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5 Things You Should Never Say or Do with an Insurance Adjuster Car accidents and any resulting injuries are challenging to cope with and the barrage of questions you are likely to receive from the defendant’s insurer makes it even more difficult. While there is nothing anyone can do to avoid such probing, there are several things you should never say or do when dealing with an insurance adjuster. 1. Never Admit Fault Never admit fault for an accident, especially if you were not at fault. Many people can feel empathy for the at-fault party, which can lead to them wanting to sympathize or minimize that person’s guilt. However, keep in mind that any admissions can affect the size of your settlement offer. Also depending on your state, any admission may negate the claim you currently have. Therefore, do not admit to being distracted, listening to music, talking, or anything of the like. An adjuster is looking for any excuse to reduce the insurer’s exposure and liability. 2. Never Make a Recorded Statement Depending on the extent of your injuries, an insurance adjuster may make a home or even a hospital visit. While the initial chatting might seem pleasant, it will likely all lead to the adjuster asking if they can record your conversation. Do not allow this. They do not need a recorded statement. 3. Never Provide Medical Information While it might seem routine for an insurance adjuster to ask about the extent of your injuries and any treatment plans, you do not have to answer any of these questions. In fact, it is best to avoid these questions altogether by stating that you will disclose such information in a demand letter to the insurance company. 4. Never Speculate About the Accident Speculation is never a good idea, especially when dealing with insurance representatives. Stick to the facts and keep your responses to questions short. Do not feel the need to explain any hunches or feelings involving or surrounding the cause or event. 5. Never Say “Yes” to the First Offer Insurance adjusters are often good at their job, which means they are good at making you feel comfortable and like they are on your side, even though they are not. They are employees of the insurance company. Therefore, the first offer they make, while it might seem generous, is likely less than they expect to pay if things go to the negotiation table or trial. So never say, “yes,” to their first offer. Insurance adjusters are intelligent people who have a job to do. Your best defense against their tactics is to hire an experienced car accident lawyer, like a car accident lawyer in Green Bay, WI, who can argue on your behalf. Contact a local attorney to discuss the specifics of your claim. Thanks to Hickey & Turim Attorneys at Law for their insight into the things you should never say to an insurance adjuster after an accident.

https://asbestosinjurylawyers.com/5-things-you-should-never-say-or-do-with-an-insurance-adjuster/

Aunt Sues Young Nephew Over Broken Wrist! Aunt Sues Nephew Who Accidentally Broke Her Wrist When Giving Her A Hug! Recently, the news reports of the aunt who filed a personal injury lawsuit against her nephew caused an enormous national backlash against the aunt—and her personal injury attorneys. She was pilloried across social media, and in nightly news programs across the country. Bit by bit, however, the “rest of the story” has trickled out, and we learned what the Tallahassee personal injury lawyers at Fasig & Brooks already knew: The insurance company made her do it. Here’s the rest of the story: When the injured party (the aunt) sought to have her medical bills paid by the homeowner’s insurance policy, she was offered $1. In Connecticut, where the injury occurred, state laws require that people who file injury claims must take the responsible party to court, not the insurance company. Because of this, she was required to name a minor child in her lawsuit to recover damages. Not only was this stressful to their family, it made her look like a terrible person. After all, who sues their own nephew? The jury was not allowed to know that she was actually seeking to hold the insurance company liable for her medical bills; they were instead told they had to consider if a minor child acted in a negligent manner for his age. She lost the lawsuit, and the insurance company got away with not having to pay a claim for actual injuries. Not quite the same story as what the salacious headlines would lead you to believe, is it? If you are thinking that it seems like the deck is stacked in favor of the insurance company, you are right. Insurance companies are for-profit businesses, and their goal is to make money. They do this by trying to minimize risk—and minimize, or deny, payouts for legitimate claims. Insurance companies have lobbied hard for laws like the one in Connecticut- Florida has the same law- because they know that jurors have a harder time finding an individual responsible for financial damages, not knowing that an insurance company is actually responsible for paying the claim. Personal injury lawyers have long battled insurance companies, seeking to hold them responsible for paying the benefits for which they are contractually bound. At Fasig & Brooks, we have seen how insurance companies use every tactic imaginable to try to avoid paying a fair amount on a legitimate claim. Recently, a Michigan Law Firmuncovered documentation that insurance companies have had, and continue to have, a detailed plan of action to delay and deny claims. If you have been injured, the odds of settling your claim fairly without legal representation are not in your favor. Insurance companies have a detailed plan of action, with the resources of an entire company, to fight your claim. They have attorneys on their side, and if you have been injured, you need a personal injury attorney who will fight for your rights. At Fasig & Brooks, our personal injury attorneys have experience in pursuing injury claims. When you call, an attorney will speak to you about your case free of charge. And, if we can’t take your case, we have a carefully vetted network of attorneys we can refer you to if appropriate. Don’t let the insurance companies beat you down. We will stand for you, and seek the justice you deserve.

https://fasigbrooks.com/blog/aunt-sues-nephew-the-rest-of-the-story/

As a homeowner, you face a host of responsibilities. One of them is to ensure the security and upkeep of your home, which includes parts of your property such as the garage door. Perhaps you’ve recently been faced with a faulty or damaged garage door and are wondering if your homeowner’s insurance will cover the necessary repairs or replacement. Well, we’re here to clarify the subject for you. Understanding Homeowners Insurance Before we delve into the specifics of garage doors and homeowners insurance, it’s crucial to understand what homeowners insurance is and what it typically covers. Homeowners insurance is a form of property insurance that covers losses and damages to an individual’s house and assets in the home. The policy usually covers interior damage, exterior damage, loss or damage of personal assets, and injury that arises while on the property. Standard homeowners policies generally cover damage caused by specific perils — these are events like fire, windstorms, hail, lightning, theft, or vandalism. However, coverage varies depending on the specifics of your policy and the insurer providing coverage. It’s always a good idea to thoroughly review your policy to understand what’s covered and what isn’t. General Coverage for Garage Doors In most cases, homeowners insurance does provide coverage for garage doors. This applies only when the damage is caused by an event or peril listed in your policy — for instance, if your garage door is damaged in a fire or by strong winds. In such scenarios, your insurance company should provide compensation for repairs or replacement. However, each claim is unique, and how much you’ll be paid depends on factors such as your policy limit and deductible. Limits and Exclusions While homeowners insurance usually covers garage doors, there are limits and exclusions to bear in mind. For example, if your garage door malfunctions due to wear and tear or lack of maintenance, your insurance will likely not cover the costs of repair or replacement. Similarly, damage resulting from floods or earthquakes is typically not covered unless you have specific coverage for these perils. Moreover, if your garage is detached from your home, it might not have as much coverage as the main dwelling. Some policies only cover outbuildings (like a detached garage) up to 10% of the home’s insured value. Insuring for Replacement Cost vs. Actual Cash Value When it comes to replacing a damaged garage door, insurance policies can either provide for Replacement Cost Value (RCV) or Actual Cash Value (ACV). An RCV policy covers the cost to replace your damaged property with new property of similar kind and quality. Meanwhile, an ACV policy provides reimbursement for your property’s value at the time of the damage, accounting for depreciation. This means that if you have an older garage door, an ACV policy will likely pay out less than an RCV policy. Filing a Claim If your garage door is damaged and you believe it should be covered by your homeowners insurance, the first step would be to contact your insurance provider. Be prepared to provide necessary information regarding the incident — things like when and how it happened, any estimates for repair or replacement costs, and any other relevant details. It’s also beneficial to take photos or videos of the damage as proof. Remember, it’s crucial to report any damage promptly — delays could potentially result in a rejected claim. The best way to avoid having to make a claim on your homeowners insurance is to mitigate risks where possible. Regular maintenance checks and immediate repairs of minor issues can help prevent more significant damages. Also, investing in a robust and sturdy garage door can reduce the likelihood of damage from perils such as storms or attempted break-ins. While it’s reassuring to know that homeowners insurance might cover your garage door, it’s essential to understand the specifics of your policy. Make sure to check with your insurance provider about what is and isn’t covered. Understanding Your Policy’s Deductible The deductible is the amount you’re required to pay out-of-pocket before your insurance coverage kicks in. It’s one of the pivotal factors that influence the total payout you could receive from your insurance company if your garage door is damaged. For example, if your garage door repair costs $1,000 and your policy has a $500 deductible, your insurer would cover $500 of the repair costs. Keep in mind that choosing a higher deductible can lower your insurance premium. However, it also means you’re taking on more financial risk if a covered loss occurs. Therefore, it’s essential to choose a deductible amount that fits into your financial comfort zone. The Claims Process Once you’ve filed a claim with your insurance provider and provided necessary details about the damage to your garage door, an adjuster will be assigned to review the claim. They’ll evaluate the cause and extent of the damage and confirm whether it’s covered under your policy. During this process, ensure to cooperate fully with the adjuster. They may need access to inspect the damage or require additional documentation. It’s in your best interest to provide all necessary information as accurately and promptly as possible. Disputing a Claim What happens if you disagree with the insurer’s decision regarding your claim? Perhaps they’ve denied the claim outright, or maybe you feel the payout offered is inadequate. In such cases, you have the right to dispute their decision. Firstly, re-examine your insurance policy to verify whether the damage should indeed be covered and if so, how much compensation you’re entitled to receive. If after reviewing this information you still believe the insurer has made an error, contact them directly and explain why you think their decision is incorrect. In some cases, this might lead to a resolution. While you can’t prevent all damages to your garage door, you can certainly take steps to reduce the likelihood of certain risks. For instance, you might install reinforced hinges or upgrade to a wind-resistant garage door to protect against wind-related damage. Further, performing regular maintenance checks can help identify potential issues before they become more significant problems. For example, you may notice that the garage door isn’t closing properly due to a worn-out spring. By replacing this spring promptly, you could potentially prevent more extensive damage to the door in the future. Increasing Your Coverage If after reviewing your homeowner’s insurance policy you find that your coverage limits are inadequate or that certain perils aren’t covered, you might consider increasing your coverage or adding additional riders. For instance, if you live in an area prone to floods but your standard policy doesn’t cover flood-related damage, you might consider purchasing flood insurance as an add-on to your homeowner’s policy. Similarly, if your garage is used for business purposes (for example, if you run a home-based business and store inventory in your garage), you might need additional coverage to ensure these assets are properly insured. Garage doors aren’t merely a matter of convenience – they’re also a crucial component in maintaining the security and integrity of your home. Understanding how your homeowner’s insurance policy covers your garage door is key to ensuring you’re adequately protected in the event of damage. Remember: always read and comprehend your insurance policy thoroughly, maintain open communication with your insurance provider, and don’t hesitate to ask questions if anything is unclear. An informed homeowner is a protected homeowner. Frequently Asked Questions 1. Will home insurance cover a garage door? Yes, home insurance typically covers a garage door if it is damaged due to a covered peril, like fire or vandalism. However, the specifics of what’s covered will depend on your individual policy. 2. Does insurance cover garage door wear and tear? No, insurance usually does not cover wear and tear or maintenance-related issues with your garage door. It’s important to upkeep your garage door regularly to prevent such issues. 3. What if my detached garage is damaged? Detached garages are generally covered under most home insurance policies. However, coverage limits might be lower than for the main dwelling, often around 10% of the home’s insured value. 4. What is Replacement Cost Value (RCV)? Replacement Cost Value is a type of coverage that pays the cost to replace your damaged property with new property of similar kind and quality, without accounting for depreciation. 5. What is Actual Cash Value (ACV)? Actual Cash Value is a type of coverage that reimburses you for the value of your property at the time of damage, accounting for depreciation. 6. What is a deductible? A deductible is the amount you’re required to pay out-of-pocket before your insurance coverage kicks in. 7. How do I file an insurance claim for my damaged garage door? Contact your insurance provider with information about the incident and any necessary documentation like repair estimates or photos of the damage. 8. Can I dispute an insurance claim? Yes, if you disagree with your insurer’s decision on your claim, you can dispute it. First review your policy to ensure the claim should be covered, then contact your insurer with your dispute. 9. How can I prevent garage door damage? Regular maintenance checks, immediate repairs for minor issues, and upgrades like reinforced hinges or wind-resistant doors can help prevent garage door damage. 10. Can I increase my insurance coverage? Yes, you can increase your coverage limits or add additional riders to your policy. Speak with your insurance provider about your options. 11. Will my insurance cover a garage door opener? This depends on your specific policy. Some insurers might cover the cost of replacing a garage door opener if it is damaged due to a covered peril. 12. Does home insurance cover a garage door damaged by a vehicle? Typically, if a vehicle damages your garage door, it would be covered under the vehicle owner’s auto insurance rather than your home insurance. 13. What if my garage is used for business purposes? If you use your garage for business purposes, you may need additional coverage to ensure any business-related assets stored in your garage are insured. 14. How can I reduce my home insurance premium? Raising your deductible or making improvements that reduce the risk of damage (like installing a security system) could lower your premium. 15. What should I do if my garage door is broken? If your garage door is broken due to a covered peril, contact your insurance provider as soon as possible to report the damage and start the claims process. An Informed Policyholder Is A Secure Policyholder Preparing for the possibility of garage door damage begins with understanding your homeowner’s insurance policy. By knowing what your policy covers, you can plan your home’s security accordingly and avoid any unexpected financial burdens. Keep an open dialogue with your insurer and don’t hesitate to ask questions, review your policy periodically, and consider additional coverage or riders if needed. Always remember, knowledge is power when it comes to protecting your home.

https://justrealestate.org/does-homeowners-insurance-cover-garage-doors/

What Types of Auto Insurance are Aavailable in Hidalgo Texas? Explore various auto insurance coverage options in Hidalgo, including liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and more. Each type offers distinct levels of protection. How Can I Find Affordable Auto Insurance in Hidalgo Texas? Discovering affordable auto insurance involves comparing quotes from different providers in Hidalgo. Consider factors like coverage limits, deductibles, and available discounts to tailor a policy that aligns with your budget. What Factors Impact Auto Insurance Rates in Hidalgo Texas? Several factors influence auto insurance rates, such as your driving history, age, type of vehicle, coverage choices, and even your credit score. Understanding these factors helps you make informed decisions to manage your insurance costs effectively. Can I Bundle Auto Insurance with Other Policies in Hidalgo Texas? Yes, many insurance providers in Hidalgo offer bundling options, allowing you to combine auto insurance with other policies like home or renters insurance. This often leads to cost savings and added convenience. Are there Specific Coverage Requirements for Drivers in Hidalgo Texas? While Texas has minimum coverage requirements, it’s advisable to consider additional coverage options in Hidalgo for comprehensive protection. Consult with your insurance agent to determine the optimal coverage for your specific needs. How Does the Claims Process Work for Auto Insurance in Hidalgo Texas? In the event of an accident or damage, promptly contact your insurance provider in Hidalgo. They will guide you through the claims process, involving the submission of information, documentation, and coordinating repairs. Can I Get Auto Insurance Coverage with a Less-than-Perfect Driving Record in Hidalgo Texas? Absolutely. There are insurance options available for individuals with less-than-ideal driving records in Hidalgo. While rates may be higher, shopping around and exploring discounts can still help you find suitable coverage. What Steps Should I Take to Switch Auto Insurance Providers in Hidalgo Texas? Why Choose Ontiveros Insurance for Your Auto Insurance in Hidalgo Texas? With over 20 years of experience in the market, we have been a reliable support for our clients in the field of auto insurance in Hidalgo Texas. We stand out for our specialization in more than 34 insurance services, providing a personalized approach backed by committed agents at every stage of the process. At Ontiveros Insurance, our track record speaks for itself, and we are here to ensure that your auto insurance in Hidalgo Texas needs are addressed with professionalism and dedication.

https://ontiverosins.com/vehicle/auto-insurance/texas/hidalgo/

Investors of The Tempest Gain Tantalising Depreciation Tax Benefits While not everyone will consider depreciation tax benefits as a major reason for choosing one investment property over another, savvy investors will look at the big picture and find the tax benefits very tantalising. Did you know, you can offset rental income, manage cash flow, and save thousands of dollars in tax through depreciation allowances? The long-term benefits for investors are substantial, especially for newly constructed properties like the Tempest Apartments. Located in Miranda, in New South Wales, the Tempest Apartments are one of the Sutherland Shire’s premier luxury built residential complexes, and an excellent example of the value of depreciation allowances for investors. Working on behalf of our property clients, our highly experienced and qualified team of Property Tax Analysts and Quantity Surveyors calculated over $21,000 in depreciation deductions for the first full financial year. Over the next 40 years, our clients could claim depreciation deductions totaling up to $375,000 for both the building and the assets (Division 43 and Division 40). The apartments feature modern design elements with quality finishes and high-end appliances, delivering substantial tax depreciation benefits. Our comprehensive and accurate depreciation report lists depreciation value for the building, plus plant and equipment assets including: - Stainless-steel Miele appliances, (dishwasher, rangehood, oven and stove) - Internal laundry facilities with dryer - Ducted air conditioning - Floating timber floor coverings - Hot water system Further depreciation deductions resulting from the shared amenities are available including a resort style rooftop area with BBQ, dining facilities with designer furniture. Investors can claim a share of additional assets to increase their tax benefits such as: - Single auto garage - Fire control and alarms system - Solar powered generating systems assets - Ventilation fans - CCTV cameras and monitors We highly recommend property investors factor in how much they can gain in tax savings through depreciation allowances when they consider purchasing an investment property. Check out our online depreciation calculator for a general assessment of typical deductions.

https://www.nbtax.com.au/property-tax-bites/investors-of-the-tempest-gain-tantalising-depreciation-tax-benefits

Renters Insurance in and around Norwich Protecting What You Own In Your Rental Home There are plenty of choices for renters insurance in Norwich. Sorting through deductibles and savings options to pick the right one is a lot to deal with. But if you want budget-friendly renters insurance, choose State Farm for covering all of your belongings and personal items. Your friends and neighbors enjoy impressive value and straightforward service by working with State Farm Agent Wayne Emmons. That’s because Wayne Emmons can walk you through the whole insurance process, step by step, to help ensure you have coverage for everything you own inside your rental, including furnishings, jewelry, collectibles, sound equipment, and more! Renters coverage like this is what sets State Farm apart from the rest. Agent Wayne Emmons can be there to help whenever trouble knocks on your door, to get your homelife back to normal. State Farm provides you with insurance protection and is here to help! There's No Place Like Home Renters often raise the question: Do you really need renters insurance? Imagine for a minute the cost of replacing your possessions, or even just a few high-cost things. With a State Farm renters policy in your pocket, you don't have to be afraid of fires or break-ins. Renters insurance doesn't stop there! It extends beyond your rental space, covering personal items you've placed in a storage closet, on your deck, or inside your car. Renters insurance can even cover your identity. As more of your life is online, it’s important to keep your personal information safe. That's where coverage from State Farm makes a difference. State Farm agent Wayne Emmons can help you add identity theft coverage with monitoring alerts and providing support. As a value-driven provider of renters insurance in Norwich, NY, State Farm helps you keep your valuables protected. Call State Farm agent Wayne Emmons today for a free quote on a renters policy. Wayne EmmonsState Farm® Insurance Agent Norwich, NY 13815-2503

https://www.wayneemmons.com/insurance/renters

Insurer Not Liable for Excess Default Judgment Where Claimants and Insureds Colluded by Falsely Declaring the Insureds Had No Prior Knowledge of the Claim Applying California law, the United States District Court for the Northern District of California has held that an insurer that breaches its duty to defend is not bound by an excess default judgment where the undisputed facts show that the underlying claimants and the insureds colluded by agreeing to a judgment amount that was vastly inflated from the original demand and by falsely declaring that the insureds had no knowledge of the claim prior to the inception date of their errors and omissions insurance policy. Carlson v. Century Surety Co., 2012 WL 601707) (N.D. Cal. Feb. 23, 2012). The underlying claimants listed their home for sale with the insured real estate firm. After a potential sale fell through, the purchaser and the homeowners signed a document pursuant to which the purchaser agreed to release a $1,000 deposit. The next day, the homeowners returned to the firm’s offices and stated that they had signed the deposit papers in error, and that they actually wanted $5,000. After it became clear that the $1,000 had never been deposited into escrow, the homeowners filed suit against the insured, demanding over $65,000 in damages. The firm’s professional liability insurer denied defense and indemnity coverage for the underlying lawsuit based on the prior knowledge condition in the policy. The insurer based its denial on the contents of the firm’s file, and specifically on a pre-inception-date letter from the homeowners to the firm indicating that the homeowners might file a $65,000 claim against the firm. The letter was attached to a certificate of service stating the document was sent by mail prior to the policy’s inception, but that (i) did not confirm that postage was affixed to the letter and (ii) incorrectly stated the name of the firm. The firm’s principal responded to the denial of coverage by claiming that she did not recall receiving the letter prior to the policy’s inception and requesting reconsideration. The carrier denied coverage again without further investigation. The homeowners and the firm ultimately entered into a settlement agreement pursuant to which the insureds agreed to allow a default judgment to be taken against them in exchange for a promise by claimants not to file a writ of execution on the judgment. The firm also assigned all of their claims against the carrier to the homeowners. The trial court then entered a default judgment in favor of the homeowners in the amount of $3.33 million dollars. In the coverage litigation that followed, the court first held that the carrier had breached its duty to defend because, by virtue of the firm’s denial of having received the homeowner’s letter prior to the policy’s inception, the insureds had satisfied their burden to show the potential for liability. The court further held, however, that it was not unreasonable for the insurer to have relied on the “mail presumption” and the certificate of service to conclude that the insured had, in fact, received the pre-inception-date letter. Thus, although its denial was incorrect, the insurer had not violated the implied covenant of good faith and fair dealing. Turning to the issue of damages, the court held that even though the carrier had no bad faith tort liability, the carrier’s contractual liability was not necessarily limited to the policy’s $500,000 limits. Rather, the court held that a carrier can be liable for all detriment proximately caused by a breach of the contractual duty to defend, including excess settlements or judgments—except where such judgments or settlements are the product of fraud or collusion. Based on the evidence offered by the insurer (and the homeowners’ ineffective attempts to rebut such evidence), the court concluded that the insurer met its burden to prove, by a preponderance of the evidence, that the settlement agreement was collusive and thus non-binding. Among other things, the court found collusion based on: (i) the deposition testimony by the firm’s principals and other documentary evidence indicating that the insureds knew that the homeowners might file a lawsuit against the firm prior to the policy’s inception; (ii) the evidence showing that although both the firm and the homeowners recognized that the prior knowledge condition in the policy had not been satisfied, they nonetheless conditioned the settlement agreement on the firm’s principals providing “satisfactory” sworn declarations stating that they were unaware of the homeowners’ claim prior to the policy’s inception; and (iii) the “skyrocket[ing]” of the homeowners’ claimed damages from approximately $70,000 to a $3.3 million default judgment. The court ordered additional briefing by the parties on whether the homeowners are entitled to any damages as a result of the carrier’s breach of the duty to defend.

https://www.wiley.law/article-2250

Simply stated, COBRA is temporary health insurance that is available to help continue the coverage offered by your employer’s group policy in the event you lose your job or are terminated. The term is an acronym standing for Consolidated Omnibus Reconciliation Act. A government employee or an employee of a company that has at least 20 full-time employees can opt to accept COBRA health insurance when employment ends, whether voluntarily or involuntarily. COBRA coverage is also available to family members who were receiving health insurance coverage under the employer’s plan. Spouses, former spouses, and dependent children can all qualify to receive COBRA health insurance. The cost of COBRA can be quite high. When receiving COBRA insurance, you may be expected to pay both your own portion of the premium (which you were paying as an employee, spouse, or dependent) and also the company’s portion (if the company paid part of your premium on your behalf). In addition to bearing 100% of the burden of the premium, you may also be required to pay up to an additional 2% for administrative costs. Also, COBRA health insurance is generally only available for 18 months. An Affordable Alternative to COBRA Health Insurance: Since a move to COBRA often means more money out of your pocket, signing up for coverage through the federal marketplace (with advanced premium tax credits available for those who qualify) will be a much more affordable option for many. Blue Cross and Blue Shield of North Carolina® offer excellent insurance plans through the marketplace which often make available better coverage at a lower cost than COBRA coverage. If you or a family member recently lost your job and are considering COBRA insurance, or if your current COBRA coverage eligibility is coming to an end, then you may qualify for a special enrollment period and will not need to wait for an annual open enrollment period in order to begin coverage. A few moments with a qualified agent at WNC Health Insurance / The Asheville Blue Cross and Blue Shield of North Carolina® Store to discuss your options will be time well invested! Learn more about the specifics of COBRA at The Department of Labor’s website.

https://www.wnchealthinsurance.com/what-is-cobra-insurance/

Saving money can be a real drag if all you are doing is cutting out the fun stuff. There are plenty of ways to spend less if you know where to look – like car insurance. You likely already signed up for a higher deductible to cut costs, but have you ever taken the time to compare rates? It could save you money every single month. With all the discounts companies offer, you would be a fool not to spend an hour looking around online. Here’s a list of 20 discounts most insurance companies offer – but only if you ask: 1. Drive Safe Insurance companies used to drop rates only after you could prove years of good driving records. Now, several companies offer discounts when you let them record your moves behind the wheel. Progressive’s Snapshot uses a plug-in device on your car’s computer system to determine if you slam on the brakes, speed or take other risky actions that could lead to accidents. 2. Safety Features Newer cars offer safety features that can get you up to 10% off collision premiums. Look for things like anti-lock brakes, daytime running lights, rearview cameras and tire-pressure monitoring systems. Allstate, for example, offers drivers up to 30% discounts for cars with factory installed airbags and motorized seat belts. 3. Prevent Theft Another big risk factor that determines rates is how likely it is your car will get stolen. Alarm systems, ignition cutoff switches, LoJack tracking systems, and VIN etchings on your windshield can earn you another 10% in savings. The Hartford insurance group gives unspecified discounts on comprehensive coverage when you install passive or active anti-theft devices. 4. Choice of Vehicle A screaming sports car or a 4×4 SUV usually comes with higher premiums because insurance companies think the drivers will be reckless. Minivans and sedans are cheaper, and even hybrids are getting a lot of attention. The Travelers Hybrid Auto Discount can save you 10% because the insurance company believes hybrid owners go out of their way to buy them, so they are more likely to take care good of the car. 5. Driving Habits Insurance companies believe that where you live, where you park and how far you travel to work each day factor into your risk of getting into an accident. Many provide discounts if you travel less than 15 miles to get to the office and park in a secured lot. State Farm’s Drive Safe and Save program combines your commute information with your skills behind the wheel to offer discounts up to 50% when monitored by a plug-in device. 6. Low Mileage The less you drive, the less likely you are to get into an accident. Most insurance companies offer discounts for driving less than 12,000 miles a year. A few have now started charging drivers based on monthly mileage. For instance, Auto Insurance America offers discounts to drivers with less than 833 miles a month with an odometer verification, but they are only in select states. 7. Good Students If you have good grades it can get you a discount up to 20% off your premiums. Insurance companies believe students who do well in school are less likely to have an accident. Most require you to have a 3.0 GPA, be in the top 20% of your class, or get placed on the honor roll. Nationwide’s Good Student Discount is up to 15% when student maintains a B average. 8. College Students College students living more than 100 miles from home can often get discounts if they leave the car at Mom and Dad’s place. Insurance companies know they will be home less and driving less, which makes them less of a risk for an accident. 21st Century’s Away at School Credit offers an unspecified discount for students who are away at school most of the time, but still need coverage for occasional visits and school breaks. Your occupation can help you get discounts, depending on what field you joined. Engineers apparently get the biggest discount because as a group, they cause the fewest accidents. Many companies will also give savings to educators, accountants and scientists; perhaps because they are believed to be more conservative. Farmers Insurance Group takes it a step further, giving discounts to doctors, nurses, police officers and firefighters. 10. Military / Government Workers Several companies offer savings to members and retirees of the Armed Forces, and the National Guard, as well as commissioning programs like ROTC. USAA bases its premiums on a member’s rank in the service and provides a 15% discount on the comprehensive coverage if the car is kept in a base garage. Some insurers will also provide savings to civilians who work for the federal government. 11. Who You Know Are you part of an association? Not just AAA, but industry groups, unions, fraternities and associations make deals with insurance companies to get its members discounts. Employers also set up sponsorship relations to provide workers savings. Liberty Mutual’s Affinity Program is so large, it offers discounts to members of 11,000 organizations including colleges, employers and associations. 12. Who You Know Well Once you get married, insurers assume you are less likely to take risks and reward you with lower premiums. Recently, several companies agreed to provide the same discounts to same-sex couples living in states with legally recognized civil unions. Esurance takes it one step further, offering insurance savings for domestic partners who are living together in nearly all the states where it does business. 13. Multiple Cars If you are an unmarried couple living together in the same home, you can still get discounted rates from most insurance companies using the multi-car discount. If you are living with a parent or sibling, look into Amica, which offers discounts for two or more cars in the same house which are insured by related individuals. 14. Multiple Policies Larger companies that offer auto, home and life insurance usually offer discounts for bundling your policies. It makes it easier for set up and billing if they already have your background information. American Family’s Auto & Home Discount will save up between 15-20%. 15. Credit History In many states, insurance companies can use the policy holder’s credit history to determine their base rate. High debt, court judgements and bankruptcy can ruin your credit score and cause you to pay more for insurance. Insurers won’t reveal where they draw the line, but scores 700 and above would be considered a better risk than someone with a 500. One consideration when buying a car, GMAC Insurance offers unique discounts for customers who get financing through them or Nuvell Auto Financing. 16. Defensive Driver Defensive driving courses teach students how to lower their risk of being in an accident by avoiding dangerous situations. Taking a defensive driver course, no matter how old you are, can save you 10%. Safeco drivers over the age of 55, who take an accident prevention course, may also qualify for a discount that lasts three years. 17. Long Term Customer Most insurance companies will provide discounts for sticking with them for several years, but you have to ask for it and terms vary. For example, some companies won’t give you a discount until you have been a member for 5 years, but Nationwide will provide a 5% discount when members reach their 3 year anniversary. Farm Bureau Member’s Choice plan rewards repeat customers with loyalty credits every time they renew their policy. 18. Pay in Full You can usually save money by paying 6 months at a time, instead of each month. It eliminates the monthly fees and often results in an additional discount. Even insurers that target higher risk drivers, like The General, will offer discounts to members who pay their premium in full. 19. Automatic Payment Set up your bank or credit card to automatically pay your insurance bill and it could save you money. Most companies won’t say how much, but every little bit counts! At Titan Insurance, you can even get a discount when you manually pay your monthly insurance payment, as long as you do it electronically. 20. Going Green While many people need to get the bill in the mail to serve as a reminder, signing up to get your statements online can save you money. Some companies will even give you a one time discount up to $50 just for signing up with their insurance online. The Auto-Owners Insurance Green Discount also offers savings to drivers who enroll in online paperless policy viewing, bill viewing and bill payment. The most important thing you can do to save money on your car insurance is to compare prices. About a month before your policy comes up, research offers to find the lowest rates for comparable insurance. Then ask your current insurance company if they can match it. You may be surprised what they will do to keep your business – especially if you have a good record. If you still want to switch, ask the new company if they will give you a new customer discount. Some will provide up to $100 and they will handle all the paperwork. It doesn’t get much easier than that, just make sure you review the terms of the coverage.

http://consumerfu.com/20-ways-to-save-on-car-insurance/

What are some practical things I can do to lower my automobile insurance rates? There are a number of things you can do to lower the cost of your automobile insurance. The easiest thing to do is ask us to get quotes from several companies for you. It is not uncommon to find quotes on automobile insurance that can vary by hundreds of dollars for the same coverage on the same car. When you shop, be careful to make sure each insurer is offering the same coverage. Another way to lower the cost of your automobile insurance is to look for any discounts for which you may qualify. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have had a driver education class in the last five years. Be sure to ask us about their discount plans. Another easy way to lower the cost of your automobile insurance is to increase the deductible. Simply raising your deductible from $250 to $500 can lower your premium sometimes by as much as five or ten percent. What should I consider when purchasing automobile insurance? There are a number of factors to consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing automobile insurance. - Base your decision on value. This is more than simply the lowest price. The premium you pay should be compared to the claims and policy service, protection and advice you receive. Independent agents, and the companies we represent, deliver excellent value. - Purchase the amount of liability coverage that makes sense to you. - You should decide which optional coverages you want. For example, do you want optional physical damage coverages or is the market value of your car too low to warrant purchasing them. - Once you have decided what you want in your automobile insurance policy, you can now decide from whom you would like to purchase the insurance from. What are the advantages to using an agent to purchase insurance? By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service. Suppose I lend my car to a friend, is he/she covered under my automobile insurance policy? Whenever you knowingly loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy, subject to any driver exclusions on your policy.

http://insurancebrokersinc.com/faq_auto.html

Does your home need additional protection? When disaster strikes your home, insurance is supposed to be there to help you pick the pieces. Most of the time, it does, although, every coverage has its limits. When it comes to property coverage, an endorsement is an amendment to your homeowners insurance, safeguarding your personal belongings and finances. What is an insurance endorsement? Endorsements, sometimes called riders, allow you to raise the overall limit for certain categories of items. In short, you buy additional coverage and protection, and your insurer will reimburse you up to those raised limits. Flood coverage: The most important exclusion in most homeowners insurance policies is flood coverage, as many people have learned to their great misfortune. If you live in a flood-prone area, don’t risk going without flood insurance. Earthquake insurance: Many standard policies do not cover the catastrophic damage that can be caused by an earthquake. Coverage for such events must be added on to your policy so that you have reliable coverage to protect you in case your home suffers from earthquake damage. Whether you live near a fault line or not, this is reliable, inexpensive insurance worth having. Business activities: Typically, home insurance covers only minor losses such as damage or theft of home office equipment. Purchasing separate business insurance is the best way to guarantee proper coverage. Many standard policies only offer $2,500 for business property damage in your home. With a home business endorsement, you can receive up to $70,000 worth of coverage for your business property. Additionally, there is higher liability coverage in case a client is injured in your home. Jewelry, furs, and high-valuables: Your standard homeowners insurance policy may not offer enough coverage to protect your high-valuable belongings from loss, due to loss ceilings on specific items such as Jewelry, Firearms, Furs, Artwork, Musical Instruments, and Collectables . These items require a separate rider or policy to guarantee full replacement cost. A personal articles floater extends the amount of coverage for your items, such as furs, fine art, and jewelry. It also covers loss resulting from perils not included in your homeowners policy, such as accidental loss. Does your homeowners insurance need endorsements to cover your belongings and property? Talk to the professionals to understand your policy and find out where it may be lacking. Visit Lou Aggetta Insurance Services to get started today.

https://aggettainsurance.com/endorsements-home-insurance/

Ag Economists Study How Crop Insurance May Affect Input Decisions New research by agricultural economists at the University of Nebraska–Lincoln challenges traditional thinking on federal crop insurance. Since the inception of the federal crop insurance program, researchers have questioned whether the program causes moral hazard in input usage, meaning that if producers are shielded from yield risk via crop insurance, they respond by increasing low-yield risk exposure by applying fewer inputs. Opponents of the federal crop insurance program claim moral hazard leads farmers to use crop insurance to transfer costs from themselves to taxpayers, who help fund the program. Previous research found evidence of moral hazard in input usage, suggesting crop insurance gives producers an incentive to reduce the economic-maximizing input amount, particularly nitrogen, to reduce yields and receive crop insurance payments. Unlike previous research, the new project includes Actual Production History when examining producer input use behavior related to crop insurance. The addition of APH is important as it is used to calculate liability when producers file crop insurance claims and directly influences indemnity payments. For example, when APH decreases, the size of indemnity amounts decreases as does the likelihood of a payment. When the role of APH is considered, the amount of moral hazard declines to miniscule amounts. When producers are thinking ahead to future growing seasons, their current year input use is not heavily influenced by the presence of crop insurance. “Our research is based on the assumption that farmers want to farm next year with a strong crop insurance policy,” said Cory Walters, assistant professor of agricultural economics and study co-author. “Results from the study indicate that the presence of APH in the liability calculation can do a lot in limiting the amount of moral hazard in input usage in crop insurance.” Walters is active in his family’s farming operation. His experience with production agriculture inspired the new research. “It did not make sense to me that crop insurance research would not take into account the role of APH and the fact that farmers are forward-thinking,” he said. Other study co-authors are Lilyan Fulginiti, professor of agricultural economics, and Taro Mieno, assistant professor of agricultural economics. The results were recently published in the American Journal of Agricultural Economics.

https://cropwatch.unl.edu/2018/agricultural-economists-study-how-moral-hazard-affects-crop-insurance

Travel Insurance For Seniors Think about the last time you purchased an airplane ticket. Did you click to buy the offered flight insurance policy? While this type of insurance may cover your flight, if you are over 65 and on Medicare, you might need a different kind of insurance when traveling. When planning a trip abroad, older travelers need to prioritize travel insurance coverage. Senior travelers and retirees face unique concerns and risks whenever they venture far from home. These risks amplify the necessity for travel health insurance, emergency medical coverage, and emergency evacuation. So, which travel insurance options are most suitable for seniors? There are numerous travel insurance plans designed with retirees in mind. When considering travel insurance, here are some options that you want to see included: - Trip cancellation and interruption - Emergency medical and evacuation - Emergency medical evacuation - Baggage loss and delay - Travel delay coverage (covering missed connections) - Rental car damage and theft Travel insurance policies have different coverage limits, exceptions, and qualifications. Medicare Coverage: Although Medicare rarely pays medical bills out of the country, some travel insurance policies require applicants to qualify for and be enrolled in Medicare. Pre-Existing Conditions: If you have an existing health condition, be sure the policy covers any related incidents. You don't want to be surprised by a denial of coverage when you're in an emergency situation 5,000 miles from home. Length of Travel: Most travel insurance policies cover trips of 30-45 days, even if the covered period is 365 days. Meaning you can use the policy any time within one year, but if you stay out of the country for more than a month or so, you might need long-stay coverage, which is generally for trips up to 18 months. Your Age: Age 80 is a magic number for some insurance carriers. If you are over that age, additional limitations like length of trip and coverage dollar limits may apply. High-Risk Activities: Extreme adventurists might find exclusions to insurance coverage for activities like skydiving, caving, scuba diving, race car driving, or mountain climbing. If you are a retiree who enjoys traveling, this type of insurance policy offers peace of mind during your trip and safeguards you from any unexpected circumstances. If you need help reading the fine print and evaluating insurance coverage, contact one of the advisors at Hurlow Wealth Management Group. For over two decades, our financial advisors have acted as fiduciaries, helping our clients evaluate insurance policies as part of their financial plans. Click here to schedule a call with a fiduciary today.

https://hurlowwealth.com/blog/travel-insurance-for-seniors

Are you looking to purchase a business? Then you should get the help of a business broker. A business broker, or a business brokerage firm, assists in the acquisition or sale of a business. Buying or selling a business is a complex process and requires guidance to complete the transaction faster and smoother. Business brokers have the necessary knowledge to help you make the right choice and handle critical tasks. Here are some of the biggest benefits of working with a business broker. What Does a Business Broker Do? Screening Business and Buyers Finding the right type of business to buy is a time-consuming process that requires a lot of effort. A business broker will help screen businesses for sale to weed out businesses for sale that do not match your criteria. Business brokerage firms help their clients find the most ideal investment opportunities for their specific needs. If you are selling a business, business brokers will perform a screening process to make sure all interested buyers are qualified. The buyer qualification process is an important step of the deal and involves an interview with the potential buyer and check that the buyers have the financial means to complete the transaction, including their credit score, and liquidity for working capital. Business brokers also review the professional experience of the buyer to evaluate how they will operate the business and check any other requirements. If you are the buyer and require financial assistance, a business broker can help. Buyers work with business brokers to secure financing for the business they are buying. A business brokerage firm, such as Investment Business Brokers, has a connected network of trusted banks to meet the client’s bank financing needs. Business brokers have years of training and experience and are always updating themselves on the latest laws and regulations regarding the sale or purchase of businesses. A business broker can help you with all the paperwork and make sure that you don’t forget any form, fees, and steps during the process. If you feel like you want to modify a previous deal or you believe that things could go unpleasant during the negotiation then having a business broker by your side will make things easier. A business broker can smooth any problem and handle difficult situations between the seller and potential buyer. Just like selling a residential property, in order to sell your business faster and for the most value you need to market it properly. Business brokers can help you create a strategy that will drive attention to your business and attract potential buyers. They also have access to different listing and marketing sites to make sure your business gets the most exposure. What Does a Business Broker Do? They Get Deals Done. Dallas business brokerage firm, Investment Business Brokers, has a reputation for getting deals done. Our local business brokers have the industry knowledge and experience to help you sell a business or buy a business in Texas. Call Investment Business Brokers at 972-266-4525 or fill out the contact form online to get started.

https://ibbdallas.com/what-does-a-business-broker-do/

Identify cyber security risk components that may exist within your real or fictional company. Develop and describe a cyber security risk mitigation strategy for a real or fictional company. Describe the challenges and benefits of implementing a cyber security risk mitigation strategy for a real or fictional Cyber security remains a major threat to the operations of organizations worldwide. With the increased reliance on modern technologies by business organizations, there has been a tremendous rise in cyber security risks. Today’s organizational leaders are more concerned about cyber security risks than any other period in history. The dynamic nature of cyber security risks in terms of size and complexity makes it difficult for cybersecurity experts to develop a single solution for the cyber security risks. Organizations have established different methods or mechanisms of averting cyber security risks or ensuring they do not cause major harm. The financial industry is one of the most affected by the cyber security threat. This paper examines cyber security risk issues facing PAC Inc., a fictitious multinational company that offers financial services. Cyber Security Risk Components One of the cyber security risk components facing PAC Inc. and other organizations is the reliance on legacy systems (Cuomo & Lawsky, 2014). Although PAC Inc. updates its systems regularly, it may not entirely escape the application of legacy systems that come through acquisition. Legacy systems obtained through acquisitions pose significant risks due to the security vulnerabilities that come with them. The organization may take a long time before updating the legacy systems that have higher security vulnerabilities. Another cyber security risk is susceptibility to breach through the third-party vendor ecosystems. Most financial service companies including PAC Inc. rely on third-party vendors for delivery of certain services such as email services, cloud storage services, web-hosting services, and cloud storage services (Cuomo & Lawsky, 2014). The security vulnerabilities facing the third-party vendors increase cyber security risks at PAC Inc. It is difficult for organizations to replace their third-party vendors even if it is found their network security is weak due to the complexities involved in changing users. Another cyber security risk component facing PAC Inc. is cyber threats. There are new forms of cyber-attacks that have hit the financial sector. Common cyber-attacks include Distributed Denial of Service (DDoS) attacks, ATM cash out, and Corporate Account Take Over (CATO) (“Conference of State Bank Supervisors (CSBS),” 2015). DDoS attacks are the most common. As the name suggests, these attacks involves directing excessive traffic to a company’s website in such a way that it interferes with normal service delivery. DDoS attacks may affect the reputation of the organization by denying customers access to essential services they need. CATO is a form of attack where cyber criminals impersonate the company and conduct transactions using customers’ accounts. Cyber-criminals gain access to corporate login credentials using malicious software, which they then use to transfer funds (“CSBS”, 2015). This form of crime targets online banking. ATM cash outs involve cyber criminals taking control of the web-based ATM control panels using malicious software. This may cause huge losses. Cyber Security Risk Mitigation Strategy Organizations are currently likely to experience cyber-security threats than any other period in history. A good mitigation strategy is developing an incidence response plan that outlines the critical steps that an organization can take in case of a cyberattack (Lebanidze, 2011). The incident response plan also identifies the critical steps that the organization should take in anticipation of a cyberattack. An incident response plan should include documentation of procedures, training, and rehearsal targeting the team involved in mitigating an incidence or breach of security. An incidence response plan comprises of various plans that the organization should draw. The first is the contingency plan that addresses issues concerning continuity of operations in case an unplanned outage affects the organization. An incident response plan should include a disaster recovery plan. The disaster recovery plan outlines the steps to take in case of a major disruption to business. This plan may include system backups and off-site storage. System backup is vital for ensuring that there is no loss of data in case of a hacking incident. The incident response plan should also address the following. - Ways of addressing potential losses - Criteria for engaging digital forensic experts - Budget for the plans - The effectiveness of the incident response strategy - Communication to stakeholders concerning the issue The incident response plan includes detailed plans, clearly defined roles, training of IT staff, and proper management oversight to ensure that the plans are in place. An effective incident response plan can help PAC Inc. to identify and contain attacks early before they cause significant damage. Benefits and challenges of implementing a cyber-security mitigation strategy There are various benefits in implementing a cyber-security mitigation strategy such as the response plan described above. One of the benefits of a mitigation strategy is the early identification of potential threats (Lebanidze, 2011). This means that attacks can be easily contained before they spread beyond uncontrollable levels. The cyber-security mitigation strategy can help in managing various stakeholders in the event a security lapse occurs. The incident response plan identifies plans on communication to stakeholders including customers if an incident occurs. An incident response plan can ensure the continuity of operations in case an attack occurs. On the other hand, one challenge of implementing a cyber-security mitigation strategy is the high cost. Mitigation strategies are costly and hence organizations try to weight the costs Vis a Vis the benefits. Another challenge in cyber-security mitigation lies in the dynamic nature of cyberspace. Every day, new and sophisticated attacks are emerging, which may invalidate any mitigation strategy in place. To conclude, cyber security continues to be a major challenge facing modern organizations and including PAC Inc. Cyber security leads to losses or damage to reputation of companies involved. There is no foolproof method of preventing cyber-attacks. As such, modern organizations should develop incident response plans that can help them deal with potential cyber-attacks. Conference of State Bank Supervisors (CSBS). (2015). A resource guide for bank executives. Retrieved from https://www.csbs.org/CyberSecurity/Documents/CSBS%20Cybersecurity%20101%20Re source%20Guide%20FINAL.pdf Cuomo, A. M., & Lawsky, B. M. (2014). Report on cyber security in the banking sector. New York State Department of Financial Services. Retrieved from http://www.dfs.ny.gov/reportpub/dfs_cyber_banking_report_052014.pdf Lebanidze, E. (2011). Guide to developing a cyber security and risk mitigation plan. Retrieved from https://www.smartgrid.gov/files/CyberSecurityGuideforanElectricCooperativeV11- 21.pdf

https://speedywriters.us/cyber-security/

Owning a business is a fulfilling endeavor. The greater our efforts are, the better our business becomes. The more flexible we are, the higher our chance to success is. Being an entrepreneur is not a type of job which we can just be passive with. Since the business world is dynamic, we have to keep track of all these industry changes by continuously researching and planning out strategies to adapt with them. Consequently, each entrepreneur should be mindful of the risks which might damage their business. To mitigate possible losses, we have to foresee which circumstances will possibly harm our products and services, including the distribution and operation process. Once we have already foreseen or estimated which perils our business may be exposed to, we should make sure that these will be protected by insurance policies. Among the risks which you should not ignore and must include when you get an insurance policy from Amco Insurance are the following: - Damage to Business’ Property Before a business may be allowed to operate in a certain locale, we will be required to comply with certain safety requirements by the government. Although our business establishment has complied with these requirements, we could not entirely get away from damages due to natural disasters and accidents. Accidents are unpredictable and so does the damage they bring. Some natural disasters like storms may be predicted but we will not be able to estimate accurately and entirely how much of our properties will be destroyed once it occurs. Hence, it is essential to insure our business properties from these types of perils. - Business Interruption Our business operations may be interrupted by numerous causes. For one, the government might enact statutes which will affect the manufacturing and distribution of our products or the rendering of our services. Earthquakes, fires, and floods may happen which would result in damage to an extent which would require us to stop our operations for a while. To lessen the injury that our business might experience during this interruption, we could get comprehensive business interruption insurance from our most trusted provider of Insurance Services in Miami, Florida. - Company Liability Companies do not only incur liabilities through lawsuits against them. When a product we have manufactured or distributed is substandard and it causes damage to our clients, we should pay them for the costs they might have incurred. If we make professional service mistakes while rendering services we have been hired for, we would have to pay for the reparation or reimbursements of the damages. Hence, we should also set aside a certain amount of money for insurance against risks of company liability. Through this method, we could pay for the liabilities immediately and this could even be a way to prevent lawsuits against us. Don’t wait until it’s too late. Make sure that your business is covered from all possible perils and risks. It would be better to pay for a smaller amount annually than be damaged at an even bigger price at one single instance.

https://www.amco-insurance.com/risks-every-business-owner-must-insure-against

India's traffic has seen significant changes in recent years, with new regulations and rules aimed at enhancing road safety and reducing accidents. While these changes are crucial for the well-being of road users, they also have a significant impact on car insurance in India. Let's understand the impact of new traffic rules on car insurance in India.The Role of Traffic RegulationsIn India, a comprehensive set of traffic regulations has been enacted to enhance road safety and preserve lives for drivers and pedestrians. These measures encompass stricter penalties for traffic violations, mandatory safety precautions, and heightened surveillance, forming a multifaceted approach to curbing accidents.The government has significantly increased fines for traffic violations, creating a deterrent effect to discourage reckless behavior on the road. For instance, driving without a helmet, drunk driving, and overspeeding can now result in hefty fines and even imprisonment for repeated offenses.To ensure safer journeys, stringent enforcement of seatbelt usage, helmet-wearing for two-wheeler riders, and adherence to traffic rules like not using mobile phones while driving have become obligatory. This extends to child safety seats to protect young passengers.Using better technology for monitoring, cities have deployed surveillance tools like CCTV cameras, speed cameras, and red light cameras to detect and penalize rule violators. This ensures adherence to traffic laws and acts as a preventive measure.However, they also have a direct influence on car insurance policy. Here's how:Premium calculationCar insurance premiums are calculated based on several factors, including the type of vehicle, its age, the owner's driving history and the location where it is registered. New traffic regulations can impact premium calculations in the following ways: Mandatory coverageThe Motor Vehicles (Amendment) Act, 2019, introduced various changes to Indian traffic regulations. This mandatory coverage ensures that accident victims receive compensation, which is a significant benefit of these regulations. It increased the penalties for offences like driving without insurance. Consequently, car owners are now required to have third-party liability insurance, at the very least, to comply with the law. It also means that all car owners must allocate a portion of their budget for insurance premiums.Promoting safe drivingSafer roads contribute to fewer accidents, a positive outcome for everyone. These improved road conditions lead to lower claim frequencies for car insurance policyholders. New traffic regulations are specifically designed to encourage safer driving behaviors, which, in turn, indirectly benefits those with car insurance. With fewer claims, insurance companies can maintain stable premium rates or, in some cases, even reward policyholders with discounts, especially those who maintain a clean driving record. So, not only do safer roads promote well-being, but they also bring financial advantages to responsible drivers through more affordable insurance options.Impact on claimsAdherence to traffic regulations plays a pivotal role in insurance claims in the unfortunate event of a car accident. If a policyholder is deemed at fault due to a traffic violation that contributed to the accident, it can impact their insurance claim significantly. For instance, if the driver was under alcohol or failed to wear a seatbelt, the insurance claim payout might be reduced or denied.Conversely, if the policyholder can demonstrate that they were not at fault and were diligently following all traffic rules, their insurance claim is more likely to be smoothly approved.This highlights the importance of responsible driving and abiding by traffic laws to safeguard your safety and your insurance coverage's integrity. So, it's not just about avoiding penalties but also ensuring that you have a strong foundation for your insurance claim to be processed without complications in the event of an accident. Safe driving is a matter of personal safety and a financial safeguard.ConclusionAs traffic regulations continue to evolve in India, kotak general insurance will help you to adapt its policies and pricing to align with these changes. Staying up-to-date with both traffic rules and insurance policies is essential for car owners to protect their interests on the road.As the regulatory framework evolves, the insurance provider works diligently to align its offerings, providing peace of mind to policyholders. Keeping a watchful eye on the road ahead, both in terms of traffic rules and insurance updates, is a prudent step for car owners. It's a commitment to safety, compliance, and the assurance that you're well-prepared for whatever the road may bring.

https://www.arkvalwebworks.com/finance/understanding-the-impact-of-new-traffic-regulations-on-car-insurance-in-india.html

Chapter 4. Insurance defense practice - Consideration of insured's personal or business interests An often-overlooked area of conflict of interest involves the personal or business interests of the insured defendant that transcend the facts of the case. Once example is whether the insurance defense lawyer has a duty to inform the insured client of an insurer’s potential insolvency, so that the client might take measures to protect his assets. Perhaps more common is the situation that arises where there is a long-standing business relationship between a physician and hospital, trucking company and broker, or large retail chain and a manufacturer that sells products primarily through that retail chain. There may be an agreement by one entity indemnifies another, which in turn tenders it to the manufacturer's insurer. The insurer, having no concern whatsoever for the insured's business relationship with the retailer, might direct the insurance defense counsel it retains to raise all manner of technical defenses in an effort to avoid taking over the defense, thereby placing the insured's primary business relationship at risk. In such a situation the defense counsel hired by the manufacturer's insurer may advise the insured to have separate counsel address the issue with the insurer and consider the provisions of Rule of Professional Conduct 2.2, Lawyer as Intermediary. Douglas R. Richmond, Emerging Conflicts Of Interest In Insurance Defense Practice, 32 Tort & Ins. L.J. 69 (Fall, 1996). On May 22, 2018, former State Bar of Georgia president Ken Shigley will be a candidate for election to the Georgia Court of Appeals. The only other candidate is Ken Hodges, a former Dougherty County District Attorney. Ken Hodges was the Democratic Party nominee for Attorney General in 2010.

https://www.atlantainjurylawyer.com/chapter-4-insurance-defense-practice-consideration-of-insured-s.html

FIRE Door ASSESSMENTS Under The Regulatory Reform (Fire & Safety) Order 2005 [RFO], it is a legal obligation for employers and commercial property owners to ensure that their fire doors are routinely assessed and maintained. FIRE Door ASSESSMENTS Navigating the complexities of fire safety may seem daunting, but with Atlas Safety Management, it becomes a simple and seamless process. Our Fire Door Assessments offer a meticulous, yet straightforward, review of your fire doors in accordance with the requirements of The RFO. What is a Fire Door Assessment? Fire doors play a crucial role in the compartmentalisation of a building and slowing the spread of fire and ingress of smoke. In effect, they offer the last line of defence in the event of a fire. Regular assessments ensure that the compliance status of each door is accurately established e.g. integrity, installation, and suitability. At Atlas Safety Management, our expert assessors provide: - A comprehensive inspection of all fire doors. - A detailed but user-friendly report providing you with compliance status, and if applicable, highlighting areas of concern and/or noncompliance. - If applicable, an actionable plan, suggesting necessary repairs or replacements to attain legal compliance. - Ongoing support and advice regarding your fire safety obligations. Why choose Atlas Safety Management? Atlas Safety Management is not ‘just another service provider’ we are your partners in safety. Our team of experienced assessors, accredited by The Institute of Fire Safety Managers, are dedicated to providing you with everything you need to ensure you remain safe and compliant. With Atlas Safety Management, you can be confident that your fire doors are in safe hands. Contact us today to book your Fire Door Assessment. Our Safety Services We can help with Fire Risk Assessments, Health and Safety Audits, and anything else you may need – from CDM and Construction Site Safety Files, to SSIP Accreditation and Workplace Inspections. We get to We have a face to face approach from first contact to establish a close working relationship so we can be sure to cover all your needs. We get to know We spend time looking at your business needs and getting to know how you work so we can tailor our services so that they are best suited for you. We ensure a top-quality service 24 hours a day, 7 days a week, with ongoing sound safety advice whenever your business needs it. Would you like a free consultation? We’ll even call you… Arrange a call back for a free, no obligation consultation with one of our health and safety experts at a time and day to suit you. FIRE RISK ASSESSMENTS SAVE LIVES Take the guess work out of protecting your employees and your business. Talk to Atlas Safety Management about fire risk assessments today. Arrange a call back for a Free consultation with one of our Fire Safety experts at a time and day to suit you.

https://www.atlas-sm.co.uk/fire-safety/fire-door-assessments/

The release of new maps often results in many questions. Here are some potential resources for more information:How Do I Find My Property on the Existing or New Preliminary Flood Maps? – Current and preliminary flood maps can be found using the El Paso Map Change Viewer. Easy-to-follow instructions for using the viewer can be found here, and detailed instructions can be found in the El Paso Map Change Viewer Fact Sheet. How Do the Preliminary Flood Maps Affect New Construction? – For unincorporated El Paso County, contact the Planning and Development Department at (915) 546-2015. For the City of El Paso, contact the Building and Development Permitting Division at (915) 212-1598. [feel free to put specific contact info here in place of the above] How Do the Preliminary Flood Maps Affect My Flood Insurance Requirement and Cost? – Contact your insurance agent and visit www.Floodsmart.gov/Flood-Map-Zone/Map-Changes. You can also review these fact sheets: - Map Changes and Flood Insurance: What Property Owners Need to Know - A Lower-Cost Flood Insurance Option for El Paso Property Owners Whose Buildings are Newly Identified to be in a High-Risk Area English / Spanish How Do I Find Out More about Flood Insurance? – Contact your insurance agent and visit www.FloodSmart.gov. You can review the information in the following fact sheets: - Why Do I Need Flood Insurance? - Your Homeowners Insurance Does Not Cover Flooding - Lower-Cost Flood Insurance: The Preferred Risk Policy - NFIP Summary of Coverage Another resource to answer questions about flood mapping and flood insurance requirements is the FEMA Map Information eXchange (FMIX) Customer Care Center. They can be reached at (877) FEMA MAP (1-877-336-2627) from 6:00 a.m. to 5:00 p.m. Mountain Time.

https://www.epcountyplanning.com/2020/12/

Head of Cyber Resilience – Director. Harrington Starr are proud to have partnered with a global banking organisation as they seek a new Head of Cyber Resilience to join their senior leadership team. This role reports directly into the EMEA CISO and provides the interface between the Cyber Security team and Operational Resilience function, in addition to managing the security operation center. - Completely define and coordinate delivery of the banks Cyber Resilience strategy to help ensure the EMEA region can fully withstand cyber-attacks. - Direct the cyber element of the Bank’s Respond and Recovery program within the Operation Resilience framework. - Ensure delivery of security services though liaising and managing third parties, group companies and commercial suppliers. - Daily interaction with senior stakeholders globally while leading a team of 3-4 direct reports. - Extensive experience of delivering Cyber Resilience and managing an Insider Risk program at a senior level in a regulated corporate environment (preferable Financial Services). - Knowledge of risk management frameworks such as NIST and ISO 27001, BoE Operational Resilience and EU DORA regulations. - Excellent stakeholder management experience, communication (written and verbal) and a meticulous eye for detail. This is an excellent opportunity to take responsibility for developing and ensuring delivery of the Cyber Resilience strategy for a well-established Bank. If this sounds like it could be a good fit, apply today or get in contact with Andrew.email@example.com

https://www.harringtonstarr.com/job/head-of-cyber-resilience/

Earn Your Online Loss Prevention Degree Professionals seeking additional advancement in their loss prevention career can now earn a Bachelor’s degree in Administration of Justice with an emphasis in Loss Prevention from Mississippi College. In addition to a comprehensive basis in administration of justice, this program includes courses vital to the success of a loss prevention manager. Employment opportunities exist in a variety of industries, including corporate loss prevention, risk management and insurance. Coursework for the Bachelor’s degree includes: Required: AJU Loss Prevention/Security Management Concentration (12 hours) AJU 5405 Introduction to Loss Prevention AJU 5406 Executive Management in Loss Prevention AJU 5407 Security Law AJU 5443 Introduction to Physical Security Six Hours from AJU Electives: AJU 5400 Police Rights and Responsibilities AJU 5425 Human Relations and Police Work AJU 5334 Deviant Behavior AJU 5432 SI: Kinesic Interview and Interrogation Tech AJU 5432 SI: Criminal Profiling AJU 5432 SI: Organized Crime AJU 5432 SI: White Collar Crime AJU 6642 SI: Intelligence Analysis The MC Experience As a Christian university, we incorporate fundamental faith into all of our programs. If you are a working adult with family and work responsibilities, our online degree program in loss prevention management is designed to accommodate busy schedules. If you are interested in earning your online loss prevention degree, contact Mississippi College today.

https://www.mc.edu/academics/majors/undergraduate/loss-prevention

The Role of Expert Opinion in a Claim for Catastrophic Brain Injury After sustaining a traumatic brain injury (TBI) as the result of a motor vehicle accident, the road to recovery can be fraught with difficulties and challenges. Injured accident survivors can experience a range of symptoms that impact various physical, cognitive, and behavioural functions. Depending on the severity of the TBI, accident survivors might recover from their injuries in a matter of weeks or months. Unfortunately, though, people who have sustained catastrophic brain injuries may experience the effects of their injuries for the rest of their lives. In Ontario, people who have been injured in motor vehicle collisions are entitled to no-fault accident benefits. Regardless of who was at-fault for the accident, insurance coverage should be available to help the people injured as a result of the collision. The amount of accident benefits available to each individual survivor of the collision is dependent on the severity of the injuries they have sustained. Survivors of motor vehicle collisions whose injuries meet the threshold of “catastrophic impairment” as defined by Ontario’s Statutory Accident Benefits Schedules (SABS) are entitled to higher amounts of insurance coverage than people whose injuries are less severe in nature. The mandatory coverage in all of the province’s basic auto insurance plans includes: - $3,500 in medical and rehabilitation benefits for accident victims who sustained minor injuries - $65,000 over 5 years for the combined total costs of medical, rehabilitation, and attendant care benefits for accident victims who sustained non-minor, non-catastrophic injuries - $1 million for life in combined medical, rehabilitation, and attendant care benefits for accident victims who sustained catastrophic injuries In order to qualify for the highest amount of available accident benefits, motor vehicle collision survivors must provide evidence proving that their injuries fit the legal definition of “catastrophic impairment.” People applying for a catastrophic impairment designation must undergo assessments from medical experts whose opinions can be used by insurance companies to determine the amount of benefits to which they should be entitled. Assessing the Extent of Injuries Medical experts play a crucial role in the assessment of injuries sustained as the result of motor vehicle accidents. If treating a catastrophically impaired patient, these experts will complete an OCF-19 form stating their findings and opinions. Insurance providers use these findings to determine whether or not an injured accident survivor should receive a catastrophic impairment designation. People applying for accident benefits to offset the costs resulting from their catastrophic TBI must include other forms of supplementary evidence along with their claim. They are required to show positive findings of a TBI on a medically accepted brain imaging scan (CT scan, MRI, etc) in order to be considered catastrophically impaired. Additionally, motor vehicle accident survivors who have sustained catastrophic TBIs must be assessed by a medical expert using the Glasgow Outcome Scale Extended (GOS-E). The GOS-E is a tool used to determine 8 possible outcomes for adults over the age of 18 who have sustained a TBI. These outcomes are as follows: - Vegetative state - Lower severe disability - Upper severe disability - Lower moderate disability - Upper moderate disability - Lower good recovery - Upper good recovery A medical expert can use the GOS-E metric to assess an injured accident survivor’s condition once they have reached a stable point in their recovery. Depending on the severity of the TBI and the impacts it has on a person’s overall life, these assessments can take place after 1 month, between 6-12 months, or over a year after the injury was sustained. If, after the appropriate amount of time, the medical expert assesses that their patient has one of the following outcomes, they might qualify for a “catastrophic impairment” designation: - Vegetative state (assessed at least 1 month following the date of injury) - Upper or lower severe disability (assessed between 6-12 months following the date of injury) - Lower moderate disability (assessed 12+ months following the date of injury) Without a supporting diagnosis from attending physicians, neurologists, neuropsychologists, occupational therapists, or other medical experts, motor vehicle accident survivors who have sustained catastrophic TBIs will be unable to apply for the insurance coverage to which they should be entitled. Supporting the Dispute Resolution Process Even if a medical expert shares their diagnosis in an OCF-19 form and the patient shows medical imaging proof of their TBI, there is no guarantee that the person seeking a catastrophic impairment designation will automatically get one. All too often, insurance providers disagree with determinations made by medical experts in an attempt to provide claimants with lower amounts of accident benefits than those to which they should be entitled. In these situations, insurance companies may demand that the claimant undergo an independent medical examination (IME) carried out by a different healthcare professional. If the dispute cannot be resolved through an IME, the insurer and the claimant are usually required to begin the dispute resolution process through the License and Appeal Tribunal. During the dispute resolution process, the findings of medical experts can help support an accident victim’s claim. These experts might be called upon to provide evidence and/or testimony before an arbitrator. This arbitrator will take the opinions of these experts into consideration when making their determination about the claimant’s condition. The opinions and findings of medical experts can play a crucial role in this process. While insurance providers might employ unfair tactics to try convincing the arbitrator that the claimant’s TBI does not meet the threshold of catastrophic impairment, an unbiased medical expert can provide important insights about how they reached their initial diagnosis, and elaborate on why the claimant should be entitled to higher amounts of accident benefits. That being said, the opinions of medical experts may not be enough to help catastrophically injured survivors of motor vehicle collisions get the insurance coverage they deserve. That is why it is so important to work with an Ontario accident benefits lawyer when fighting for fair treatment from insurance providers. To learn more about how our accident benefits lawyers may be able to help you fight for the insurance coverage you are rightfully owed after sustaining a catastrophic brain injury as the result of a motor vehicle collision, contact us today.

https://www.preszlerlaw.com/blog/the-role-of-expert-opinion-in-a-claim-for-catastrophic-brain-injury/

Liability in car insurance pays for the medical bills of other people who are injured in an accident. This type of coverage is required by law. Collision and comprehensive coverage pays for damage caused to a third party’s property, and liability covers any injuries that occur during an accident. In addition to this type of coverage, you will also need to consider the Requirement to carry liability coverage. Hopefully, this article has answered many of your questions. Limits of liability coverage What is the difference between bodily injury and property damage limits? Both limits apply to accidents where the at-fault driver is at fault. Bodily injury coverage pays for medical bills up to a certain amount. Property damage liability covers damages incurred by the other party. In the event of an accident, property damage liability pays for up to $15,000 per accident. Beyond that amount, the at-fault driver is responsible for the rest. Property damage liability coverage pays for damages to another driver’s car and property. If you’re at fault in an accident, this coverage will cover the cost of repairing or replacing the property. Bodily injury liability coverage, on the other hand, covers the costs of medical bills and car repairs. Regardless of who is at fault, liability coverage pays up to the limits set by the policyholder. However, in some cases, it may be worth getting a higher limit. When choosing a liability coverage limit for your car insurance, you should consider your financial stability. In addition to your coverage options, you will have to pay higher premiums. A high limit, like one hundred thousand dollars, will require higher premiums, so make sure you’re willing to pay the higher insurance premiums. While there’s nothing wrong with carrying a low amount of liability coverage, make sure you’re comfortable with the total value of your assets. Limits of liability coverage in car insurance vary by state. Some states only require that you carry a certain minimum amount of coverage, while others require up to five hundred thousand dollars in bodily injury and $30,000 per accident. If you’re a high-value driver, you should consider raising your liability coverage to at least $1 million. It’s worth the extra cost. If you have significant assets, you may also want to consider purchasing an umbrella policy. Coverage for injuries caused by accident Bodily injury coverage on your car insurance policy will pay for the medical bills of people who are injured in an accident. The policy will typically state the limits per person or accident, as well as property damage. Whether you’re covered for a single person or for the whole accident is determined by the limits of your insurance policy. Many states have minimum limits for bodily injury coverage. You should check the limits and make sure you’re getting enough. Medical expenses are a vital part of any accident claim. Liability insurance will not cover all medical bills, but it can help if the other driver has health insurance and their insurer accepts liability insurance payments. Getting medical attention immediately after a car accident can be essential, as a hospital has the right equipment to detect even hidden injuries. If you’re in pain, seek medical attention. Injuries sustained during a car accident can be painful and incapacitating. In New York, no fault insurance means you’ll only be covered for the medical expenses of another driver if they’re the one to blame. This coverage provides a minimum of $25,000 per person and $50,000 total coverage. It also pays for out-of-pocket medical expenses incurred by the other driver if you’re at fault in an accident. If you’re at fault, however, you’ll need to buy bodily injury liability insurance. You’ll also need to purchase a separate policy to cover a hit-and-run driver. While hit-and-run drivers aren’t likely to be covered by uninsured motorist insurance, your car insurance policy must cover their costs. Even if you’re at fault, personal injury protection is a great way to protect yourself. Most states require this coverage, and some companies offer it as a standalone benefit. Coverage for damages to third parties’ property A policy with third-party property damage liability coverage will pay for the expenses of others who are injured in an accident. These expenses can range from medical bills to legal fees to lost wages. In some cases, third-party property damage liability coverage may also extend to living quarters for cast and crew. However, this type of coverage does not apply to damage to personal property. Here is more information on this type of coverage. Third-party property damage insurance will cover any damage to a third-party’s property caused by an accident. This could be anything from a mailbox to a garage. While this coverage is required by law, many experts recommend carrying a minimum of $50,000 for the most protection. This type of coverage is a separate option from the third-party property damage policy, which is primarily for the benefit of the other party. The third-party property damage policy is a statutory requirement for all vehicle owners. It offers protection against damages and injuries to another person or vehicle. A policyholder must notify the insurance company of an accident if he or she is at fault. The other driver can then file a claim against the insured, and the insurance company is required to pay the damages. In order to make a third-party property damage claim, the insured person must provide a detailed account of the accident and the injuries that were sustained by the other driver. Requirement to carry liability coverage In New York, drivers are required to have liability coverage in their car insurance. Liability coverage pays for bodily injury and property damage if you or your vehicle causes an accident that is the fault of another party. It also pays for medical expenses and auto repair bills. Unfortunately, liability insurance does not cover personal injuries. Therefore, it is critical to have other coverage options when determining your car insurance needs. In New York, liability insurance is required for drivers, even those who don’t drive. Washington drivers are required to carry property damage liability coverage of at least $10,000. This coverage pays for the damage you cause to another vehicle or property during an accident, but it does not cover your own car. That’s why some drivers choose to purchase collision coverage. To keep costs down, auto insurance agents must offer both types of coverage to drivers. If you decline one of them, you must do so in writing. In each state, there are different requirements for car insurance. Some states require car insurance to be compulsory for drivers; others require a deposit or bond as proof of self-insurance. In New Hampshire, you do not need to carry car insurance but can be required to do so if you have a certain conviction. You should also carry bodily injury liability coverage, which pays for the medical costs of the other driver in the event of an accident. Liability coverage also covers your legal expenses if the other driver makes a lawsuit against you. Cost of liability coverage When it comes to car insurance, liability coverage is a necessary but expensive part of the policy. It helps to cover the cost of damages caused by other people’s negligence. Most insurance providers will increase the premium for at-fault accidents, if you’re at fault in an accident. Minor violations, such as speeding tickets, can dramatically increase your premium. A violation will increase your rate by approximately $300 a six-month policy, or about $670 a year. In most cases, providers will continue to raise rates for three to five years after you’ve received a ticket or violation. While you may be tempted to go with the minimum amount of coverage, you will find that this is not sufficient to cover the costs of damages caused to other people or property. In order to avoid the risk of being found at fault in an accident, you should increase your coverage to include bodily injury and property damage liability. The latter two types of insurance can cover the costs associated with damage to another person’s car or medical bills. The amount of liability coverage you buy is dependent on your state’s requirements. In general, the state requires a minimum amount of liability car insurance coverage. In some states, you may need more or less. While these minimums are a good starting point, they may not be sufficient for your specific situation. In Texas, for example, the state’s minimum liability coverage is thirty/60/25. Those minimums do not cover your assets and will increase your premium. It’s not uncommon for individuals to have multiple policies. You may find it difficult to make the necessary comparisons. Bankrate uses the results of their analysis to rank insurers. Bankrate considers factors like their mobile app, online presence, and customer service history. A bankrate score of 80 means a company is financially sound and has an excellent track record. There is nothing worse than finding a policy with no insurance coverage.

https://automotiveearth.com/2022/05/16/what-is-liability-in-car-insurance/

Did you know that fallen trees and branches are the natural shelter many of our native animals rely on for survival? For this reason it’s prohibited to collect firewood from our National Parks, roadsides and bushland reserves. So where can you find fuel for your fire sustainably? Wingecarribee Shire Council’s Environment and Sustainability Manager, Barry Arthur, says there are plenty of reputable local suppliers, so you can stock up for the winter without compromising the natural environment we all love. Visit the Firewood Association of Australia’s website firewood.asn.au to find a trustworthy supplier near you. “Always ask if their wood is sourced legally and sustainably, according to the Firewood Association of Australia’s Code of Practice,” Barry says. Recent damage to property and vegetation in bushland reserves has prompted Council to remind community members that we all need to do our part to care for our local landscape, environment and wildlife. “Gathering logs for your fire may seem harmless, but it has a lasting impact on the wildlife,” he said. “These creatures rely on the hollows and foraging areas provided by fallen timber to thrive.” You can seek a permit through Service NSW to collect firewood from some State forests. If you’d like to apply for one, please visit the Service NSW website service.nsw.gov.au/transaction/apply-firewood-permit. Don’t take the risk this winter. Collection of firewood in bushland reserves is illegal and fines apply. If you see someone collecting firewood in Council bushland reserves, please let our Customer Service Team know by phoning 02 4868 0888. Together we can protect and preserve our beautiful bushland for everyone to enjoy, now and into the future. For weekly updates on all that’s happening across our Shire, join Council’s Your Shire e-news wsc.nsw.gov.au/Council/Newsletters and follow us on socials.

https://media.wsc.nsw.gov.au/before-you-reach-for-that-firewood/

Workers compensation rates change from year to year. Knowing you to figure your workers compensation insurance cost is important. You might see a lower rate over time because of the improved workplace safety and fewer claims. In most states, the type of work you do tells how much your workers compensation insurance will cost. For example, jobs that have a lot of physical labor usually have higher rates. So do jobs where people often get injured at work. The state where your employees live can also affect the workers’ compensation premium that you pay. Workers Compensation Insurance Premiums Your annual total payroll The type of work done by your employees Your claims history Doing physical work usually means you will have to pay a higher premium. If your employees have been in accidents at their jobs, they might need to pay a higher premium too. The state where people live and work might also affect how much it costs for workers’ compensation premiums. For example if the person lives in Alaska, then it will cost more than someone who does not live there. Employers with safety-conscious management practices that reduce injuries and worker incidents will typically get lower premiums. Workers Comp Insurance Price The cost of workers’ compensation insurance is different for every employer. The insurance company pays money if a person gets hurt or sick at work. You can save money on the insurance premiums by paying the worker less and making sure they are safe. If your workers are doing hard work, then you will have to pay more for their insurance. Workers who have had injuries on the job, or who live in a state with lots of accidents, will cost more to insure. If you can do things that reduce injuries and incidents at work, then it might cost less to insure your workers. Why is Workers Comp so Expensive? If you can, avoid unsafe practices or hazards at work. This will help you save on your premiums. For example, employees should use protective gear if it is necessary and follow procedures to stay safe. The cost of workers’ comp rates depends on the size of the company and if they have a good safety program. When you save money on wages, you can also save money on workers’ comp insurance premiums. Worker’s compensation is important. It offers employees protection against job-related accidents or illnesses. Worker’s compensation will make people feel secure about their jobs, and in turn they will be more productive because of it. If you have a good workers compensation experience, your insurance premiums will be less. You need to tell your employees about the type of work they do and their medical history. You must also list who is eligible for workers compensation coverage. Workers compensation covers four main things: medical treatments, income replacement (or disability), death benefits and survivor benefits. Many businesses offer benefits to attract the best employees. As an employer, you can provide things like insurance for your employees in case they get sick or injure themselves. This might come out of payroll contributions or from the company’s profits. Here are some common things that companies provide their employees with: -Long term disability Workers compensation insurance for small business is important. It provides protection against injury or illness when they are on the job. There are two reasons for this. Firstly, providing a safety net for employees who are in danger at work will result in higher productivity. Employees feel secure when they know that they won’t be fired if they have an accident at work. Secondly, it has been proven that good workers’ comp claims experience results in lower insurance rates. Choosing workers’ comp coverage for your business is important. You will need to make sure you have enough coverage. This means what you want and how much money you will pay for it. Make sure before paying the premiums that you know what type of coverage your company needs. Check out some of our other insurance:

https://proinsgroup.com/workers-compensation-insurance-cost/

When you file your first declaration, we will need a replica of your pet’s full medical historical past. $9.95 to $21.95 per thirty days depending on whether or not you could have cats or canines and what number. You have a co-pay of 10%, 20%, or, 30% after your deductible, relying on your chosen plan. Let's compare veterinary insurance prices for cats online right now! The most in-style annual deductible for Whole Pet with Wellness is $250. Monthly rates begin at $10 for Accident solely and $16 for Accident & Illness coverage. Those rates range based mostly on species, age, breed in addition to your location. Her work has been published by Experian, Credit Karma, Student Loan Hero, and extra. Long live love, Because pets are household and The Pet Gala are service marks of Fetch, Inc. The Dodo is the #1 animal model globally on social media according to Tubular as of January 2021. compare online veterinary insurance PRICES for a cat. Riding enthusiasts can even insure their horses, however solely in certain states. Some pet owners choose to put aside cash in financial savings account for a pet’s medical needs. But when you can’t afford a surprise vet invoice that could presumably be 10thousan dollars, pet insurance is an approach to guard against racking up a credit card bill or finding one other method to pay. Pet insurance with limitless annual protection prices a mean of $53 per thirty days for a dog and $39 per month for a cat. When you purchase a pet insurance coverage policy, you’ll usually choose an annual most, a deductible, and a reimbursement level. MetLife Pet Insurance Solutions LLC is the policy administrator licensed by IAIC and MetGen to offer and administer pet insurance coverage policies. MetLife Pet Insurance Solutions LLC was previously generally recognized as PetFirst Healthcare, LLC and in some states continues to function beneath that name pending approval of its utility for a reputation change. Insurance insurance policies don’t typically cowl routine well-being care, however quite offer protection for greater bills if they happen, together with trauma, diseases, or treatment. Some plans even cowl prescription diets if your pet is on a nutritional plan recommended by a physician. Cost Per 30 Days If your veterinarian uses Trupanion’s direct free software, you don’t have to file a declaration. Trupanion pays the vet instantly. Policyholders, then, needn't fear about making pricey upfront payments or submitting reimbursement claims. What are normal for many of the pet insurance business. That mentioned, choosing one or each of a low co-payment. A low deductible will result in greater premiums for the coverage.

https://thepetagrees.org/compare-veterinary-insurance-prices-for-cats/

What is Form 1095-A: Health Insurance Marketplace Statement If you bought health insurance through one of the Health Care Exchanges, also known as Marketplaces, you should receive a Form 1095-A that provides information about your insurance policy, your premiums (the cost you pay for insurance), any advance payment of premium tax credit and the people in your household covered by the policy. - If you bought health insurance through a Health Care Exchange or Marketplace, you should get Form 1095-A, the Health Insurance Marketplace Statement. - Form 1095-A reports your amount of coverage, any advance payment of tax credits you used to pay for health insurance, and the names of people covered by the policy. - You can use the information on Form 1095-A to complete Form 8962, which you can file with your tax return to claim the premium tax credit. - You can use the information on Form 1095-A to adjust any tax credit payments and calculate any of the tax credit that you are required to pay back if you received too much of the advance premium tax credit during the year. Premium Tax Credit The Affordable Care Act, also known as Obamacare, requires most U.S. residents to have health insurance, but it also offers a tax break, the premium tax credit, to help offset the costs of health coverage for those who qualify. If you bought coverage through one of the health insurance marketplaces, you should receive Form 1095-A, that provides information needed to claim the tax credit. The role of the Marketplace The "Marketplace" is the government's term for the online insurance markets or "exchanges" set up under the law commonly known as Obamacare. Only people who buy coverage through the Marketplace are eligible for the premium tax credit. If you bought your plan there, you should get a Form 1095-A, also called the "Health Insurance Marketplace Statement." The IRS also gets a copy of the form. The form provides information about your insurance policy, your premiums (the cost you pay for insurance), any advance payment of premium tax credit and the people in your household covered by the policy. Insurance companies in health care exchanges provide you with the 1095-A form. This form includes: - Your name - Amount of coverage you have - Any advance payment of tax credits you used to pay for your health insurance You use this information to complete your income tax filing, adjust any tax credit payments, claim any premium tax credits that may be due and calculate any of the tax credit that you are required to pay back if you received too much advance premium tax credit during the year. Who qualifies for the premium tax credit Your income has to be within a certain range to qualify for the premium tax credit. That income range is between 100% - 400% of the federal poverty level. As of 2022, the federal poverty level for most of the United States was $13,590 for a single person. The 2022 amounts are the latest available during open enrollment for 2023 and are therefore used with your 2023 tax return. Multiply the total by 4 to get 400% of the level. Therefore, the eligible ranges for use with your 2023 taxes are: - For one person: $13,590 - $54,360 - For a family of two: $18,310 - $73,240 - For a family of three: $23,030 - $92,120 - For a family of four: $27,750 - $111,000 - For a family of five: $32,470 - $129,880 - For a family of six: $37,190 - $148,760 - For a family of seven: $41,910 - $167,640 - For a family of eight: $46,630 - $186,520 For households with more than 8 people, add $4,720 for each additional person per year. Poverty levels are higher in Alaska and Hawaii, where the cost of living is higher. If you have any of the premium tax credit left over, you could use it to reduce your taxes or receive a refund. Two ways to take the tax credit Taxpayers who are eligible for the premium tax credit have a choice in how they receive it. You generally make the choice at the time you buy coverage in the Marketplace. The options are: - Use the credit to reduce your taxes when you file your return at tax time. - Use the credit to reduce your insurance premiums in advance when you pay the insurance premiums. The first option is pretty straightforward: At tax-filing time, you figure the amount of your credit and then subtract that amount from your tax liability. The second option is more complicated, because the government gives you the credit in advance—by sending money to your insurer to reduce your premiums. In this case, you figure the amount of your credit and compare it to the amount paid to your insurer to reduce your premiums. Using the information on the form Whichever option you choose for taking the premium tax credit, you claim it by filing Form 8962 with your tax return. You'll need your Form 1095-A to fill out this form. - If you used your credit to reduce your premiums, Form 8962 will tell you if you have any of the credit left over, in which case you could use it to reduce your taxes or receive a refund. - On the other hand, if the amount paid to your insurer actually exceeded the credit amount that you are eligible for, you would have to pay back the excess amount with your tax return (The American Rescue Plan Act of 2021 suspended this requirement for tax year 2020). This can happen if your income increases during the year and you didn't update your information with the Marketplace. If you use TurboTax to prepare your tax return, the software will ask you the questions necessary to complete Form 8962 and attach it to your tax return for you. With TurboTax Live Full Service, a local expert matched to your unique situation will do your taxes for you start to finish. Or, get unlimited help and advice from tax experts while you do your taxes with TurboTax Live Assisted. And if you want to file your own taxes, you can still feel confident you'll do them right with TurboTax as we guide you step by step. No matter which way you file, we guarantee 100% accuracy and your maximum refund.

https://turbotax.intuit.com/tax-tips/health-care/what-is-form-1095-a-health-insurance-marketplace-statement/L07e7EhY2

The Availity® Essentials Claim Status Tool offers enhanced, real-time claim status functionality to help you manage and resolve claims processed by Blue Cross and Blue Shield of Montana (BCBSMT) for all our members. This includes government programs (Medicare Advantage), commercial, Individual and Family Markets, and Federal Employee Program® (FEP®) members. The Claim Status tool is found in the Claims & Payment menu via the Availity Essentials portal. It allows you to search for claims by a Member ID or specific Claim Number. Claim status results provide more detailed information than the HIPAA-standard claim status 276/277 transaction, including the following details: - Patient and provider data submitted on claims - In-network and out-of-network patient liability breakdown - Billing and rendering provider name and National Provider Identifier (NPI) - Check number, check date and payee name - Other carrier payment amount - Ineligible reason codes and associated descriptions - Transaction ID reference numbers - Save and View Saved Searches For more details, refer to the Claim Status Tool User Guide Availity is a trademark of Availity, LLC, a separate company that operates a health information network to provide electronic information exchange services to medical professionals. Availity provides administrative services to BCBSMT. BCBSMT makes no endorsement, representations or warranties regarding third party vendors and the products and services they offer.

https://www.bcbsmt.com/provider/education-and-reference/education/tools/claim-status-tool

Firefighters from Burnham-On-Sea and across the region battled a big blaze at a property in East Brent on Monday (March 13th). Crews from Crediton, Taunton, Bridgwater, Burnham-On-Sea, Nether Stowey, Street, Wellington, Yeovil and Cheddar were called to East Brent shortly before 1.20pm. It comes after flames and thick smoke were spotted by a local resident emerging from the derelict building, as pictured here. A fire service spokesman confirmed: “The fire service received calls to a derelict building on fire. On arrival, crews confirmed smoke issuing and got to work with one main jet.” “Crews then requested assistance from a further three fire appliances and two water carriers. Firefighting increased to three main jets to tackle the blaze.” “At 2.05pm crews reported fire breaking through the roof of the building and increased the main jets to four with one breathing apparatus wearer.” “And at 2.23pm crews reported the majority of the fire extinguished and dampening down hot spots.” Police were also called to the scene to divert traffic around the area while emergency services dealt with the blaze. A fire spokesman added that the building had been left gutted and the cause of the fire was not immediately clear and an investigation is underway. Drone photos of the blaze underway in East Brent (photos courtesy of Taunton Fire Station & Kayden Wright)

https://www.burnham-on-sea.com/news/firefighters-from-burnham-on-sea-and-across-the-region-battle-big-property-blaze/

Rental properties have become incredibly popular in Northern Michigan and here in Traverse City, there are hundreds of units being built each year for both long and short term rental income opportunities. It’s important to know that insurance to protect a rental property is not the same as homeowners insurance. In fact, homeowners insurance will not cover any rental property for liability or physical damage to the structure unless that policy is endorsed properly. Neither short term nor long term rentals can be insured on a standard home insurance policy. Homeowners policies were written and designed for ‘owner-occupied’ properties. Landlords need specific insurance to protect their rental property from damage and themselves from liability of a tenant or visitor. Landlord insurance typically includes coverage for the building, contents, loss of income, and liability. 1) Building Coverage – Protects the physical structure of your rental property from fire, storms, vandalism, and other covered perils. 2) Contents Coverage – This protects your personal belongings in the rental property from fire, theft, and water damage. 3) Loss of Income Coverage – This protects you from loss of rental income if your property becomes uninhabitable due to a covered event. 4) Liability – Liability protects you when someone is claiming injury while on your property. Whether you are liable or not is for the courts, judge etc to decide, but the insurance also pays for your defense while determining fault. The most important thing to know regarding protecting rental properties is that you need to have a discussion with your insurance agent to make sure you have the proper coverage.

https://www.cardinalinsurancegroup.com/michigan-landlord-insurance-for-rental-properties/

A sick cat is a pet owner’s worst nightmare. Treatment options are often exorbitant in price, and many people have been forced to choose between the health of their beloved cat and making ends meet in their budget. Owners on a strict budget have had to make the heartbreaking decision to opt for economic euthanasia, choosing to euthanize their pets primarily because of the high cost of veterinary medical care.1 Pet health insurance can be the saving grace in situations like this. The point of insurance is to help lower the costs of your vet bills to make caring for your pets easier on your budget. Is it worth it to invest in pet insurance for your cat? We say yes simply for the peace of mind it provides. Keep reading to learn the ins and outs of pet health insurance policies to help you decide if it’s right for you. How Much Is Pet Insurance for a Cat? The cost of pet insurance will depend entirely on what plan policy you’re opting for. Individual costs may also vary based on your cat’s breed, age, and health status. According to the North American Pet Health Insurance Association, you can expect to pay around $29 per month for accident and illness pet insurance for cats in America. The same NAPHIA study shows pet parents paying for accident-only coverage pay much less at around $11 per month. These numbers are only averages. The policy you choose, breed, age, and location of your pet will determine your specific monthly premium. Many plans have a deductible. A deductible is a certain amount that you’ll have to pay out of pocket before your insurance coverage will kick in. Again, the deductible amount will vary from plan to plan. You could be looking at anywhere between $0 to $2,500 a year. In most situations, plans with higher deductibles will have lower monthly premiums. How Does Pet Insurance Work? Pet health insurance works very similarly to human health insurance. Each provider offers different levels of coverage, with each plan costing a monthly premium. The premium will depend on how much coverage you opt for. Every insurance company operates a little differently. Some will pay your vet directly whenever possible, so you don’t need to worry about sending in receipts and waiting for your reimbursement. Some have restrictions on their claim payouts depending on their predetermined rates and not on what the actual cost of your veterinary care was. Some companies will drop your coverage if you file too many claims. After the deductible is met, you will be reimbursed a portion of your pet’s healthcare bills. Some top insurance companies offer reimbursements of up to 100%; however, those plans will come with a much higher monthly premium. Let’s crunch some numbers to provide an example. Let’s say your plan has a $500 deductible with an 80% reimbursement rate. Your cat has a sudden need for a dental extraction that totals $1,500. Your insurance will cover $800 of the $1,500 fee, and you’ll be on the hook for just $200. $1,500 – $500 = $1,000. 80% of $1,000 = $800. What Does Cat Insurance Cover? Coverage levels will vary from plan to plan. Accident-only coverage will be the most budget-friendly option. Plans that cover accidents and illnesses will be a step higher. The priciest plans will cover the aforementioned situations as well as wellness care. Some of the higher-end plans also cover death-related expenses. Most plans will cover things like unexpected accidents such as broken bones, unexpected illnesses, surgeries, prescription medications, diagnostics, and emergency examination fees. Some plans may even cover alternative therapies such as acupuncture and hydrotherapy. Things that most plans will not cover include pre-existing conditions, preventative care, vaccinations, spaying/neutering, and routine care. What Should I Look at When Comparing Insurance Plans? There are four main factors to consider as you start to compare insurance plans for your cat. The annual deductible refers to how much you’ll have to pay out of pocket every year before your cat’s insurance will kick in. The reimbursement rate is the percentage of the medical costs your policy provider will reimburse you for after you’ve met your deductible. The annual limit refers to the maximum amount your policy provider will reimburse you for every year. The monthly premium is how much money you’ll need to pay every month to keep your account active. It’s essential to gather as much information from any potential insurers before making your final decision. Two plans might look close to the same on paper until you read the fine print. One might have a six-month waiting period for knee injuries, while others only wait 30 days. Do I Need Pet Insurance Worth It for an Indoor Cat? Health risks can occur to any cat regardless of where they spend most of their time. Indoor cats are just as much at risk of certain conditions as outdoor cats. In fact, some conditions are more likely to occur, specifically in indoor cats. Cats that spend a lot of time outdoors tend to be more active. If yours is kept primarily indoors, they’re more at risk for obesity, which makes them four times more likely to develop diabetes than cats at an ideal weight. If your cat were to need medical treatment for obesity or diabetes, your insurance can help reimburse some of the costs, provided these conditions were not pre-existing. Indoor cats may be more likely to experience anxiety and stress as they aren’t able to participate in some behaviors that are natural to them (like hunting and seeking). Feline anxiety can manifest in many ways, including inappropriate urination, decreased appetite, and excessive grooming, all of which can cause further health problems. Some insurance policies will cover medical treatment for behavioral issues. Can I Get Pet Insurance if My Cat Is Already Sick? Most standard pet insurance issuers will not cover cats with pre-existing medical conditions. That said, it is not impossible to find a carrier that will hear your case, but you will need to seek out specialist insurers. Just as with human insurance issuers, covering a pet with a pre-existing condition is considered to be high-risk. These can be very difficult to find and often have a lot of restrictions as most insurers don’t want to deal with health conditions that will create a lot of claims. Some insurers may cover certain pre-existing conditions provided that they’re considered curable. These conditions include urinary tract infections, upper respiratory infections, gastrointestinal issues, and ear infections. If you can’t find pet insurance that will cover your cat’s condition and you have mounting veterinary bills, you do have other options. Fundraising, temporary credit cards, and veterinary charities can help you pay the bills. Some vets even offer a payment plan option to help make your bills more manageable. You can still get insurance from a standard issuer even if your pet’s pre-existing condition is not covered. The only thing to consider is that any expense related to that condition will not be covered. For example, if your cat has arthritis, your insurance will not cover any medical care relating to that diagnosis. When Should I Get Pet Insurance for My Cat? The best time to get pet insurance for your cat is when they are young and healthy. The longer you wait to find coverage for them, the higher the chance that a pre-existing condition will be discovered. Can I Get Pet Insurance for an Older Cat? As with humans, when cats reach their senior years, their risk of certain health conditions rises. If you didn’t get insurance for your cat when they were young, finding an insurer can be a bit more difficult in their golden years. Some companies may be wary about insuring an older cat due to the expensive health conditions they’re more prone to. Some companies have age limits, so they won’t even consider covering older pets. That said, some insurers will happily provide coverage for older kitties, but you may be looking at a higher monthly premium. Do I Need Pet Insurance For My Cat? Final Thoughts Pet insurance is a helpful tool for cat owners. It provides peace of mind as you’ll know that you’ll always have a helping hand if finances get too tight or if your pet gets hurt or becomes ill. Monthly premiums can be pricey, however, so it’s worth looking over your budget to see if it’s realistic to buy pet insurance right now. Featured Photo Credit: Red-Bow-Tie-Photo, Shutterstock - How Much Is Pet Insurance for a Cat? - How Does Pet Insurance Work? - What Does Cat Insurance Cover? - What Should I Look at When Comparing Insurance Plans? - Do I Need Pet Insurance Worth It for an Indoor Cat? - Can I Get Pet Insurance if My Cat Is Already Sick? - When Should I Get Pet Insurance for My Cat? - Can I Get Pet Insurance for an Older Cat? - Do I Need Pet Insurance For My Cat? Final Thoughts

https://www.catster.com/guides/is-pet-insurance-worth-it-for-cats/

Table of Contents Whether it’s a business loan broker buy Cheyenne, business loan to buy a new building, tools, or even a line of credit, we’re willing to lend you money with our open lines of credit and competitive loan terms. Our corporate loan offer contains the following: · Term company loans to purchase or refinance fixed assets or working capital · Commercial real estate depreciation up to 28 years for the acquisition or refinancing of commercial real estate · Commercial lines of praise to finance your working cycle · Mortgage loans to build your dreams · Farm loans to cover your short-term operating costs or to finance your next parcel purchase. · business loan broker buy Cheyenne credit cards to manage your cash flow and diverge your business and personal expenses What is a Business Loan Broker? A company loan broker specializes in espousing businesses with outside lenders and investors to ensure credit for your business needs. Also, saleable loan agent is a liaison between a company seeking financing and a lender. Business loan broker buy Cheyenne agents can save time by placing the most suitable loans for your business needs. They can also assist you in guiding the often complicated method of determining eligibility and involvement for financing. Because loans can be particular, additional types of loan brokers specialize in different kinds of business loans. Finding the right broker can be just as important as choosing the right loan for your business. Business Loans for Startups For example, when it’s time for your small business to grow or access capital to buy equipment, there are many ways to receive financing. However, it can be time-consuming to identify and review each lender and loan to find the proper terms and eligibility. Rather than going from one bank to another or from one lender to another, weighing the pros and cons of each loan, you can go with a loan broker. A representative can assess your business’s economic goals and simplify the loan process by combining your business with the most suitable lenders. A good business loan broker buy Cheyenne loan broker can save you time and effort by using their extensive network to source specific outcomes and partners suitable for your business. Loan Brokers Can Even: · Use their links to find inferior interest rates for you · Negotiate terms on behalf of your company · Speed up the underwriting cycle so you can access funds faster than you would on your own Business Loan Calculator If someone skips the EMI amount, it will be altered by the following amount business loan broker buy Cheyenne , and the following one will be twice the present one. In addition, late payment fees will be assessed according to the terms and requirements supplied by the financial institution. Why should you compute business loan EMI before carrying out the loan? It is valuable to calculate the EMI before carrying out the loan, as this will remove the picture, and you can then get a loan with a suitable EMI. Will EMI stay the same, or will it change in the future? The EMI usually remains the same; nevertheless, if the government determines to increase the interest rate, the quantity of EMI will increase. Reserving a company or MSME loan through an EMI calculator is relatively easy. It can be assured by making correct calculations and deciding on a proper term and business loan broker buy Cheyenne. It is always recommended to calculate your loan’s EMI before applying for a loan to have a good idea of the monthly instalments to be paid. SBAH brokers can help small or big businesses navigate this process with a third-party lender, reasoning out which SBA loan might be right for them and helping to speed up the process as much as possible. Finding Business Loan Broker Buy Cheyenne We Can easily Find Business Loan Broker Buy Cheyenne By Following: SBA Loan Broker However, brokers specializing in Big or Small Business Administration (SBA) loans can secure new and living small businesses with loans from banks, municipal lenders, and credit unions. Some characters may find it easier to secure these funds than others because the lender’s risk is underestimated since the SBA assures the business loan broker buy Cheyenne. business loan broker buy Cheyenne buying machinery to expand their business can turn to tools finance brokers. Based on your credit rating, business history, and sales prospects, brokers can secure your business with financiers who can help you finance large equipment purchases. Franchise loan brokers comprehend SBA and conventional lending practices to help a company owner acquire and buy a franchise. This type of agent can also help you get retail real estate financing and cash flow for your new business. Merchant Cash Advance Broker business loan broker buy Cheyenne can find quick and relatively easy financing through cash advances from merchants. These can come from large financial institutions such as American Express or expert merchant cash providers. Commercial loan brokers can often place quick financing and reasonable competitive rates, but they can set high fees. It’s essential to find a broker that assesses the requirements of your business rather than just the numerous lucrative options. However, agents link small businesses with third-party lenders to help choose the most suitable loan product for each business’ unique financial needs. Saleable loan brokers can save company owners time and energy by simplifying and running up a tedious process, although they charge a fee for the service. Lending developments and lenders specialize in specific financial needs, so working with a loan broker with a network is fundamental to help you execute your business loan broker buy Cheyenne Goals.

https://www.knowaboutanything.com/business-loan-broker-buy-cheyenne/

5 Questions to ask before Buying Family Health Insurance Finding a health insurance plan that meets the diverse needs of your family can be challenging. Besides the coverage, one also has to consider one’s budget for the premium. But it is vital that you do not compromise on a family health plan as it can lead to difficulties when a health emergency strikes your loved ones. To help you in the process, we share with you 5 questions that you must ask your insurer before you finalize a family health insurance plan. - Do they provide comprehensive coverage for the entire family? The biggest draw of any health insurance plan is the coverage it provides. Therefore, this question is the most significant. A good family health insurance plan should provide coverage for hospitalisation, pre and post hospitalisation, a wide variety of day-care procedures, annual health check-ups, and so on. Other coverage aspects are also to be looked for such as vaccination, AYUSH treatment, ambulance charges, diagnostic scans and X-rays, and so on. - What kind of add-ons do they provide? To get additional coverage for your family, you may have to look for add-ons or riders. By paying a slightly increased premium, you can ensure to a great extent that, if your family suffers from any health crisis, you have the finances to get the best treatment for them. If you or your loved ones are at a risk for critical illnesses, then do consider opting for the critical illness insurance add-on. Or, if there is someone in the family that is prone to staying at the hospital for a long or indefinite period of time, then you may consider the daily hospital cash rider. A good insurer should be able to provide you with these essential add-ons. - How many family members can you add under the family health insurance plan? If you are the breadwinner of a large family or live with extended family members, then wouldn’t it be great if they are all covered under one plan? Therefore, choose an insurer that allows you to add your spouse, dependent children, dependent parents, siblings, brother-in-law, sister-in-law, nephews, nieces, or any dependent relation that live with you. If you are a single parent, then you should also ask the insurer if they provide coverage for you and your child/children. Plus, also ask whether you have the flexibility to add/remove members from the health insurance plan. - What are the insurance company’s credentials? Yes, this is an important question to ask and learn the answer to. The health insurance company you choose should be reliable, trustworthy, and be well-known, having spent several years in the insurance industry. Remember to take a look at their IRDAI registration number. The claim settlement ratio, which should ideally be above 90%, is a good indicator of how dedicated the insurer is to solving the claims of the policyholders and is also to be looked for. - How easy is the claim settlement process? Raising a claim should always be easy and hassle-free as the policyholder is, more often than not, dealing with a health emergency. Ensure that the insurer provides 24/7 claim assistance. Nowadays, one can also raise claims through apps or websites, so do look out for that also. Your family’s health is important and therefore, spending a bit of time in understanding their health needs and choosing a suitable family health insurance company is important. Good luck, and do stay safe. - Sustainability Redefined: How Keter Group Brings the Blueprint For Better Living With Lakeside Collection October 30, 2023 - Tradingview: Unleashing the Revolutionary Power of Trading August 28, 2023 - 6 Features That Make Cantilever Racking a Smart Investment August 3, 2023 - Achieve Radiant Skin with French Professional Skin Care Brands July 10, 2023 - Use of technology and products for People with Kidney Stones June 19, 2023 - Uncovering New Opportunities for Your Medical Billing Business May 6, 2023 - 10 Reasons to Invest in Automated Insurance Claims Software May 6, 2023

https://inewsair.com/5-questions-to-ask-before-buying-family-health-insurance.html

As the world goes digital, with all the benefits comes various new challenges. The biggest challenge of the digital world is to fight cybercrime with hackers infringing into various systems, including government systems. All this puts a large amount of data under the threat of a possible cyber-attack. It has increased the importance of cyber security as a concept. It thus gives you a good reason to get a certificate in cybersecurity and consider a career in this growing field. First, you need to know that Spectrum cable is a brand name of Charter Communications, an American telecommunications and mass media company. Let us first understand what Cybersecurity is before we proceed any further. Cybersecurity is the technology used to protect computers, software, mobile phones, networks, and data from malicious attacks. Usually, organizations and even governments use cybersecurity to protect themselves from cyber-attacks. Table of Contents WHY SHOULD YOU LEARN CYBERSECURITY? As awareness of data privacy grows, the demand for cybersecurity experts has increased manifolds. The demand for cybersecurity experts is presently extremely high in the private and public sectors, and there is currently a massive global shortfall for cybersecurity professionals. Organizations are continuously investing a lot in cybersecurity measures to enhance and ensure the safety of their data and systems. Cybersecurity is extremely important as our devices become more interconnected than ever before. And with people having all their information from their photos to bank account passwords stored into their devices in one way or other. This is the only defense system to keep this sensitive information out of reach from prying hands and bad actors. HOW TO GET STARTED? Now, it would be best to look at courses curated and put together by industry experts to start your career in cybersecurity. And before beginning, you need to know related things like cyberattacks, General IT concepts and should be an all-around technology enthusiast. While choosing a course, you should look for an updated course that includes all the content and topics to get you started. Also, you should invest in a course that provides you with a certificate in cybersecurity on its completion. Having a proper certificate will help you get a job and add to your resume. Also Read: What Dinosaurus Has 500 Teeth? CYBERSECURITY – THE WAY AHEAD Gone are the days when cybersecurity only meant installing an anti-virus in your system. The hackers are now using phishing, SQL injection, etc., which you can only prevent by having a proper cybersecurity system. Thus, various organizations like Hospitals, Banks and Big Corporate houses are looking for cybersecurity services to protect their customers’ data. The need and demand for cybersecurity will only grow, giving you enough reasons to start your journey in the cybersecurity field. Cybersecurity expert is a high-paying profession and is in demand in all of the world’s major economies. The demand is even higher as they aren’t enough cybersecurity professionals available to keep up with new openings and opportunities. It is the perfect career option if you want to be in a global career. If you are interested in making a career in cybersecurity, you should enroll yourself in a cyber security program that suits you to get started.

https://knowshunt.com/why-should-you-learn-cybersecurity

Becoming the proud owner of a French property often involves a steep learning curve. Questions such as “so what is a copropriété?” and “where do you think the fosse septique is located?”, take on huge importance. So too does the myth and mystery that surrounds French insurance policies and especially the frequently asked question, “so just how do you cancel a policy?” Coming from overseas where policy cancellation can often be done simply and almost instantly, the French approach can take a bit of getting used to. But, once you understand how insurance cancellation works in France, it is not that complicated and has actually become easier in recent years. Cancelling property or motor insurance When it comes to property and vehicle insurance for private individuals, the policies can be canceled at any point if you give a notice period of 31 days and the policy is over a year old. This comes under a process known as the loi Hamon and the procedure can only be triggered by the new insurance company, this ensures that customers are not left without cover. If you choose this option you will get a full refund of any premium paid upfront (with any cover period already ‘used’ deducted on a pro rata basis) and by law, no cancellation fees or penalty payments can be applied. The policies can also be canceled at any time if the risk has ‘gone’; in other words, once you have moved out (in the case of a tenant) or sold the property or vehicle. However, in either scenario the insurance company will require proof that these events have taken place before they will cancel the policy. In the case of a rented property they will require the document known as the état des lieux de sortie from the tenant and in the case of a sale, they will ask for the acte de vente from the owner and when selling a vehicle, you will need to supply the insurers with the certificat de cession. The good news is that the premium refunds will be backdated (as long as the date on the documents is less than three months old), so even if you moved a month ago you will get that part of the premium refunded as well. You can also cancel the traditional way, in other words, on the renewal date; however, you will need to ensure that you have sent the cancellation notification at least two months prior to the renewal date. You can also prevent the policy from being automatically renewed. In this scenario you have 20 days to cancel the policy (from the renewal date) after you've received the renewal premium from the insurance company. With both these approaches you need to be both organised and a stickler for dates! This is especially true in the second case; you will need to calculate the 20 days precisely to avoid any potential break in insurance cover or having a premium debited anyway and then attempting to recover it… What about business insurance? Much the same applies to business insurance. There are generally only two ways of terminating a professional insurance contract: either the insurers consider that the risk is ‘gone’ which usually means a business being wound up or sold on and with proof of this (whether sale documents, final paperwork etc), the insurance policy can be amended or canceled. Notice can also be given to the insurance company two months prior to the renewal date. Again, it’s vital to get the dates correct and ensure that you are not left without cover. Beware of banking delays As most insurers edit their bank debits around the middle of the month for the following month (usually around 15 to 20 days before the debits are due for payment), assuming you cancel even ten days prior to the renewal date, you are highly likely to be debited anyway and this is why this cancellation method is generally not the best choice. How to cancel my mortgage insurance? When it comes to mortgage insurance the law has very recently been changed and customers can now use the résiliation infra annuelle procedure to change policies whenever they want. They no longer have to wait until the first year is up. However, here again, the change in policy request can only be triggered by the new insurance company. The original provider does have the right to contest the switch but they are required to demonstrate a concrete reason (such as a substantial difference in the cover provided) for any refusal. Should the mortgage be paid off or in the case of a remortgage, you can again send proof of this to the insurers who will then cancel the policy going back to the date of the event in question. Can we cancel top-up health insurance the same way? Cancellation of top-up (mutuelle) health insurance is covered by an equivalent of the loi Hamon called the résiliation infra annuelle. This means that you can change providers whenever you want once the policy is over 12 months old. If you return to your home country or move overseas or if you no longer require top-up cover for a similar reason, then the policy can be canceled once you can present the insurers with a certificat de radiation à la CPAM. This proves that you are no longer part of the French system and as such, there is nothing to be ‘topped up’ anymore. Again, you can also cancel the policy at the renewal date giving the insurance company two months notice prior to the renewal date. In situations where people become eligible for the CSS (complémentaire santé solidaire) the state will pay the insurance company directly so this is not really a cancellation as such. Catharine's top tip: Always send your cancellation letter, recorded delivery and request confirmation that it has been received. This is known as LRAR and stands for lettre recommandée avec avis de réception and it's a good habit to get into when sending any official letter in France and this can even be done online through services like resilier.com.

https://www.fabfrenchinsurance.com/property/cancellation-rules-in-france/

Insurance agents work hard to sell insurance policies to customers, and it can be tough to stand out from the competition. But, with the help of AI-assisted sales and marketing automation software, agents can sell more policies and stay ahead of their competitors. In this article, we’ll explore how AI-assisted automation can help insurance agents maximize their sales and take their business to the next level. Collecting and Analyzing Customer Data: The first step in using automation to sell more policies is collecting data from potential customers. Automation can be used to collect and store customer data, such as their contact information and preferences, which allows agents to create personalized follow-up messages. This personalized approach leads to more engagement with customers, resulting in higher sales rates for insurance policies. AI algorithms can also analyze customer data to identify trends and patterns, which help agents better target potential customers. Identifying Potential Customers: AI-assisted automation can help agents identify potential customers through predictive analytics. By analyzing customer data, AI algorithms can identify trends and patterns that help agents predict the behavior of potential customers. This enables insurance agents to focus their efforts on the right customers, which can lead to faster sales. AI-assisted automation can also help agents tailor personalized sales messages to potential customers, encouraging deeper engagement and higher conversion rates. Another benefit of using AI-assisted automation is improved efficiency with automated communication platforms. Automation enables agents to set up automated emails and text messages that are triggered when customers take certain actions, such as signing up for an email list or scheduling an appointment. This saves time and allows agents to be more responsive to their clients, resulting in better customer service. Closing Deals Faster: Using AI-assisted automation solutions can help insurance agents close deals faster by providing them with the tools they need to streamline their sales process. Automated communication platforms enable agents to set up automated emails and text messages that are triggered when customers take certain actions. AI-assisted automation can also help agents identify potential customers and tailor personalized sales messages, which encourages deeper customer engagement and leads to higher conversion rates. AI-assisted sales and marketing automation can help insurance agents sell more policies and provide better service to their clients. By collecting and storing customer data, tailoring personalized messages, identifying potential customers, and enabling automated communication platforms, agents can sell more policies and close deals faster. Using AI-assisted automation solutions is a great way for insurance agents to stand out from the competition and achieve greater success.

https://www.fulcrumconcepts.com/how-ai-assisted-sales-and-marketing-automation-can-help-insurance-agents-sell-more-policies/

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Professor Hansen invited to join Indiana governor’s cybersecurity advisory councilJune 22, 2022 Matt Hansen, Indiana Tech alum, adjunct professor and coach of the university’s national powerhouse cyber defense team, the Cyber Warriors, has been appointed as an advisory member to Governor Eric J. Holcomb’s Indiana Executive Council on Cybersecurity. Hansen, a senior cloud solution architect at Microsoft, will help advance cybersecurity initiatives—primarily in health care and Indiana Workforce Development working groups—across the state. Created in 2017, Governor Holcomb’s Council on Cybersecurity is comprised of a cross-sector body of subject-matter experts tasked with assessing and understanding Indiana’s cyber risk profile. The council identifies the state’s priorities related to cybersecurity and establishes a strategic framework of Indiana’s cybersecurity initiatives. Hansen has coached Indiana Tech’s Cyber Warriors since 2015, with this year arguably being the squad’s best ever as it finished 11th in the nation. All told, the Cyber Warriors have won 15 Indiana Collegiate Cyber Defense Competitions (including eight straight) and three regional titles. Hansen earned his undergraduate and graduate degrees from Indiana Tech; a Bachelor of Science in Network Engineering in 2014 and a Master of Science in Engineering Management in 2018. Learn more about Governor Eric J. Holcomb’s Executive Council on Cybersecurity here.

https://www.indianatech.edu/news/professor-hansen-invited-to-join-indiana-governors-cybersecurity-advisory-council/

Personal injury accidents are among the most commonly litigated claims. Personal injury accidents involve situations where one party causes injury to another due to negligence or carelessness. They are distinguished from other types of claims in that the conduct is usually accidental, and not intentional. For this reason, personal injury accidents can sometimes be more difficult to prove than other types of claims. Personal Injury Accident Lawyers What Are Some Examples of Personal Injury Accidents? Personal injury accidents can involve a wide range of different incidents and mishaps. Some of these may include: - Car accidents - Slip and fall claims - Medical malpractice - Toxic substance injuries - Dangerous property injuries - Product liability injuries - Scuba diving accidents Basically, any situation where a person is injured accidentally can lead to a personal injury accident lawsuit. Again, with such claims, the challenge is in proving which party is responsible, since no acted with intent to injure the victim. How Is Liability Proven in a Personal Injury Accident? Usually, personal injury accidents are proven using a negligence theory. To prove negligence, you’d need to show that: the defendant had a legal duty of care to the victim; the defendant breached this duty; and the breach of duty was the cause of the victim’s measurable damages. So, for example, in a car accident claim, all drivers owe other drivers on the road the duty to drive carefully and to follow all driving laws. Thus, if one driver disobeys traffic laws, they might be held liable if their breach of care injures another driver. Proving liability in a personal injury accident can get complicated and usually requires the assistance of a personal injury lawyer. What Are Some Legal Remedies for Personal Injury Accident Claims? Most personal injury accident lawsuits will result in a damages award to the victim. These will usually cover losses such as medical expenses, lost wages, pain and suffering, and punitive damages (if applicable). In some personal injury claims, the court may issue an injunction, which is a court order containing instructions that the defendant needs to fulfill (such as cleaning up toxic materials or fixing dangerous building structures). Do I Need a Lawyer for a Personal Injury Accident Issue? Personal injury claims can often involve some complex legal proofs. You may wish to contact a qualified personal injury attorney in your area if you need help filing an injury claim. Your lawyer can help you meet the various court requirements and can perform the legal research necessary to succeed on your claim. Also, your attorney can provide you with valuable legal guidance during the court hearings. Need a Personal Injury Lawyer in your Area? - New Hampshire - New Jersey - New Mexico - New York - North Carolina - North Dakota - Rhode Island - South Carolina - South Dakota - West Virginia

https://www.legalmatch.com/law-library/article/personal-injury-accident-lawyers.html

Why People Don't Buy Long-Term Care Insurance Many consumers see it as a poor investment and not necessary When it comes to long-term care, two facts stand out. First, an estimated 70 percent of people will need such care, which will be costly. And second, most of them refuse to buy insurance to cover it. The question is, why? Part of the explanation, no doubt, is that long-term-care insurance is expensive. Some people also may be assuming, incorrectly, that they will qualify for government assistance to help them pay for nursing home care. Rules are in place to disqualify many who won’t meet the strict conditions required. But our research suggests that a deeper problem may be that consumers are looking at long-term-care policies in the wrong way; and, just as important, that insurers may be missing opportunities to tweak their products in ways that might address and overcome some of the root causes of those misunderstandings. Why LTC Insurance Is Not Attractive For instance, in a study we conducted recently, we found that many people regard long-term-care insurance as having no real value if ultimately the payouts aren’t needed. That is, instead of looking at long-term-care insurance primarily as financial protection, many people think of it as an investment — and a bad one at that. They see the premiums as money that would be wasted if the policy owner ultimately doesn’t need long-term care. They don’t think about the catastrophic losses a policy could help them avoid. Moreover, our research suggests that some consumers’ rejection of long-term-care insurance is based on what psychologists call “narrow framing,” or people’s tendency to exclude key factors when making decisions. Narrow framing has been found to be common when individuals face complicated decisions — and shopping for long-term-care insurance is certainly one of those instances. In our study, we looked at a subset of 1,900 respondents in the Health and Retirement Study, a nationally representative survey of Americans over the age of 50. Based on their answers, we classified respondents according to how likely they were to be narrow framers. We then looked at whether narrow framers had different amounts of long-term-care insurance. We found that narrow framers were much less likely to have long-term-care insurance, compared with the average person. Specifically, narrow framers were only half as likely to buy such insurance — a gap that persists regardless of respondents’ health status, risk tolerance, marital status and wealth. How Insurers Can Make Product More Attractive While our findings suggest that long-term-care-insurance providers are up against some deep-seated consumer attitudes, we believe that insurers could better position their products in the marketplace by providing more information to consumers regarding the high probability of needing care, and the high costs of such care. Insurers also could focus more marketing toward adult children whose parents will likely require nursing-home care, since the children are often aware of (and concerned about) the costs and benefits that insurance can provide. Another approach would be for insurers to emphasize policies that provide benefits in addition to protection for long-term-care costs. For example, more policies could include retirement income payouts or life insurance — as some insurers already do offer. While adding such features does make long-term-care policies more expensive, they help alleviate concerns about policies being worthless if long-term care were not needed. In fact, many life-insurance companies already take this tack by including a savings component that pays out should the policy owner outlive the policy.

https://www.nextavenue.org/why-people-dont-buy-long-term-care-insurance/

Renters insurance provides an affordable way to protect your valuable possessions and pocketbook. Why buy renters insurance? You get the peace of mind of knowing that your valuable possessions will be covered in the event of a fire, burglary, or other covered hazard in your rented apartment, house, condo, or other leased home. Just as important, you can rest assured that liability insurance included in the policy will protect your finances in case a visitor claims that they suffered from an injury or damage in your home. How much is renters insurance? Simply fill out our online quote form to learn how affordable this valuable protection is. The average cost for most renters is only $12 to $24 a month. Since we can allow you to customize your policy for your needs, rates vary by the amount of coverage you desire, the types of coverage, and exactly where you live in the state. In some cases, basic renters coverage might not be enough for expensive jewelry, artwork, and other valuables, but we can help you find the right way to protect luxury goods too. We’ll find you the cheapest quotes. As independent agents, we have the ability to help you shop the market for the lowest prices from quality insurance companies. In many cases, we can also help you access discounts for the things you do to keep your rented home safe and for bundling your apartment insurance with other policies. For example, many companies offer discounts for customers who choose to bundle their coverage with auto insurance. Because of these multi-policy discounts, many clients feel like they almost get their renters policies for free. We’ll explain exactly what your policy covers. Even though rental policies are fairly simple, all insurance can get confusing. Let us help you comb through the fine print on your policy. When you work with us, you will understand exactly what your new policy covers and what it doesn’t cover. We’ll also explain different choices that you can make, so you can be sure that buy the right plan at the right price for your own needs. We’ll help you make claims: In the event that you ever do need to file a property or liability claim, we’ll be right there beside you. Don’t worry about filling out complicated forms or waiting a long time to get your claim processed. We know that you only really find out if your insurance provides you with a good value when it comes time to actually use it, and we want to be sure that you are our satisfied client for life. What does renters insurance include? Typical policies include coverage for all of the things that you own inside of your rented home. Consider your clothing, jewelry, electronics, small appliances, and other personal possessions. For most renters, the value of these items amounts to several thousand dollars. Your landlord should cover the building, but he or she will not cover home contents, and that’s where your rented home insurance steps in. Renters liability insurance protects you against damage or injury claims: If a visitor to your rented home claims that he or she suffered from an injury or property damage, you could get sued. In this case, we and your insurance company will have your back to help defend you and settle claims. In some cases, this liability protection can be even more important than property insurance. What if you have to move suddenly? If your rented home gets so damaged that you can’t live in it, you may need to move quickly. You can purchase a renters policy that covers loss of use. In other words, it provides money for temporary housing or a quick move because of a covered risk. Cover your rented condo, apartment, house, or any type of leased home. When you work with us, you can be sure that your coverage gets tailored to your needs. We can help you customize a policy for everybody from a student in a college dorm to a couple living in an uptown condo.

https://www.otterstedt.com/personal-insurance/renters-insurance/

Peace of Mind. Made Easy. PROTECT YOURSELF FROM FINANCIAL DISASTER GAP DEFENSE™ provides coverage in the event of a total loss due to accident or theft. GAP DEFENSE ™ understands that your standard insurance policy for your RV will not provide all the financial protection you need. Many RVers have learned this the hard way. The reason being is because more often than not, the value of your RV will be less than the balance of your loan, which is known as being upside down on your RV loan. GAP DEFENSE ™ will help you to cover the difference when you’re stuck in this unfortunate situation. Negative equity on your RV puts you at immediate risk. GAP DEFENSE ™ designed this program to help provide you with peace of mind to help cover the difference you will owe between the fair market value of your RV and your outstanding loan balance at the time it’s totaled or stolen. GAP DEFENSE™ BENEFITS INCLUDE: - Coverage up to 120 months for GAP Terms on RVs including motorhome, Class A, B, C, 5th wheel, travel trailer, pop-up camper, trailer, and slide-in - Coverage up to 135% of the MSRP - Coverage up to a maximum loan amount of $500,000 - Coverage up to $50,000 for a maximum claim payout - Coverage for primary insurance deductible up to $1,000 - Coverage up to RVs 20 years old (current year minus 19 years prior)

https://www.tire-shield.com/gap/

By Michael Giusti, insuranceQuotes.com Being the life of the party can be exhilarating, and—as a caterer—you are the unseen life of the party. Unfortunately, you are also on the hook if things go terribly wrong. Just like any other business, caterers need to protect themselves through insurance. By understanding a few basics about protecting your business, you can stop worrying and start planning the next big event. A Typical Policy Most businesses are covered by a bundle of insurance called a business owner’s policy, and caterers are no different. However, there are unique aspects caterers need to consider when it comes to insurance: 1. First off, it pays to shop for your catering policy from a company with some experience. There are some great companies out there that specialize in catering, and they are more than happy to customize your policy for your specific needs. For example, a good catering policy is non-premises specific—that is, it can move to your client’s location with you. The nature of catering means that you aren’t set up in one place from week to week, so it is essential that your coverage moves with you. 2. Another key is to look for a blanket annual policy. Sure, there are companies that will sell you policies by the event, but unless you really are only catering a small handful of events a year, those small costs add up quickly, and that annual policy makes much more sense. 3. You also need to make sure that your insurer is serious about certificates of insurance. Many clients will demand that you cough up proof of coverage before you land the job, and the best insurers have great systems set up for that. Some have proof of coverage built into apps, while others have web portals that let you quickly get electronic copies to share. And most are also more than happy to include those clients as named insured on your policy through those portals. Catering insurance comes with a variety of coverage limits, with the low end being around $300,000 per incident, and a $600,000 annual aggregate. But typically clients request a $1 million/$2 million policy, so unless you have a specific need, buying more coverage may not be worthwhile in the end. One of the great benefits to a catering policy is that the insurance company can help hire an attorney to protect you in case something goes wrong and you are sued. And if you lose, they will also cover your liability for bodily injuries or medical payments (after your deductible, of course). If a venue you are working in is damaged because of you or your staff, that liability portion will have your back as well. Additional points to keep in mind: • Make sure to talk to your insurer about all the waiters and contract workers you employ so you can get a properly matched worker’s compensation policy. • Many states will hold caterers liable if a guest is overserved, so liquor liability becomes important. • Depending on your situation, coverage for spoilage or equipment breakdown can be essential. • And don’t forget your trailer or mobile kitchen, which will likely need its own endorsement to stay protected. There are plenty of restaurants that never dreamed of becoming a caterer before lockdowns forced them to look for other revenue streams. The good news for them is that many of the coverages needed for caterers are typical for restaurants, with a few exceptions. One thing that restaurants may not have thought about is auto insurance. If your new catering venture requires vans or trucks, a commercial auto policy is essential. On the other hand, if your employees handle the delivery, you aren’t off the hook for insurance. In that case, make sure to get a hired and non-owned auto policy, which would protect you if someone from your company causes damage with a vehicle that isn’t owned by your business while they are on the job. To make sure you aren’t leaving out something, make sure to let your agent know you have moved into the catering world to ensure everything is properly covered. While no expense is easy to take on, the cost for proper insurance is an investment in keeping your business safe from catastrophe. How much you pay depends on your specific circumstances and what you need covered—the more employees and more coverages you need, the more you will pay. But paying less may mean you aren’t well covered, so skimp at your own risk—literally. ABOUT THE AUTHOR Michael Giusti, M.B.A., is a senior writer at insuranceQuotes.com, which helps consumers shop and compare insurance quotes online. He has worked as a journalist for more than 20 years, including as a reporter at a daily newspaper in Florida, as an editor at a regional business journal, and as a writer for national and international publications. He specializes in business, technology, finance, insurance, automotive and industry-focused writing.

https://cfe-news.com/how-to-protect-your-business/

We’re Dallas Bus Accident Lawyers Why hire the Corbett & Corbett LLP if you are injured in a bus accident? - We are aggressive - We are knowledgeable - We are skilled - We are hardworking - We don’t collect unless we get you compensated Many people are injured and killed when bus accidents occur. That’s because buses usually carry many people, e.g., school buses, city buses, passenger buses, etc. Additionally, buses are large heavy pieces of equipment that cause a lot of property damage and bodily injury. In 2009, there were 56,000 bus accidents according to the United States Department of Transportation. 9000 injuries and 221 fatalities occurred from these bus accidents. Many of these accidents occurred because of negligence. Specifically, bus accidents are caused by: - Driver fatigued - Driver distraction - Reckless driving - Intoxicated driving - Inexperienced drivers - Faulty buses and equipment When bus accidents occur, the victims must be diligent about finding a Dallas bus accident attorney that is familiar with bus accidents, accident reconstruction, federal law, etc. Our Dallas bus accident attorney is aggressive and experienced when representing accident victims. He doesn’t take any stuff from insurance companies. PERIOD! Our motto is we are small enough to focus on your individual case but large enough to fight like “you know what” until we get you fair representation. Do not discuss your case with bus company’s insurance adjuster. DON’T Delay! Call Dallas bus accident attorneyAugustus Corbett TODAY.

https://corbettfirm.com/practice-areas/dallas-bus-accident-lawyer/

Transfer seeks to deal with business practices which have led to non-compliance The Items and Companies Tax (GST) Council of India is anticipated to deliberate on GST implications for co-insurance and reinsurance in its forthcoming assembly. The dialogue follows a advice from the fitment committee, as indicated by a senior authorities official in a report from Moneycontrol. The transfer seeks to deal with sure business practices which have led to GST non-compliance, necessitating clearer pointers. GST authorities have not too long ago concluded probes into a number of insurance coverage corporations, uncovering tax evasion incidents throughout three distinct eventualities: extreme commissions to brokers, and points associated to co-insurance and reinsurance preparations. These findings have prompted the issuance of formal notices to the implicated insurance coverage entities. The official indicated that these insurance-related issues, now widespread inside the business, can be reviewed by the GST Council following an examination by the fitment committee. The council’s agenda will embrace addressing stakeholder representations which were submitted to GST authorities. It’s anticipated to happen earlier than the tip of March. GST notices for insurers Notably, the Life Insurance coverage Company of India (LIC) was served with a GST discover for Rs 806.3 crore for the fiscal 12 months 2017-18, citing varied compliance lapses, together with the inaccurate reversal of enter tax credit linked to reinsurance actions. Moreover, in 2023, Star Well being and Allied Insurance coverage confronted a GST demand of Rs 38.99 crore for alleged non-compliance associated to premiums collected beneath co-insurance preparations from July 2017 to March 2023. ICICI Lombard Basic Insurance coverage additionally acquired a discover for about Rs 1,730 crore in unpaid GST spanning from July 2017 to March 2022. The fees concerned non-payment of GST on co-insurance premiums acquired and on reinsurance premiums ceded to each Indian and overseas reinsurance firms in the course of the specified interval. What are your ideas on this story? Please be at liberty to share your feedback beneath. Sustain with the most recent information and occasions Be part of our mailing record, it’s free!

https://icewi.org/reinsurance-points-in-india-set-to-be-mentioned-in-council-assembly/

The exchange rate of the national currency fluctuated last year, therefore the life insurance market recorded a decline in demand for dollar products. LICs increased the total collection of premiums by 34% at the end of 2023 against a decrease of 0.8% a year earlier. “We obviously realize that a million tenge 10 years ago and now are two completely different amounts in terms of consumer value. The product’s important feature is that it guarantees the client insurance coverage for the entire period of savings. This means that from the moment the insurance premium is paid, the client’s life is insured for the entire amount of savings, including the sum of investment return. Thus, if during the insurance period the insured client passes due to an accident or illness, then the persons indicated as recipients of insurance benefit immediately receive the amount for which the policyholder was insured in full, including the amount of the guaranteed investment return,” Zhanar Zhubaniyazova, Chairman of the Board of LIC Halyk-Life, explains the peculiarity of dollar savings products. The perks of foreign exchange insurance products are insurance coverage plus return (money) for a certain period. “Some companies provide the opportunity to obtain a loan secured by the redemption sum of the policy. There is also a deduction of insurance premiums from taxable income. Besides, insurance coverage is valid throughout the world, 24 hours a day,” says Oleg Khanin, Chairman of the Board of LIC Kommesk-Omir. Endowment insurance products have become more popular over the past few years due to legislative amendments adopted in January 2021; this relates to tax benefits on endowment life insurance programs. With an endowment life insurance agreement of 3 years or more, a policyholder can now save on taxes up to 93 thousand tenge per year. The insurance company’s client may not pay tax for payments under endowment contracts and for redemption amounts upon contract termination with LIC. “Currency programs are unique and definitely lucrative for the client, since the return on these programs is higher than on dollar deposits. The product advantages such as high rates, tax benefits, legal privileges and life insurance for the entire policy period attract customers, and the number of contracts increases annually. Tremendous work is required for the mass promotion of endowment insurance products,” explains the press service of LIC Eurasia. The shortcomings are that early termination of the agreement is unbeneficial, as not all the money is returned but only the redemption amount. LIC Halyk-Life offers the Halyk-Kazyna product with a guaranteed return of up to 4.2% per annum, which is, in fact, higher than that of foreign currency deposits. “After three years, the company has constantly received positive returns on the Halyk-Kazyna product, thanks to a timely revision of investment strategy and coverage of obligations. This is positively influenced, among other things, by a close relationship with the management company, their understanding of the product and professionalism in working in foreign financial markets,” shares the executive of LIC Halyk-Life. The main advantages of the Halyk-Kazyna product: - The funds can bring the client a return on investment of up to 4.2%; - The funds provide the client with a good insurance coverage; - The client’s funds under this program are liquid - they can be withdrawn at any time (receive the redemption amount upon termination), or it is possible to issue a loan secured by the redemption amount on preferential terms; - The funds are protected from claims of third parties and the state; - The customer can indicate a beneficiary that will receive the insurance benefit in the event of the insured person’s death; this does not require either a will or inheritance. The minimum lump-sum insurance premium is 1000 US dollars equivalent in tenge. LIC Kommesk-Omir has a product Satti Omir, an endowment life insurance program with indexation and profit sharing, which allows you to simultaneously provide financial security from the consequences of accidents and illnesses, create savings with investment return for various purposes and guarantee decent security in old age. “The volatility of the national currency and the higher rate of return compared to bank deposits must be considered. For example, under contracts linked to changes in the exchange rate, the insurance market offers over 3.4% depending on the insurance period and amount of indexation, which is (2-3 times) more than what banks offer on foreign currency deposits. It is also important that in addition to savings, a person is also covered by a life insurance policy,” explains Oleg Khanin. The minimum lump-sum insurance premium is 1,000 US dollars equivalent in tenge at the National Bank rate. The maximum insurance period is 15 years; the upper limit of the insurance premium is unlimited. LIC Eurasia operates three endowment life insurance programs, they are as follows: Grant (SESS), Brilliant and Tarlan USD. Grant: a minimum threshold of $500 at the National Bank rate with the possibility of replenishment. Brilliant: $960 at the National Bank rate with the possibility of replenishment. Tarlan USD: 1,000 dollars at the NB exchange rate. LIC Freedom Life has three following endowment programs indexed to US dollar exchange rate: Freedom First, Freedom Capital and Freedom Money; each of them has its own characteristics and terms: The contract under the Freedom First program can be concluded online, without leaving your home; you can pay the insurance premium at any time and receive a partial payment during the accumulation period. The insurance period under this program is from 2 to 5 years. The return based on an annual effective interest rate of up to 2.76% in US dollars. The agreement under the Freedom Capital program is concluded for a period of 3 to 10 years. The annual effective interest rate in US dollars is up to 4% and up to 1.5% in euros. The insurance premium is made all at once. “The Freedom Money program has a contractual savings period of 5 years or more. The insurance premiums can be paid at a certain frequency (monthly/quarterly/semiannually/annually or all at once). This program can include various extra types of insurance coverage in case of disability, injury, or critical illness. The payment of savings is indexed to the US dollar exchange rate at the end of the contract,” concluded Azamat Yerdessov, Chairman of the Board of LIC Freedom Life. The Freedom Capital program requires a lump-sum insurance premium of $1,000. The initial instalment on Freedom First is from $250. The minimum insurance premium on the Freedom Money program is from 15,000 tenge (33.20 US dollars at the current exchange rate). According to the National Bank of the Republic of Kazakhstan, the total volume of premiums on voluntary personal insurance, which also includes endowment life insurance products, has amounted to 363.2 billion tenge for 11 months of 2023, which is 33.8% more than the same period in 2022. Photos are from open sources.

https://lifeinsurance.kz/en/produkt/sravnivaem-dollarovye-programmy-strahovshchikov-zhizni-kazahstana

Charities, Voluntary Organisations, C.I.C’s, Community Groups and Mosques, Temples and Churches We offer a selection of different policies for not for profit organisations Charities and Charity Shops package insurance Faith Insurance for Buildings, contents and liabilities Covers can include Buildings, Contents, loss of income, liabilities and many other sections. Our ever popular Church Insurance Select policy provides Mosque Insurance, Synagogue Insurance and Church Insurance for all denominations. Our cover can be tailored to meet your specific need, be it cover for an individual Torah, Minbar, or Tabernacle, or for a complete Synagogue, Mosque or Cathedral. Our premiums are extremely competitive and the insurers realise that your funds are limited and hard earned. Our knowledge of this specialised sector is extensive. If you feel that you are paying too much for your present insurances or that your current broker or insurer really doesn’t understand your needs, then please get in contact with us. Perhaps you are happy with your present insurance but just would like to be looked after by a charity specialist. We have agencies with all the major charity insurers and would be happy to take over and review your existing policies. For Church Insurance and Charity Insurance speak to the specialists. All insurance policies were not created equal.

https://pibim.co.uk/services/charities/

The European Court of Justice (ECJ) ruled in May that individuals can seek compensation for non-material damages resulting from General Data Protection Regulations (GDPR) violations. In this article we consider the potential implications for insurers. The case considered an Austrian citizen who sued the country’s postal service for processing their data without their consent. The Claimant sought reparations for ‘non-material damage’ under GDPR’s liability regime, alleging that they had been caused substantial distress. In its defence the postal service asserted that the Claimant data subject had not suffered sufficient damage. The national court was unsure as to the extent to which compensation rights for non-material damages apply under GDPR’s Article 82, so it referred the case to the ECJ. The ECJ ruled that: ‘Not every infringement of the GDPR gives rise, in itself, to a right of compensation’. However, there is no requirement for non-material damage to reach a certain threshold of seriousness to confer a right to compensation. As such, data subjects seeking compensation for GDPR breaches can do so without proving that a specific threshold for the seriousness of the harm is met. It is then for national courts to decide on the appropriate level of damages. Considerations for insurers Despite the claimant still having to prove a GDPR violation and a causal link between the violation and the harm, this decision could result in an increase in data privacy claims against businesses. However, this case must be balanced against the case of Lloyd v Google, in which the Supreme Court held that a mere loss of control over data does not automatically result in compensation. Indeed, the ruling of the ECJ is not binding on English courts following Brexit. Nevertheless, the decision could still be persuasive and influential in judges’ decision making in the UK. As such, insurers and underwriters should consider the scope of coverage they offer to policy holders, particularly under management liability, professional indemnity and cyber wordings, where cover for data privacy claims is often provided. Additionally, insurers may also wish to consider incorporating tighter conditions into their wordings in relation to GDPR compliance.

https://www.brownejacobson.com/insights/the-word-may-2023/predicted-surge-in-data-privacy-litigation-claims

Sitting comfortably by the fireside on a chilly winter night is as classic an experience as they come. But if you don’t use your fireplace correctly or maintain your chimney, it also introduces a major risk to your health and home. The most common winter fire hazards involving your fireplace are easily avoidable as long as you know the precautions to take. Read on to learn about the best ways you can protect yourself from common fireplace hazards during the winter. Only Burn Safe Combustibles During the coldest nights of the year, you may find yourself running low on properly seasoned wood. It may be tempting to burn some of the fresh wood you were keeping for next year. In some cases, it may even seem like a good idea to burn trash or other items you wanted to get rid of. Don’t do it! Burning wood that’s still green will produce a smoky fire without as much heat as seasoned wood. Not to mention all the creosote and soot it will leave in your chimney! You won’t get to enjoy the fire, and may have to deal with excessive smoke billowing back into your home. There’s even some wood, such as the type used for construction, that’s treated with chemicals and is unsuitable for burning. Any creosote in your chimney contributes to the potential for a chimney fire. These dangerous fires will likely lead to long-term damage in your chimney, and the possibility of a more serious fire in your house as well. Even worse, burning trash or other items not meant for fireplaces can introduce dangerous chemicals into the air. But that’s not all: light trash, like wrapping and paper can float due to the strong flow of air in a chimney. If it catches fire and floats into your home, it can start a fire. Never Use the Fireplace Without a Screen Because of the cold, you may be tempted to remove anything between you and the fire. Opening the screen won’t make any noticeable difference in heat produced by your fireplace, but it will put you and your family in danger. Sparks from a fire are a constant risk. They can shoot off at random intervals, in random directions. It only takes one to ignite a house fire, and they’re often small enough that you may not notice it until it spreads. Keep the screen in place during any active fire. Without it, you’re putting yourself is harm’s way for no reason. Clean Your Gutters & Roof Around Your Chimney Conditions outside of your home can be a risk too! The purpose of your flue is to direct exhaust out of your home – but sometimes fire and sparks will go with it. Did you take care of all the leaves on top of your house this past fall? If not, they could easily be ignited by a wild spark flying out of your chimney! In some cases, chimneys that have damaged chimney caps or no caps at all become filled with dried leaves, twigs or other debris. If you live in a well-wooded area like Ann Arbor, Michigan, you know how quickly leaves and branches can build up around your home! These are even more dangerous, as they’re almost guaranteed to catch fire from the intense heat and sparks from the fireplace. Even if they don’t, they can trap smoke in your flue, prevent proper airflow, and force deadly gasses into your home. Remove any leaves from your roof, chimney cap and gutters. If you find other debris, keep it far away from the chimney. Keep Fires Burning Reasonably Frigid temperatures encourage homeowners to burn more intense fires – and they’re one of the biggest winter fire hazards involving your fireplace. Despite what you may think, a fireplace isn’t intended to handle all levels of open flame. If you stack too many combustibles, especially highly-flammable objects like starter logs, you can build a very big flame. In addition to creating more smoke, they can also allow extreme temperatures to reach high into the chimney, where they may ignite deposits of creosote causing a chimney fire. These raging fires will also increase the likelihood of wild sparks firing out from the firebox or chimney, potentially igniting nearby flammable objects. Heating your home with a fireplace requires careful attention and precaution. Don’t use too much wood and avoid accelerants. Don’t Forget About the Damper Many homeowners don’t make enough use of their damper when trying to control a fire. Overloading your fireplace with wood to increase the temperature can lead to an unruly fire. If this happens, your damper will help you regain some control over the intensity of the flames. Experiment with your damper to get a feel for how the increased or decreased oxygen impacts your fire. More oxygen will help feed the flames, while less oxygen will rein the fire in. Never Leave a Fire Unattended Even a waning fire is a potential risk when left unattended. No matter what you do, you should never walk away from a burning flame. If you’re ready to go to bed, or need to leave for the evening, ensure that the fire is completely stopped. While you may think a fire is dying down on its own, a sudden rush of air can cause an unexpected resurgence. If you left the screen open, or have creosote in your chimney, a fire could start without you being there to stop it. Schedule an Inspection The most important step you can take to reducing fire hazards in your home is scheduling an inspection and cleaning of your chimney. Whether or not you plan to use your chimney, it’s important that it’s regularly inspected and cleaned. For those that intend to make heavy use of their fireplace, it’s critical to hire a professional to inspect it annually. Worried About Winter Fire Hazards in Your Chimney? Call Doctor Flue! The CSIA-certified experts here at Doctor Flue offer chimney services and products in Michigan and Ohio and can inspect your chimney and identify any potential risks. Contact us today! We’ll get you set up right away so you can have peace of mind. Call Us: 1-800-438-3583 Email Us: email@example.com Office Hours: Mon-Fri: 8am-4pm Connect with Doctor Flue on Social Media

https://www.doctorflue.com/blog/winter-fire-hazards/

Third-party cyber liability insurance can pay for your business's legal expenses if one of your clients files a lawsuit after experiencing a data breach. Third-party cyber insurance provides liability coverage for businesses that are responsible for a client's online security. This includes protecting clients from cyberattacks and data breaches. If a client experiences a cybersecurity breach and sues, third-party cyber liability insurance can pay for your business's legal expenses. Many businesses in the information technology field can benefit from the protection of third-party cyber coverage, such as businesses that install or service computer networks. Other IT businesses that can benefit from a third-party cyber insurance policy include: Third-party cyber insurance is often included in a tech professional's errors and omissions insurance policy. This package is called technology errors and omissions insurance, or tech E&O. It helps pay for lawsuits when a business – either because of its actions or lack of action – is sued for causing a data breach or another mistake or oversight. Most IT businesses will benefit more from third-party coverage, since it will protect them from client lawsuits. However, any business that stores sensitive data online should strongly consider purchasing first-party coverage. First-party cyber liability insurance addresses the financial fallout associated with cybersecurity breaches on a business's own network. For example, if an e-commerce business is hacked and customer credit card numbers are stolen, first-party cyber coverage can pay for expenses such as: First-party coverage can also pay for expenses associated with cyber extortion. For example, if a ransomware attack is holding a cloud service provider's data hostage, the provider's first-party cyber policy can pay the ransom in order to (hopefully) get the data restored. Third-party coverage can cover expenses for businesses responsible for clients' online security and data. If an IT company's client experiences a ransomware attack or data breach and sues the IT business, third-party cyber insurance can pay the necessary legal expenses to defend the business in court. Let's say you're an IT consultant hired to help your client step up a security protocol. You recommend antivirus software that has a few recent well-documented weaknesses. When your client's network is compromised and customers' sensitive financial information is stolen, the client blames you and files a lawsuit. At that point, your third-party cyber policy can help pay for: Ransomware, phishing attacks, and data breaches are continuing to rise – impacting more businesses each year. If one of your clients is hacked and sues your business, the resulting legal bills could be devastating. Third-party cyber liability insurance helps ensure that your IT business can survive the financial aftereffects of cybercrime. Insureon helps small business owners compare quotes for cyber liability insurance and other policies with one easy online application. Start an application today to reduce your business risks.

https://www.insureon.com/insurance-glossary/cyber-liability-third-party

Sobo & Sobo Wins Major Court Decision Against Insurance Company for Fraud Aug 15, 2018 Albany, NY (Law Firm Newswire) August 15, 2018 – On July 5, 2018, the Third Department Appellate Division granted a woman severely injured in a motor vehicle accident the right to seek further settlement from an insurance company that allegedly used fraud and deceit to convince her to sign important legal documents closing her claims. The case was originally dismissed by the Ulster County Supreme Court because the victim signed a release of her claims, but the Law Offices of Sobo & Sobo appealed the Supreme Court’s decision and won, opening the door to a legal investigation into allegations of fraud by the insurance company. Lois Fimbel was injured in a motor vehicle accident when the car in which she was a passenger slid on ice, overturned, and struck a tree. Within days of the accident, while she was still on pain medication, an insurance agent visited her home. Ms. Fimbel scheduled the visit because she was told by the insurance adjuster that she wanted to talk only about damages to the vehicle. During the visit however, the adjuster coerced her to sign a legal document that terminated her rights to pursue any claims for her injuries. An x-ray later revealed that Ms. Fimbel suffered severe injuries including a fractured leg. Sobo & Sobo seeks to fight the insurance company practice of meeting with injured victims within hours of their accident, and fraudulently inducing victims at a time of vulnerability to sign documents that permanently close their legal claims. Greg Sobo, Courtney Campbell, and Brett Linn submitted the winning court briefs. Greg Sobo, managing attorney for the Law Firm of Sobo & Sobo, said that he hopes that this significant win will serve as the first step in ending this insurance company practice. “It is wrong for insurance companies to force their way into the homes of innocent injured victims in their most vulnerable time of need. Even worse, it is inexcusable that some insurance companies see this time of vulnerability as an opportunity to twist the facts, distort the law, and trick innocent injured victims into signing legal documents that close their claims forever.” Sobo continued, “I am proud to lead the fight against this practice, and believe that the Appellate Division’s recent Decision for Ms. Fimbel is a huge step in the right direction.” About Sobo & Sobo, LLP The Law Offices of Sobo & Sobo, one of the largest plaintiff’s personal injury firms in the country, is driven by a commitment to superior service and world-class representation. It all begins with listening to the victim’s story during a free consultation. Sobo & Sobo has offices conveniently located throughout New York in Middletown, Newburgh, Spring Valley, Warwick and Poughkeepsie as well as New York City. To explore information about their decades of Winning Together, visit www.sobolaw.com or call 1-855-GOT-SOBO.

https://www.lawfirmchronicle.com/2018/08/sobo-sobo-wins-major-court-decision-against-insurance-company-for-fraud/

Insurance verification is a crucial element in upholding financial stability and operational efficiency in medical practices. It involves confirming patient insurance coverage details and eligibility before delivering medical services. Validating insurance information upfront allows you understand each patient’s insurance coverage and benefits. This helps prevent billing errors and claim denials, and allows you to collect copayments and deductibles in advance. By allowing patients to plan for their care and reducing the chances of surprise bills, insurance verification also enhances patient satisfaction. However, the process of checking insurance coverage can be complex and time-consuming, causing inefficiencies and delays. Fortunately, companies providing insurance verification services have several proactive strategies in place to optimize efficiency, helping practices streamline their billing operations and improve overall productivity. Challenges of Patient Eligibility Verification Before we discuss how to improve the efficiency of the process, let’s look into the reasons why health insurance can be challenging. Complexity of health insurance plans: Health insurance plans come with complex terms, conditions, and coverage details. Each plan may have different coverage levels, exclusions, and requirements, making it difficult to quickly and accurately verify a patient’s coverage. Variability in coverage: Even within the same insurance provider, policies may differ in terms of the extent of coverage. Verification requires examining specific details such as deductibles, copayments, coinsurance, and annual limits, which can vary widely among plans. Frequent plan changes: Health insurance plans can change frequently, with updates to coverage, network providers, and reimbursement rates. As healthcare providers may not be informed about these changes immediately, it can lead to discrepancies in the information available at the point of verification. Multiple insurance providers: Healthcare providers can find it challenging to deal with the diverse payer landscape. Every insurance company has its own set of rules and requirements. Verifying coverage for patients with different insurance providers makes matters even more complex. Manual processes: Verifying patient coverage and benefits often involves manual tasks, such as calling up insurance companies or accessing online portals. These manual processes can be time-consuming, prone to errors, and contribute to delays in obtaining accurate information. Inconsistent information: If there are discrepancies between the information provided by the patient at the time of registration and the actual coverage details, it can make verification challenging. Electronic Data Interchange (EDI) challenges: Electronic data exchange between healthcare providers and insurance companies is not fully standardized. Incompatibility issues and differences in data formats can hamper seamless information exchange. Moreover, the lack of a centralized platform for accessing and verifying insurance information can make the process more fragmented and time-consuming. Dynamic nature of healthcare: Healthcare is a dynamic field with constant changes in regulations, billing codes, and technology. Keeping up with these changes and ensuring that verification processes align with the latest standards can be a continuous challenge. Privacy and security concerns: The sensitivity of health-related information necessitates secure handling, which can add additional layers of complexity to the verification process. It requires securely storing, transmitting, and disposing of data, along with implementing access controls and authentication measures to deter unauthorized access. Adhering to data protection regulations like HIPAA is essential for upholding trust and avoiding potential legal repercussions. Addressing these challenges often involves a combination of technological solutions, improved data exchange standards, and ongoing communication between healthcare providers and insurance companies to ensure accurate and timely verification of health insurance coverage. Ready to optimize your insurance verification process? Discover best practices for streamlining complex insurance plan verification by accessing our informative blog post. Best Practices for Improving Efficiency in Medical Insurance Eligibility Checks Here are the top features of efficient insurance verification: Obtaining patient information During pre-registration, collect demographics, medication lists, other medical history information, insurance information, payments, and consent. With access to patient data,insurance verification staff has enough time to organize, review, and share information. Add the patient and their insurance information to the EHR or PMS. Using a detailed checklist When the patient arrives for the appointment, use the following checklist to ensure that all the necessary details are collected: - Name of the patient - Insurance company and ID - Phone number and group number - Claims address - Policy’s effective date and end date - Primary and secondary insurance coverage - Status whether the insurance is currently active - Whether the insurance covers the services, diagnosis, and procedures to be provided - Whether your practice participates with the insurance plan - Limitations and exclusions of the policy - Referral or pre-authorization requirement - The patient’s co-pay and deductibles Verifying patient eligibility with the insurance company Insurance verification professionals typically contact the payer (insurance company) once they have the patient’s information. This communication is commonly done over the phone, where the insurance information collected from the patient is shared with an authorized insurance representative. The purpose is to confirm the coverage and benefits for the patient, including policy status, deductibles, and co-pays. Phone calls are often considered the more reliable option as they allow for real-time eligibility checking and immediate clarification of any uncertainties. However,implementing advanced technologies and tools can significantly expedite and improve the efficiency of insurance verification processes. Software tools designed specifically for patient eligibility verification cross-reference patient information with insurance databases in real-time and generate electronic reports. Overall, both traditional phone calls and advanced technology solutions play a role in insurance verification services, and the choice between them depends on the specific needs and preferences of the healthcare organization. Insurance verification companies help providers establish streamlined and standardized communication channels with insurance companies and patients. It involves ensuring secure electronic channels for transmitting insurance information, utilizing standardized forms and documentation, and ensuring timely responses from insurance companies. Clear communication not only reduces verification time and errors but also enhances collaboration and minimizes misunderstandings. Centralized data management Establishing a centralized system for managing patient and insurance information allows for quick access and retrieval. Patient data is updated accurately, ensuring consistency in the verification process. Any discrepancies identified during the eligibility verification process are promptly addressed as data inaccuracies in the system can lead to delays lasting days or weeks, or even result in unpaid claims. Staff training and development Continuous improvement in insurance eligibility checks also requires ongoing staff training and skill development. An insurance verification company provides comprehensive training to its staff to ensure that are well-versed in navigating insurance portals, understanding policy terms, and handling common verification challenges enhances efficiency. Robust reporting and analysis mechanisms Healthcare providers need to implement robust mechanisms to ensure reporting and analysis for continuous improvement in insurance verification. By regularly assessing and analyzing data, insurance verification processes can be refined and enhanced, leading to increased efficiency and accuracy. Data analytics tools can identify patterns and trends, enabling the implementation of proactive strategies to address issues before they escalate. Detailed reporting can provide insights into potential bottlenecks or areas for improvement. Continuous monitoring and analysis of key performance indicators (KPIs) help in evaluating the effectiveness of insurance verification processes, providing valuable information for decision-making. Curious to delve deeper? Read our blog post for valuable insights on Front-end optimization in medical insurance verification. Establishing clear communication channels Efficiency in insurance verification services is crucial to ensure prompt and accurate reimbursement for healthcare services. Providers can optimize their verification processes by partnering with an experienced insurance verification company. These companies employ professionals with expertise in navigating the complexities of the verification process. As providers focus on delivering quality patient care, leveraging the services of experts can improve overall efficiency in patient eligibility verification and stabilize cash flow. Experience precision, efficiency, and peace of mind with our insurance verification services!

https://www.outsourcestrategies.com/resources/optimizing-efficiency-insurance-verification-services/

The Otay Fire of October 2003, simultaneous with the Cedar Fire, burned 46,291 acres in southern San Diego County, including coastal sage scrub within Rancho Jamul Ecological Reserve, managed by the California Department of Fish and Game. Before the fire, Dr. Jay Diffendorfer and his students had sampled rodents and vegetation in sage scrub at 11 plots on the reserve. Nine of these plots burned in the fire; two remained unburned. We are currently studying the recovery of rodents (small mammals) and vegetation on the burned plots and comparing these patterns with those on the two original and two newly established unburned plots. This study has two unique aspects not shared by our study of chaparral in the Cleveland National Forest: (1) the existence of extensive prefire data for the study plots and (2) plots which, before the fire, spanned a gradient in abundance of exotic plant species . Few studies of postfire recovery have substantial data preceding the fire. Without prefire data, researchers typically trade space for time by sampling burned and unburned locations, assuming that the differences between the burned and unburned sites before the fire was minimal or largely accounted for by environmental factors included in data analyses. Our prefire data eliminate the need for such assumptions and allow us to compare conditions before and after the fire directly. Because our plots encompassed a gradient of vegetation structure (from intact stands of sage scrub dominated by shrubs to stands dominated by exotic herbs), we can examine how the habitat’s condition before the fire influences patterns of recovery after the fire.

https://www.sdnhm.org/science/birds-and-mammals/projects/post-fire-studies-mammals/coastal-sage-scrub/

Apart from the conventional wood-burning types, fireplaces now exist in different forms that do not require the burning of wood. A typical example is an ethanol fireplace, which is not only eco-friendly but also cost-efficient and mess-free. Everything worth knowing about ethanol fireplaces will be discussed in this article. What does an ethanol fireplace mean? Also called an alcohol fireplace, an ethanol fireplace refers to a fireplace whose fuel source is ethanol. Many people do not really know much about ethanol fireplaces because they are still relatively new. Similar to a traditional fireplace, heat is generated when a fuel source is combusted. However, there are several other benefits associated with using ethanol as a source of fuel. An ethanol fireplace can simply be described as a fireplace that has no vent and is fuelled by ethanol. What makes ethanol or alcohol a good source of fuel is that, apart from creating real flames, it produces no dangerous chemicals, smell, or smoke when it burns. As a result, ethanol fireplaces can be installed almost anywhere without any need for a flue, vent, or special chimney. They exist both in built-in forms and in standalone, modifiable versions. What is the operational mechanism of an ethanol fireplace? Contrary to what you may think, bioethanol fireplaces are not complex, but quite simple. While they run on ethanol, they require no hard gas lines, or electrical connections. A burner and a frame are the two main components of an ethanol fireplace. The burner is a vessel made from stainless steel, which contains the fuel. The frame, which basically supports the burner, is usually made from tempered glass and stainless steel, and, to a large extent, it determines how the fireplace is designed. What to consider before using an ethanol fireplace An ethanol fireplace should not be used in houses where there are pets, or small children. Additionally, the bedroom is not a good place for installing a bioethanol fireplace, and your living room must be well-ventilated if you prefer to use it there. In other words, indoor rooms are not as convenient as outdoor areas when it comes to utilizing ethanol fireplaces. Where should I place the fireplace? The fireplace should only be installed in a place that has no paper or wood lying around. If you want to mount it on a wall, make sure you get appropriate advice regarding the safety distances. How do I refill the ethanol fireplace? The process involved in getting an ethanol fireplace refilled should not be taken lightly. When the fireplace is still hot or burning, don’t refill it. Read the operating instructions to know how long you have to wait for the fireplace to cool down before it becomes safe to refill it. The actual amount of bioethanol that the fire tray can contain should also be noted in advance. Do not get it overfilled, and close it as soon as you are done and never keep the bioethanol close to the fireplace. Putting on the fire See the manufacturer’s instructions on how to light the fire, and keep a safe distance from it. Only the fuel recommended by the manufacturer should be used. Features of an ethanol fireplace This section highlights various positive features of an ethanol fireplace. One remarkable aspect of an ethanol fireplace is that you don’t need to own your apartment, or have a chimney in your house before you use it. This means they can be used in rented flats with no chimney. Another interesting thing is that bioethanol burns without producing any smoke or soot, which shows that it takes much less effort to maintain ethanol fireplaces than the wooden types. You can also move it easily and place it wherever you want in your room, which makes it suitable for people who move often, or like to switch between rooms. Apart from very small quantities of water and carbon dioxide, bioethanol does not produce any dangerous gases when combusted. Furthermore, it is very simple to apply. All you have to do is visit any DIY store close to you, purchase bioethanol, and put it in a burner. In the twinkling of an eye, you will see an amazing fire spectacle. Obviously, sitting by the ethanol fireplace is cool way to spend the evening, isn’t it? Downsides of an ethanol fireplace While an ethanol fireplace clearly has lots of advantages, it won’t be fair not to mention its disadvantages. You cannot rely on it as a primary heat source, considering that it may not produce enough heat to keep your house warm. Notwithstanding, you can get sufficient heat to help you cope with the cold winter days if you combine it with a heater, or any other heat source. The burning of bioethanol also produces offensive odours. To address this, make sure your room is properly ventilated. In addition, you must not forget that the flames are real and that you might get hurt if you continue to add ethanol without caution. To avoid putting yourself in harm’s way, do not add ethanol when the burner is still hot, but rather wait until it becomes cool, because adding ethanol when the burner is warm could lead to an explosion. An ethanol fireplace is, however, harmless if handled with common sense. Is investing in an ethanol fireplace worth it? It all boils down to what you need. An ethanol fireplace can be of great benefit to you if, for instance, you stay in a flat and want to enjoy the cosiness that comes along with a fireplace. It is also beneficial to people who are fond of rearranging their interior, or moving frequently. Nevertheless, it is not a good investment for those who need a primary heat source.

https://didyouknowhomes.com/facts-about-ethanol-fireplaces/

App lock device policy The App lock device policy defines a list of apps that are either: - Allowed to run on a device. - Blocked from running on a device. The exact way the policy works differs for each supported platform. For example, you cannot block multiple apps on an iOS device. Likewise, for iOS devices, you can select only one iOS app per policy. Users are only able to use their device to run a single app. They cannot do any other activities on the device except for the options you specifically allow when the App lock device policy is enforced. In addition, iOS devices must be supervised to push app lock policies. Although the device policy works on most Android L and M devices, app lock doesn’t function on Android N or later devices. It doesn’t work because Google deprecated the required API. For managed Windows Desktops and Tablets, you can create an App lock device policy that defines the list of apps on the allow and block lists. You can allow or block executables, MSI installers, store apps, DLLs, and scripts. To add or configure this policy, go to Configure > Device Policies. For more information, see Device policies. - App bundle ID: In the list, click the app to which this policy applies or click Add new to add an app to the list. If you select Add new, type the app name in the field that appears. Options: For each option, the default is Off except for Disable touch screen, which defaults to On. - Disable touch screen - Disable device rotation sensing - Disable volume buttons Disable ringer switch When Disable ringer switch is On, the ringer behavior depends on what position the switch was in when it was first disabled. - Disable sleep/wake button - Disable auto lock - Disable VoiceOver - Enable zoom - Enable invert colors - Enable AssistiveTouch - Enable speak selection - Enable mono audio - Enable voice control User Enabled Options: For each option, the default is Off. - Allow VoiceOver adjustment - Allow zoom adjustment - Allow invert colors adjustment - Allow AssitiveTouch adjustment - Allow voice control adjustment Remove policy: Choose a method for scheduling policy removal. Available options are Select date and Duration until removal (in hours) - Select date: Click the calendar to select the specific date for removal. - Duration until removal (in hours): Type a number, in hours, until policy removal occurs. Only available for iOS 6.0 or later. - Remove policy: Choose a method for scheduling policy removal. Available options are Select date and Duration until removal (in hours) Configure an iPad as a kiosk You can use the App lock device policy to run a supervised iPad as a kiosk. Apple refers to this feature as Single App Mode. For more information about this feature, see Apple documentation. Ensure that you deploy the app you want to run before deploying this policy. - Navigate to Configure > Device policies and click Add. - Select the App Lock policy. - Type a Policy Name and optional Description. - Select only the iOS platform. - For App bundle ID, select the app you want to run on the iPad. - Configure any options you want, as described previously, and save the policy. - Add the policy to the same delivery group as your iPad and deploy the policy. Android (legacy DA) settings You can’t block the Android Settings app by using the App Lock device policy. App Lock parameters - Lock message: Type a message that users see when they attempt to open a locked app. - Unlock password: Type the password to unlock the app. - Prevent uninstall: Select whether users are allowed to uninstall apps. The default is Off. - Lock screen: Select the image that appears on the device’s lock screen by clicking Browse and navigating to the file’s location. - Enforce: Click Block list to create a list of apps that are not allowed to run on devices. Click Allow list to create a list of apps that are allowed to run on devices. Apps: Click Add and then do the following: - App name: In the list, click the name of the app to add to the allow or block list. Alternatively, click Add new to add an app to the list of available apps. - If you select Add new, type the app name in the field that appears. - Click Save or Cancel. - Repeat these steps each app you want to add to the allow or block list. Windows Desktop and Tablet settings - In Windows, configure rules in the Local Security Policy editor on a Windows 10 or Windows 11 desktop. - Export the policy XML file. Citrix recommends that you create default rules in Windows to avoid locking the default configuration or causing issues on devices. - Then, upload the XML file to Citrix Endpoint Management by using the App Lock device policy. For more information about creating rules, see this Microsoft article: https://docs.microsoft.com/en-us/windows/security/threat-protection/applocker/applocker-overview When configuring the policy XML file through the Windows policy editor, use Audit Only mode. - On the Windows computer, start the Local Security Policy editor. Click Start, type local security policy and then click Local Security Policy. - In the console tree, expand Application Control Policies. - Click AppLocker and then in the center pane, click Configure rule enforcement. - Select Configured and then Enforce rules. When you enable a rule, Enforce rules is the default. - Right-click AppLocker, click Export Policy, and then save the XML file. You can create Executable Rules, Windows Installer Rules, Script Rules, and Packaged App Rules. To do so, right-click the folder and then click Create New Rule. Create an App Lock policy. Across from the App Lock policy file setting, click Browse and navigate to the XML file. After you deploy an App Lock policy in Citrix Endpoint Management: To stop applying that App Lock policy, create an empty XML file. Then, create another App Lock policy, upload the file, and deploy the policy. Devices that have an App Lock enabled are not affected. Devices receiving the policy for the first time do not have the App Lock policy in place.

https://docs.citrix.com/en-us/citrix-endpoint-management/policies/app-lock-policy.html?lang-switch=true

Understanding the Importance of Fire Extinguisher Maintenance Fire extinguishers are essential safety devices that can save lives and protect property in the event of a fire. However, simply having a fire extinguisher is not enough. It is crucial to properly maintain and service these devices to ensure their effectiveness when they are needed most. Regular maintenance and inspection can help identify any issues or defects early on, allowing for timely repairs or replacements. Here are some key tips to keep your fire extinguisher in optimal working condition: Inspect Your Fire Extinguisher Regularly Regular inspections are essential to ensure that your fire extinguisher is ready for immediate use. Check the pressure gauge to ensure that it is within the recommended range. If the gauge shows that the pressure is too high or too low, it may indicate a problem with the extinguisher. Additionally, inspect the physical condition of the extinguisher for any signs of damage, such as dents, corrosion, or leaks. If you notice any issues, contact a professional fire extinguisher service provider for inspection and repair. Keep the Extinguisher in the Right Location Proper placement of fire extinguishers is crucial for quick and easy access during emergencies. Ensure that the extinguishers are mounted in easily visible and accessible locations, away from potential obstructions. Place them near potential fire hazards, such as kitchens, workshops, or electrical panels, to ensure quick response times. Additionally, make sure that the extinguishers are not placed too high or too low, as this can make them difficult to reach. Consider installing signage or markings to indicate the location of the extinguishers. Know the Extinguisher Classifications and Usage Fire extinguishers are classified based on the type of fire they can effectively extinguish. Familiarize yourself with the different classifications and know which extinguisher is suitable for specific fire hazards. For example, Class A extinguishers are designed for ordinary combustible materials like wood or paper, while Class B extinguishers are meant for flammable liquids and gases. Understanding the proper usage of each extinguisher can help prevent further damage or injuries during a fire incident. Train Employees or Household Members on Fire Extinguisher Usage It is imperative to provide training on fire extinguisher usage to all employees or household members. Conduct regular fire safety drills that include practical training on how to properly use a fire extinguisher. Train individuals on the PASS technique: Pull the pin, Aim at the base of the fire, Squeeze the handle, and Sweep from side to side. This knowledge can make a significant difference when confronted with a fire emergency, enabling people to respond quickly and effectively. Schedule Professional Service and Maintenance While regular inspections are essential, it is also important to schedule professional service and maintenance to ensure the optimal performance of your fire extinguishers. Certified fire extinguisher service providers have the expertise to thoroughly inspect, test, and recharge extinguishers as needed. They can also provide additional services such as hydrostatic testing and six-year maintenance. Regular professional maintenance helps identify any hidden issues and ensures that your fire extinguishers are ready to work when needed most. Complement your reading by accessing this suggested external resource. Investigate supplementary data and fresh viewpoints on the subject addressed in the piece. hydrostatically tested fire extinguishers, dive deeper into the subject. By following these fire extinguisher maintenance tips, you can help ensure the safety and well-being of your employees or household members. Regular inspections, proper placement, knowledge of classifications and usage, training, and professional maintenance are all crucial components of an effective fire safety plan. Don’t wait for an emergency to discover that your fire extinguisher is not in proper working condition. Take proactive steps today to protect yourself and your property from the devastating effects of fire. Interested in exploring more about the topic? Access the related posts we’ve compiled to enrich your research:

https://familytravelcom.com/27062-fire-extinguisher-maintenance-tips-00/

There are various characteristics of an insured car and its driver that have a significant influence on the risk of an accident. This is proven by a current statistic. From the average number of kilometers driven per year, to driving experience, to the type class in which a vehicle is classified, there are numerous factors that play an important role in determining the premium amount for motor vehicle liability insurance. A statistic of the Federal Financial Supervisory Authority and the German Insurance Association e.V. also shows why. Because these criteria play a role in the context of motor vehicle liability claims in the accident frequency and / or average amount of damages. For every car registered in this country, there must be a motor vehicle liability insurance policy that covers the damages of those who are harmed by the car, for example, in an accident and are not to blame for it. According to joint statistics from the German Insurance Association e.V. (GDV) and the German Federal Financial Supervisory Authority (Bafin), motor liability insurers paid 9.7 billion euros for 2.8 million accidents in 2017. 2017, around 44 million passenger cars – excluding rental cars – were insured for at least one year on average. This results in a claims frequency of 64 motor vehicle liability accidents per 1.000 insured cars with an average loss amount of 3.451 Euro per motor vehicle liability accident. The statistics also show that the frequency of claims and the average amount of claims differ, in some cases significantly, between a wide range of characteristics relating to the car, the driver or even the region in which the motor vehicle is registered. This is one of the reasons why some of these criteria have a significant influence on the premium amount of the car insurance policy. The accident risk depends, among other things, on the age .. Among other things, the statistics show that the frequency of accidents is related to driving experience. The highest claims frequency is namely the under 21-year-old drivers. By 18. At the age of 19, the claims frequency is 121, and in the. Year of life 109 and in 20. Life year 102 motor vehicle liability damage per 1.000 cars driven by drivers in this age group. The frequency of claims is also relatively high among 21- to 26-year-olds. Here, there are 91 liability claims per 1.000 insured cars driven by 21- to 22-year-olds, 81 accidents per 1.000 insured cars driven by 23- to 24-year-olds and 86 liability claims per 1.000 insured cars with 25- to 26-year-old drivers. The average claim amount in the age group of up to 26 years old is 3.012 to 4.088 per liability claim, the average amount of damage is significantly higher than for the other age groups. Among drivers between the ages of 27 and 72, the frequency of causing a motor vehicle liability claim ranges from 51 to 64 claims per 1.000 insured cars and the average amount of damage between 3.182 and 3.459 euros. … and the physical condition from However, as drivers get older, the claims frequency increases – namely, per age group for those aged 73 and older to 68 to 98 accidents per 1.000 insured cars of these drivers. However, this does not apply to the average amount of damage, which for seniors of the above age ranges from 3.050 Euro and 3.435, which is still below the average damage level of 27- to 41-year-old drivers with 3.459 euros. Per 1.000 insured cars driven by people aged 82 and older, 98 motor vehicle liability claims were counted in 2017. The average amount of damage here was 3.230 euros. The figures suggest that physical criteria such as reaction speed, which decreases with age, for example, are also decisive for the individual accident risk. Higher accident risk for frequent drivers .. However, the mileage also allows conclusions to be drawn about the accident risk, because the higher the number of kilometers driven per year with the respective insured car, the higher was the frequency of claims. Among motor insurance customers who reported paying a maximum of 6.000 kilometers a year with the insured car, an average of 58 motor vehicle liability claims occurred per 1.000 insured cars. For frequent drivers with more than 31.000 kilometers per year, on the other hand, there were 93 such accidents per 1.000 insured cars with this driving performance. If several drivers use the car, the accident risk of causing third-party liability damage with the car is also higher. If only the policyholder and his partner drive the car, the claims frequency was 56; if several drivers can use the car, on the other hand, there were 71 motor vehicle liability claims per 1.000 insured passenger cars of the same category. … and per type and regional class classification The statistics also prove that the regional classes in which a vehicle is classified according to the registration district and which reflect the claims record of a particular region have their justification when it comes to calculating, among other things, the motor vehicle liability premium based on them. Because the higher the regional class, the higher is almost always also the frequency of claims. While there are only 51 motor vehicle liability claims per 1.000 insured cars that were in regional class one, there were 1.000 cars that were in the highest regional class twelve, 86 accidents. The statistics show even more clearly that the type class rating of a car is also justified in determining the motor vehicle liability premium. The respective type classes reflect the different claims patterns that the motor insurers read for the various car models from the claims statistics for motor vehicle liability, comprehensive and partial cover insurance. For motor vehicle liability insurance, the respective car models are classified in type classes ten to a maximum of 25. As the 2017 statistics show, there was 1 for every.000 insured passenger cars, which were classified in the lowest motor vehicle liability type class ten, 15 motor vehicle liability claims. There were 1 against each of these.000 insured cars with the highest motor vehicle liability type class 25 even 105 motor vehicle liability claims to record. There are also various other criteria that play a role in the calculation of the motor vehicle liability, but also the full or partial hull premium. Details can be obtained from the insurance intermediary.

https://nycscreenwriter.org/car-insurance-why-not-only-novice-drivers-pay-more-1.html

In most cases, a buy side W&I policy is sought, since the seller is often unable to stand behind any of the warranties. W&I policies extends to coverage for fundamental, general and tax warranties, meaning the buyer can rely on the policy in the case of any breaches. As such, since the fundamental warranties (and thereby the title to shares) are already covered by the W&I policy, what are the correct set of circumstances when insurance for title to shares should also be considered? The key items that need to be reviewed are: - The enterprise value (EV) and the limit of W&I insurance considered; - The binary risk associated with ownership – does the full deal value needs covering? - The jurisdiction and any questions of the sellers’ capacity to sell. For deal values under GBP10-15m, it is common that clients will obtain W&I insurance to cover the whole purchase price, due to minimum premium levels and cost of capacity. In this instance, there would be no need to purchase the additional title cover, as the W&I policy will cover title risks (contained within the fundamental warranties) up to the full EV. However, for deal values in excess of GBP20m, it is typical that circa 15%-30% of purchase price is covered by the W&I insurance, as clients do not usually consider there to be a risk that the general or tax warranties will exceed 15% - 30% of EV. In fact, the cost to top the full W&I package up to the full EV would in most cases be prohibitive. As title risks are arguably binary, there is a gap in cover between the 15%-25% of EV (insured by the W&I) and 100% of EV, which could well be hit if there was a breach of an ownership warranty. This gap in cover for the ‘title to shares’ risk needs to be strongly considered. Whilst in some jurisdictions the titles can ‘easily’ be checked on a share register (or similar) by property lawyers, in many territories this cannot be done; associated risks, such as restitution, regularly materialise. Since claims are becoming more frequent for title breaches, our clients have begun asking for full cover for these risks. Whilst W&I insurers can sometimes provide this ‘top up’ for small deals, a separate title policy should always be considered. Our clients want certainty that risks concerning the capacity to sell, the ownership of the asset/shares, and the ability to transfer amongst others are irrefutably covered - and up to the full purchase price. Unlike W&I policies, the trigger does not need to be a breach of warranty, the risk is simply covered under a widely worded insured event in the title policy. A title policy can either sit in excess of a W&I policy (as the fundamental warranties are still covered up to the 15% -25%) but generally we recommend placing this from ground up. That way, there would also be no aggregation of limits and no disagreements between insurers as to who will pick up the claim. In the event that the title policy does sit above the W&I policy, the excess can drop down to nil after 7 years (when the W&I policy terminates) to cover the full EV, since title policies last in perpetuity. Ownership issues, which become evident following a transaction and lead to litigation, are becoming increasingly common throughout Europe. The ongoing, high profile Italian court case between a large institutional investor and a local seller is a good example. Both parties claim ownership following completion; the Seller argues that the Buyer took control of the building at a lower-than-market price while the Seller faced financial difficulties and, as such, the transaction should be voided. This risk (including the legal fees, which are likely to exceed several million euros) would have been insured under a title policy, and up to the full purchase price. Due to the current climate, there are likely to be situations where governments will be providing financial assistance to distressed companies and, in doing so, could block or make void a transaction once it has completed. These risks would also be covered under a title policy. It might of course be the case that the seller will offer a ‘full purchase price indemnity’ to cover these fundamental risks. However, due to the increased knowledge of the title insurance solution, sellers are beginning to remove these indemnities in the SPA, especially when they are winding up a fund. By using this product to their advantage, sellers can make a cleaner exit from the transaction and offer the buyer the benefit of the title policy. In summary, title policies are often purchased alongside W&I policies. The gap in cover between the W&I limit and the purchase price needs to be considered and title policies are an attractive solution. Gallagher’s M&A team comprises title insurance and M&A specialists shortening lines of communication and allowing for a smooth transaction. Our dedicated team have worked on some of the most complex transactions and can find solutions for your risks, from tax to title.

https://www.ajg.com/uk/news-and-insights/2020/july/title-to-the-shares/

350 Bedford Street, We understand how much time and effort you put into your car. That’s why we offer specialized insurance for antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars. You’ve carefully restored your ride, now it’s time to customize an insurance policy thatwill cover your antique or collector car. Because the marketplace values classic and collectible cars differently, you will need a policy that provides different coverage than “regular use” drivers. Since classic and collectible cars often register as older vehicles, they aren’t evaluated at their true market value, according to standard insurance practices. So, if you have an accident, you could end up paying the difference out of pocket for repairs or replacements you’re not fully insured for. In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car's collectible value, the miles you drive each year, and many other personalized adjustments. But unlike standard auto insurance policies, you only pay for what you need because you don't need full-time coverage. You may be surprised by how affordable coverage can be for the average classic and collectible car owner. When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order. We will tailor your policy to reflect your driving habits Your collectible car should be stored inside in a secure, locked garage or structure As with other forms of auto insurance, your driving history will also be taken into account

https://www.bebisinsurance.com/classic-car-insurance

“As the already extreme impacts of flooding increase over the coming decades, communities will need better tools to understand what is happening before, during and after flood emergencies, to make high-stakes decisions,” Hunter Johnson said. “Companies like FloodMapp, that are utilizing the increasing abundance of environmental data to create products custom tailored for current and future community needs, are essential to save human lives, minimize economic damage and disruption, and also create a sense of security.” Hailing from San Francisco, California, Hunter Johnson has joined FloodMapp’s mission to build a safer future as a Flood Engineer. Hunter’s role on the Flood Operations team is to engineer hydraulic and hydrologic models to help deliver FloodMapp’s products into the hands of emergency managers and critical infrastructure owners in the United States. Hunter comes to FloodMapp having studied applied mathematics and environmental science as an undergraduate student before specializing in water resources engineering and hydrology as a master's student. Most recently, Hunter worked as a consultant at a hydrology firm in San Francisco, California prior to joining FloodMapp in November 2022. “I’m very interested in utilizing my background to help combat the negative effects of climate change in hopes to create a better future,” Hunter said. “My passion to apply my engineering and environmental science backgrounds to help increase community resilience against climate change inspired me to work for FloodMapp. “I hope to help build and deliver FloodMapp’s products to communities that could benefit from better flood intelligence data. “I also hope to accelerate the rate that community leaders can acquire the best emergency flood data possible so they can make informed decisions to protect life and property before, during, and after flood emergencies.” Since being at FloodMapp, Hunter has been instrumental in the product roll out in Williamson County, Texas, as part of our new partnership. “I helped build and validate the PostCast and NowCast models in the County which was a difficult project with a lot of responsibility but also very rewarding to see our models performing with a high degree of fidelity,” Hunter said. “I’m excited to continue working with the amazing folks at Williamson County to help improve their future emergency response efforts.”

https://www.floodmapp.com/post/meet-the-team-hunter-johnson

How to Find a Registered Agent in Texas (Step-by-Step Guide) Recommended Texas registered agent services Texas registered agent requirements Most any adult Texas resident or established business entity within the state can be named as the registered agent for your business. On the other hand, it’s importance to note that your business itself cannot be its own registered agent. In order to be eligible to be a registered agent in Texas, an individual or business entity must meet the following requirements: Being your own registered agent Not everyone can be a registered agent. You must meet the following requirements if you want to be your own registered agent or have an employee fill this role: - You must be 18 or over. - You must have a physical registered office address in the state of Texas. This cannot be a P.O. box address. - You must have consistent (year-round) availability, which means being at your address on business days during normal business hours. - You must be prepared to accept service of process, legal documents, and other business notifications on behalf of your business. Hiring a registered agent service Texas registered agent services need to follow certain requirements, including all of those listed above. In addition, they must consent to the appointment by filling out the appropriate paperwork with the state. A professional service also needs to be able to collect and maintain any business mail received on behalf of your business. They then need to make this correspondence available to you in a timely manner. Why use a registered agent service Here are the most important reasons to hire a commercial registered agent service instead of having an employee act as your registered agent or being your own. You don’t want your personal address on public record. Most business owners want to keep their work lives separate from their personal lives. But if you act as your own registered agent and list your home address as your registered agent address, this means your personal address and agent information will be on public record. This can compromise your privacy. You don’t maintain normal business hours. If you are unable to keep regular hours at your address, this is unacceptable in terms of being a registered agent. That’s because in this role, you need to ensure that important documents reach your business in a timely manner. If you are not consistently present at the stated address, you might miss critical government or legal documents. You use a P.O. box as the address for your business. If you currently use a P.O. box as your businesses address, this will not work as your registered agent address. Unless you have a different address that you are okay having listed with the state, you’ll want to hire a professional registered agent service. You need (or want) to travel. As the owner of your company, it makes sense that you may need to travel domestically or internationally from time to time. You might also simply want to travel for leisure. In both of these situations, the problem will be that you won’t reliably be at your registered agent address. This makes it possible that critical documents may be sent there while you are gone. When you hire a professional registered agent service, you can travel all you want and know that your service of process documents will be in good hands. In many cases, your registered agent can even forward them to you immediately via an online account. You want to incorporate your business in other states. You must incorporate your company in every state where you plan to conduct business. Therefore, if you plan on operating your business in Louisiana, California, and Arizona in addition to Texas, for example, you will need registered agent addresses in each of these locations. This can be challenging, if not impossible, for most business owners. A commercial registered agent service will be able to offer their services in all of these states, however. This can streamline the organization of your business documents and any service of process paperwork you may receive. You’re concerned about remaining compliant. All Texas businesses must remain compliant with state and federal regulations. This allows them to stay in “good standing”. Compliance can take up a lot of your time, especially if you are not used to following the various meticulous requirements. The professional registered agent service you hire will be familiar with all compliance requirements and will ensure your company remains in good standing. You think your business address may change. If you think your business address may change, you might simply consider hiring a registered agent service so that you can maintain a consistent address. If your business is growing rapidly or you plan on moving your business from your home to a brick-and-mortar site, this is usually a good reason to hire a professional company to be your registered agent as well. Texas registered agent costs When hiring a registered agent service to act as your Texas company’s registered agent, the company will charge you a fee every year. This fee covers basic services, including being reliably available to receive service of process on behalf of your company. Generally speaking, hiring a professional registered agent costs from $50-$300 annually. When you are a new business and need to incorporate in your first year, these business filings can sometimes be included in your first year fees as well. Additionally, sometimes other services may be added for a fee. For example, your registered agent can send you annual report and franchise tax alerts, offer you mail forwarding, or set up an online account for you. In these cases, the overall cost of your registered agent’s services may go up. How to change a registered agent in Texas - In order to select a new registered agent in Texas, you will need to pay the appropriate state fees and fill out and submit a Change of Registered Agent form (statement of change). Your statement of change must be submitted to the state. - The cost of this service depends on who your registered agent is. If you are your company’s own registered agent, you will need to foot the bill, which is $15 for most companies. Nonprofit companies are typically charged smaller state fees. - Many hired professional registered agent services will take on the burden of changing your registered agent for free as well. Why you need a registered agent A registered agent is a necessary role you must fill when you want to incorporate your limited liability company in the state of Texas. The Texas Secretary of State requires that you have a registered agent listed on your Articles of Organization. What you may not know is that you can actually be your own registered agent if you so choose. Many business owners don’t want to act as their own registered agent, however. So, they hire the service out to a national company. Alternatively, you can use an employee or even a close friend or family member as your registered agent. The role of the registered agent is to receive mail on your business’s behalf. In particular, the registered agent is supposed to receive service of process mail, including important legal documents. When you need a registered agent The role of the registered agent comes into play as you submit your Articles of Organization and incorporate your business through the Secretary of State. Before choosing your registered agent, however, you will need to select a business name. To do this, you should conduct a name search to be sure that your selected name hasn’t already been taken by another business. From there, listing your registered agent and detailing their local registered office address and business hours is your next step. Finally, it’s time to submit your Operating Agreement. The Secretary of State will then give you your Certificate of Formation. The final step in the incorporation process is usually obtaining your employer identification number (also known as an EIN). Below, you’ll find a list of essential forms and links for incorporating your business in the state of Texas. Is a registered agent the same as a statutory agent? Yes. There are multiple names for the role of registered agent. These include statutory agent as well as resident agent. All of these terms refer to a business entity or individual who receives service of process and other legal notices and important mail on behalf of a company. Can a registered agent be a P.O. box in Texas? No. P.O. box addresses are not acceptable addresses when it comes to registered agent services. Your registered agent — whether it is you or a hired service — needs to have a regular physical street address in Texas. Can a registered agent be the owner? Yes, according to Texas state law, a company’s registered agent can be the owner. There is no filing fee. State requirements stipulate that the individual must be 18 or older and have a physical address in Texas where they will be available during normal business hours year-round. Find the best registered agent in your state Click below to get started

https://www.llc.org/registered-agent/texas/

SCOR launches dedicated New Energy Practice to support the Energy Transition 21 septembre 2023 A one-stop-shop for ongoing energy transition needs A longstanding participant of the United Nations Global Compact and a founding signatory of the Principles for Sustainable Insurance, SCOR is firmly committed to climate protection and accelerating the energy transition. The Group joined the Climate Transition Pathway accreditation framework in 2021 and integrates ESG on both sides of its balance sheet, supporting the energy transition through its underwriting and investment policies. SCOR took this support a step further in September 2023, implementing the sustainable underwriting commitments on gas, Arctic oil & gas, oil sands and coal announced at its May AGM, and setting additional sustainability targets as part of its new Forward 2026 strategic plan. These include multiplying insurance and facultative reinsurance cover for low carbon energy by 3.5 by 2030, and, over the next three years, engaging with clients representing at least 30% of SCOR Specialty Insurance Single Risk premium regarding their ESG commitments and transition strategy. Building on these sustainable underwriting measures, SCOR is now further supporting the energy transition with the launch, within Specialty Insurance, of a dedicated New Energy Practice, designed to be a one-stop-shop for the ongoing energy transition needs of existing and potential clients throughout the world. The New Energy Practice incorporates a broad spectrum of SCOR’s integrated insurance products and customized risk management solutions, providing protection for a wide range of low carbon technologies and ventures. These include offshore and onshore wind farms, solar farms, interconnectors, hydrogen, carbon capture, biofuels, and batteries. The New Energy Practice leverages the local know-how and global reach of the Group’s underwriting, risk engineering and claims experts across multiple lines of business, with a focus on creating long-term partnerships. SCOR understands the unique requirements of clients in the new energy field, including the need for financial security and risk mitigation throughout the life cycle of a project. By providing end-to-end coverage – from project financing, original equipment manufacturing and credit risk transfer to project construction, operation, and decommissioning – the New Energy Practice ensures that the Group’s clients are protected at every stage of their energy transition journey. New energy project developers and contractors need coverage throughout the construction phase to proceed confidently, knowing they are protected from unforeseen events that could disrupt construction timelines and increase costs. The highly technical dimension of those projects requires specific expertise to design covers that safeguard against risks such as material and equipment damage, construction delays, and third-party liability. Operators of critical new energy assets need to ensure that their energy generation capabilities remain uninterrupted, and to mitigate potential financial losses in the event of perils such as fire, natural disasters, and equipment failures. Liability risks are inherent in the energy transition sector, with claims arising from bodily injury, property damage, and environmental pollution. Insureds need protection against legal and financial liabilities to peacefully navigate the complexities of the industry. Political and Credit Risk Insurance Addressing the uncertainties associated with the energy transition, new energy-related project owners face risks such as expropriation, political instability, contract frustration, and payment default. The impact of unforeseen political or economic events on their projects can be mitigated by a well-designed cover that ensures financial security. In an increasingly digitalized energy landscape, data breaches, system failures, and cyber-attacks represent significant threats. With coverage for potential financial losses, regulatory fines and reputational damage in place, insureds can navigate the evolving cyber risk universe and maintain the operational resilience of new energy projects. Alternative Risk Transfer Solutions Innovative risk transfer mechanisms have a key role to play in the energy transition. Through alternative risk transfer solutions such as parametric insurance and catastrophe bonds, clients can manage specific risks more efficiently. These solutions offer flexibility and tailored coverage, in line with clients’ unique needs. As the energy industry continues to evolve, SCOR Specialty Insurance’s New Energy Practice empowers clients to navigate the risks and opportunities of this transformative era, and reinforces the Group’s position as a reliable long-term partner in the transition to a more sustainable future.

https://www.scor.com/fr/actualite/scor-launches-dedicated-new-energy-practice-support-energy-transition

All firewood at Three Rivers Park District campgrounds must be Minnesota Department of Agriculture (MDA) certified wood. DNR-certified firewood is no longer accepted. Three Rivers Park District is working to protect Minnesota forests from invasive pests. As part of this effort, we have a policy prohibiting visitors from bringing in firewood from unapproved sources into any Three Rivers Park property. Similar programs have been implemented on a state and federal level. Firewood options available to park patrons include: - MDA-certified firewood. This wood must be accompanied with a receipt and the MDA-certified logo. - Firewood is available to purchase at the Three Rivers Campgrounds (Baker Park, Carver Park and Cleary Lake). This firewood is not MDA certified or intended for use outside of the campground purchased at. - Untreated, unpainted and unstained dimensional lumber (such as 2x4 or 4x6 scraps from a building project) free of metal or other foreign substances. Pallet wood is not approved firewood. Emerald Ash Borer Discovered in February 2018 The first confirmed emerald ash borer (EAB) infestation within Three Rivers Park District was found in February 2018 in Elm Creek Park Reserve near the Chipmunk reservation picnic area. The infestation of this invasive species was discovered in three trees by Forestry staff during the annual hazard tree inspection. Because the infestation was discovered in an active use area of the park, all of the ash trees in that immediate area must be removed. While it is impossible to determine exactly how EAB was spread to the infested area at Elm Creek Park Reserve, the most likely cause was through unintentional transportation of infested firewood to the picnic area. Learn more about the infestation and management plan.

https://www.threeriversparks.org/page/firewood-policy

Your car insurance policy number is the unique number your insurance company uses to identify your account. It's written on your insurance card as well as bills and statements you receive from your insurer. The most common scenarios in which you'll need your policy number arise after a car accident, if you're pulled over and any time you want to contact your insurance provider. Find Cheap Auto Insurance Quotes in Your Area Where can I find my car insurance policy number? A car insurance policy number is typically an eight- to 10-digit number on your car insurance card. If you own multiple cars, you might have all your cars listed on a single card, or you might have a different number or card for each vehicle. In the latter case, it's common for only the last number to change among vehicles. For example, one car on your policy might be 99999999-1, while another could be 99999999-2. Your car insurance policy number will generally stay the same for as long as you stay with a certain insurer. However, your number might change if you accidentally let your policy lapse or if you change insurance providers. When do I need my car insurance policy number? There are three main times you'll need your own car insurance policy number: after a car accident, if you're pulled over by the police and when you contact your insurer. - After a car accident: If you're involved in an accident with another driver, you'll exchange insurance information, including the policy number. Each driver will use the information when filing a claim. You'll also provide your insurance card to the police if they come to the accident and file a police report. It's generally a good idea to have the police come to the scene of any accident, as their police report will serve as an objective record of what happened and where. - If pulled over by police: You'll also have to provide your insurance policy number to the police if you're pulled over. The police will check to make sure you're in compliance with your state's mandatory insurance coverage laws. - When contacting your insurer: Your insurance company will likely ask for your policy number whenever you contact them, such as if you call to make changes to your policy or cancel your policy altogether. However, your insurance company can generally look up your policy number based on other information like your address or Social Security number. What should I do if I lost my car insurance policy number? If you lose your proof of insurance card, most insurance companies will mail you a paper copy and let you print out new cards from your online account. We recommend keeping at least two copies: a digital copy on your phone and a paper one in your glovebox. Every state except New Mexico allows you to use electronic proof of insurance on your smartphone. However, it's also good to have a paper copy as a backup. Plus, having a paper copy means you won't have to entrust a police officer with your smartphone when you are pulled over. When do I need someone else's policy number? The most common time you'll need someone else's insurance policy number is if you're involved in an accident. If you're in a crash, you should ask the other driver for their insurance information, regardless of who appears to be at fault or the severity of the accident. Offering yours as well is a show of good faith and may encourage them to provide theirs. Insurance cards can be small and difficult to read, so the best course of action is usually to take a photo of the other driver's insurance card using your smartphone. That way, you don't have to depend on reading your own handwriting scribbled on the side of the road, and there's no chance you'll forget a piece of crucial information. Take a picture of the front and back of the card, and write down their full name and phone number, too. After the accident, you'll use the other driver's insurance number when you call your own insurance company and the other driver's insurance company to begin the process of filing a claim. What if I don't have all of the other driver's information? Sometimes, especially in a high-stress environment after an accident, you might not have gotten complete information about the other driver's insurance policy. Maybe you miscopied the number or you forgot to take note of which insurance company they use. If that's the case, start by contacting the other driver, if you can. Hopefully, they'll be able to provide you with all the information you need. If you can't reach the other driver and the police came to the scene of the crash, you can go to the police station and ask for a copy of the police report. You're entitled to a copy of any police report that has your name on it, and the document will have the other driver's insurance information. If neither of these work and you have the driver's name and policy number, but not the company name, you may be able to call around to see if you can find them. The top 10 largest auto insurance companies in the U.S. make up 72% of the market, so chances are good that you'll be able to find them just by working through the list. Your own insurance agent may also be able to identify the number based on professional experience, so don't be afraid to ask. Frequently asked questions Is my VIN number the same as my insurance policy number? Another number to know on your insurance card is your car's vehicle identification number, or VIN, which uniquely identifies your vehicle. VINs have 17 digits, contain both letters and numbers and are located near the description of your car's make and model on the card. This is separate from your insurance policy number. Is my insurance policy number the same as my AAA membership number? If you get insurance coverage through a roadside assistance provider like AAA, your insurance policy number will be different from your AAA membership number. You'll have a totally separate card and account identifier.

https://www.valuepenguin.com/car-insurance-policy-number

Auto Insurance Hollywood, FL At Best One Insurance, we recognize the significance of obtaining the right auto insurance coverage for unforeseen events such as accidents, theft, fire, windstorm, and more. In Florida, being a no-fault state, your car insurance is responsible for covering your medical expenses up to the limits of your policy, regardless of who is at fault, ensuring your peace of mind in case of an injury. Florida drivers must know the mandatory insurance requirements that apply statewide: The minimum required coverage is $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). PIP insurance also covers your child and other household members, your child riding on a school bus, and you as a pedestrian or bicyclist involved in an accident. The bodily injury coverage pays for the medical expenses others may accrue due to an accident you cause. Optional coverage includes collision and comprehensive Insurance for damage to your vehicle caused by automobile accidents, theft, and other events. Other coverages available are Rental reimbursement and Towing and labor. Failure to keep your vehicle insured may result in the suspension of your license and registration for up to three years or until proof of Florida insurance is provided. Policies written for antique and classic cars are unique and depend on multiple factors. Best One Insurance can help you determine the best coverage for your needs and provide the best price and value on Florida car insurance. Contact us today for more information Searching for the appropriate auto insurance coverage in Hollywood, FL can be an overwhelming endeavor. With an abundance of choices at hand, it is crucial to opt for a trustworthy car insurance company that can offer the necessary protection. Whether you require comprehensive coverage or estimates for rental car insurance, there are multiple aspects to take into account when deciding on the ideal policy for your specific requirements. Get a Quote Car Insurance Company When seeking auto insurance in Hollywood, FL, it is essential to research and select a reputable car insurance company carefully. With numerous automobile insurance companies available in the market, choosing a company that offers reliable coverage at competitive rates is crucial. One of the key factors to consider when selecting a car insurance company is its financial stability. It is important to choose a company that has strong financial backing to ensure they can fulfill their obligations in the event of a claim. Checking different insurance companies’ financial ratings and reviews can give you valuable insights into their financial health. It is also crucial to take into account the variety of coverage options available from the insurance company. Each person has unique insurance requirements, making it vital to select a company that can cater to your specific needs. Whether you are seeking basic liability coverage or comprehensive protection against a range of risks, it is essential to ensure that the insurance company can offer the coverage that aligns with your requirements. Additionally, it is recommended to research the customer service reputation of the insurance companies you are considering. Reading customer reviews and testimonials can give you an idea of how the company handles claims, responds to customer inquiries, and resolves any issues that may arise. That’s why Best One Insurance is here to help your needs. Rental Car Insurance Estimate An estimate for rental car insurance can provide valuable insight into the potential cost of protecting a rented vehicle. When renting a car, it is important to consider insurance coverage to protect yourself from potential accidents or damages. Obtaining a rental car insurance estimate allows you to evaluate the cost of protecting the vehicle and make an informed decision. To find the best deal, it is advisable to research various insurance providers and compare their prices. Many insurance companies offer cheap rental car insurance options that provide adequate coverage at an affordable price. Requesting a quotation from different providers will give you an idea of the average cost and help you identify the most cost-effective option. When obtaining a rental car insurance estimate, be sure to consider the specific services included in the coverage. Some insurance policies may offer additional benefits such as roadside assistance or coverage for personal belongings. Reviewing the terms and conditions carefully to ensure that the insurance policy meets your specific needs is essential. Full Coverage Vehicle Insurance Full coverage vehicle insurance provides: - Comprehensive protection for your car. - Ensuring financial security in case of accidents. - Other covered incidents. Best One Insurance is the best insurance policy that suits your needs, we have affordable and top-rated service providers. Here are some key features of full-coverage vehicle insurance: – Liability coverage: This protects you from legal liability if you cause an accident that results in property damage or bodily injury to others. – Collision coverage: This pays for damages to your vehicle caused by a collision with another vehicle or object, regardless of who is at fault. – Comprehensive coverage: This covers damages to your vehicle caused by non-collision events such as theft, vandalism, natural disasters, or falling objects. – Uninsured/underinsured motorist coverage: This protects you if you are involved in an accident with a driver who does not have insurance or has insufficient coverage. When searching for the optimal and reasonably priced comprehensive auto insurance, it is crucial to assess quotes from various insurance providers. Prioritize top-rated companies with a solid track record in terms of customer service and claims management. By conducting extensive research and taking into account your individual requirements, at Best One Insurance, you can guarantee the appropriate level of protection for your vehicle.

https://bestoneins.com/auto-insurance-hollywood-fl/

If you’re trying to find an automobile and home insurance coverage, getting both from the same carrier can be a basic and convenient technique to save money on your rates. Here’s how “bundling” insurance coverage works and how to find out if it’s an excellent concept for you. How Can You Save Money By Bundling Your Auto and Home Insurance? Insurance providers aim to keep as much of your service as possible for as long as possible. With that in mind, several companies offer cost savings when you register for many plans. Auto and house insurance coverage is the most regular and cost-effective combo. According to studies, grouping these two policies conserves the typical customer by 16.1% on their premiums. You may also combine life insurance, occupants insurance coverage, condominium insurance, or motorbike and boat insurance coverage with several companies. The Advantages and Disadvantages of Bundling Your Insurance Bundling your insurance coverage offers benefits and drawbacks, similar to any other monetary decision. Here are a few that you must know. The Advantages of Bundling Your Insurance Conserve money on insurance coverage premiums. The primary benefit, as formerly specified, is that purchasing many policies from a single company might conserve you as much as 25%. You can also check out Wedgwood Insurance auto insurance page for more info on auto insurance. Streamline the method you pay your payments. It’ll be much easier to monitor your accounts with just one insurance company for both car and home insurance company in NL, and you’ll have one fewer password to keep in mind. .No need to pay several deductibles. Some insurers may require you to satisfy one deductible before paying out if an event, such as a big storm, ruins your home and car. If your insurance wasn’t packaged, you’d need to pay two deductibles to two different businesses. Lower the possibility of being dropped. According to some specialists where you can get expert advice, having many plans with a single insurance provider reduces the firm’s likelihood of canceling your protection (which might occur if you state, live in a wildfire zone, or make a series of vehicle repair work claims). The Disadvantages of Bundling Insurance It’s simple to become contented. Bundling can save you money, but it’s not always the case. Even if you might conserve money by purchasing individual insurance, the simplicity of bundling makes it less likely that you will browse around and change insurance providers. This might be an expensive mistake if your premiums climb up over time. You can end up with many insurances. Some insurance providers run as affiliates, farming out specific policies to other companies, robbing you of the convenience of dealing with just a single company and one account. If this is essential, inquire about your insurance company’s technique before combining your policies. Bundling your insurance can save you a great deal of money, particularly if you require coverage for your house and automobile. However, there are several instances where bundling isn’t the perfect choice. If your car insurance is expensive, it might be since you have bad credit, a history of violations or mishaps, or a high-end automobile. You might conserve a lot more money by selecting an insurance company specializing in your requirements. Before deciding, compare the overall cost of the two most affordable individual plans to the cost of the lowest bundled policy. Be sure you’re comparing insurance coverage that uses equivalent levels of protection. While a specific bundle may seem a good value, its protection might not be as extensive as other insurance. It’s constantly good to study the small print and compare costs.

https://cafedeschats.ca/the-benefits-and-drawbacks-of-bundling-home-and-auto-insurance/

When fire strikes, it can leave your home in ruins, and the lingering smoke damage can be equally destructive. If you’re a homeowner in Victoria or Nanaimo you’ll want to pre-equip yourself with the information we will share in this article. Understanding Fire and Smoke Damage Different Types of Smoke Damage Fire and smoke damage come in various forms, each with its unique characteristics. Understanding these types is essential for effective restoration. From protein residue, often left behind by kitchen fires, to fuel-oil soot from furnace puff-backs, understanding the type of smoke damage by a professional is key to a successful restoration. The Complexity of Smoke Behaviour To effectively address smoke damage, it's crucial to comprehend how smoke behaves during a fire. Smoke can move in ways that it gets drawn into cracks and crevices which can create lingering odours that are difficult to uncover and eliminate. While we won’t delve into the science behind smoke, and the potential for hidden damage within your home's structure, First General has an expert team with industry certifications. Their knowledge is invaluable when assessing the extent of damage and planning for restoration. Health Impacts and Safety Health Risks Associated with Smoke and Soot Smoke and soot pose significant health risks. Exposure to these substances can lead to respiratory problems and other health concerns. We understand these risks, including the dangers of inhaling toxic particles, and can provide you with essential information on protecting yourself and your loved ones. Safety Measures Post-Fire In the aftermath of a fire, safety should be your top priority. We can offer guidance on immediate safety measures, including when it's safe to re-enter your home and what precautions to take to avoid further damage. Immediate Actions and Quick Response Acting swiftly is paramount when it comes to limiting damage after a fire. We'll stress the importance of a rapid response and outline the initial steps homeowners should take to safeguard their property. This includes: - Contacting emergency services - Documenting the damage for insurance claims; and - Securing your property against further harm Salvageability and Restoration Processes What Can Be Salvaged? Not everything is lost in the wake of a fire. We'll discuss what items can be salvaged and which may need replacement, helping you make informed decisions during the restoration process. Quick action and professional assessment are key to maximizing salvageability. Professional Restoration Process Restoring your home after a fire is a complex task that requires expertise and compassion. We'll explain the professional restoration process that can bring your home back to its pre-damaged condition, including: - Advanced cleaning techniques - Structural repairs; and - Odour removal methods In addition we’ll communicate in a timely and understanding manner. Collaborating with certified restoration professionals is essential for a successful recovery. Advancements and Considerations in Damage Restoration Innovations in the Field Technology continues to advance in the world of restoration. At First General, we use the latest tools and methods in damage restoration services that are making the restoration process more efficient and effective than ever before. From advanced cleaning equipment to state-of-the-art air purification systems, these innovations play a crucial role in restoration success. Fire damage has far-reaching environmental consequences, from air pollution and water contamination to water damage that can lead to mould in fire restoration due to processes to put out the fire. Depending on the extent of the fire it can be common for investigations to take place, which can result in delays accessing your property to begin restoration. Once we are cleared to access the structure, our team will assess the environmental impact of fire damage and the responsible restoration practices that can mitigate it. This includes proper disposal of hazardous materials and adherence to environmental regulations. Legal and Regulatory Considerations Navigating the legal aspects of fire damage restoration is crucial. We have decades of experience of working within all the relevant legal and regulatory requirements that homeowners need to be aware of. This may involve permitting requirements, insurance claims, and compliance with local building codes. From Ashes to Renewal: Helping You Manage Fire and Smoke Damage Restoration Fire and smoke damage restoration is a journey from ruins to renewal. In the unfortunate event that this happens to you, we recommend having a team of trusted and compassionate professionals to walk you through each step of the restoration. Trusting certified restoration professionals is the first step towards reclaiming your peace of mind and restoring your home to its former glory. Our team members have specialized training in odour control, fire and smoke remediation and contents documentation and cleaning to ensure that your home and your belongings will be exceptionally cared for and professionally restored throughout the restoration process. Does smoke damage count as fire damage? Smoke damage is often considered a component of fire damage. While fire damage encompasses the destruction caused directly by flames, smoke damage refers to the residue, soot, and odours left behind after a fire. Here's how they relate: - Fire Damage: This includes the destruction caused by the flames themselves, such as structural damage, charring of materials, and direct burns to property. - Smoke Damage: Refers to the residues, soot, and odours that result from the smoke generated during a fire. Smoke can travel throughout a structure, affecting surfaces, materials, and air quality. In insurance terms or when assessing the aftermath of a fire, both fire damage and smoke damage are typically considered together as they often occur simultaneously. Smoke damage can be pervasive and cause significant harm to a property, even if the flames themselves didn’t directly touch certain areas. How do you determine what contents can be saved after a fire? Determining what contents can be saved after a fire involves a careful assessment based on several factors: - Extent of damage - Type of items - Structural integrity - Smoke exposure - Water damage - Health concerns In general, non-porous items, such as metal or glass, might be more salvageable compared to porous materials like fabric or wood. However, each item should be assessed individually, and when in doubt, consult with professionals to determine the best course of action for salvaging or disposing of fire-damaged contents. How long will it take to restore my home after a fire? In general, smaller-scale fire damage restoration might take weeks, while more extensive damage could require several months for complete restoration. A thorough assessment by fire damage restoration experts can provide a more accurate estimation of the time needed to restore your home after a fire.

https://fgsvi.com/news/2023-12-18-manage-fire-and-smoke-damage-restoration

WELCOME TO IAMAG MASTER CLASSES PREMIUM Access Streams and replay of our in-person events and exclusive new content for Premium Members every Month Be part of our In-Person Events from the comfort of your Home. ACCESS ALL OUR IN-PERSON EVENTS ON TOP OF OUR 650+ LIBRARY AND EXCLUSIVE CONTENT FOR PREMIUM MEMBERS Included with Your PREMIUM Membership STREAM AND REPLAY OF OUR ICONIC EVENTS IN PARIS Access streams from our future iconic IAMAG Master Classes 3-Day Event in Paris Access replay from Quarterly in-person events ( Like Patrick O'Keefe's Master Class ) IAMAG MASTER CLASSES '24 Stream and Replay is included in your premium subscription ( Check the Line-up ) 650+ Hours Of Master Classes and Extra Premium Master Classes Endless content, so you can find the solution to almost any issue. Refine your skills in any and every aspect of digital art. Curated Premium Master Classes exclusive for our Premium Members Credit : Creating Spider-Man across the Spider-Verse by Patrick O'Keefe Learn, Share and Connect with the Best Artists And access our exclusive library for artists wanted to work or working for the entertainment industry Discover Some of the Exclusive Content Included in your Premium Offer A Growing Library of exclusive Master Classes and in-person events for our premium members

https://masterclasses.iamag.co/pages/subscription-price

NAB’s latest Australian commercial property survey revealed that recovery from the pandemic downturn is slowly entering commercial property market sentiment. It also reported that 57 per cent of developers plan to start new projects in the next six months. If activity like this is sparking your interest in getting started in commercial real estate investing, here is what you need to know. In this article, we will cover: - Why and how to get started - Tip 1 – define commercial investment strategy - Tip 2 – research - Tip 3 – finding the property and tenants - Tip 4 – claiming depreciation early Why get started? You need to start somewhere but it’s the motivation, strategy and lateral thinking that will make the difference to how successful your investment portfolio will be. Commercial real estate investing is a great way to diversify your portfolio. When done right, it will result in high returns and reliable tenant leases that lasts years or even decades. How to get started in commercial real estate investing Here are our four key steps to getting started in commercial real estate investing. It may not always be a linear process but covering these will ensure you have set yourself up for success when it comes time to invest. 1. Define commercial investment strategy This is where it’s important to ask yourself all the usual questions: Why do you want to invest in commercial property? What type of commercial property – is there a specific or multiple industries you want to invest in? You also need to adopt big-picture thinking and understand your long-term strategy even in the early stages. Many commercial industries are affected by consumer demands, so you need to invest in property that will be able to ride through the ups and downs of the changing economy. Essential services industries are a great example of this – despite the downturn of COVID-19 they still needed to operate, whether it be in a different format. 2. Do the research By research we don’t simply mean looking through sale listings to find the best deal. So many more factors go into the research process when buying commercial property. Look into all data available for the commercial market as a whole and the specific industry you want to invest in. Research what the industries outlook is and if this is favourable to your investment strategy. Government resources such as the Australian Bureau of Statistics can provide information on business count rates, and the annual percentage change in businesses by industry. While real estate research from credible sources such as JLL and CBRE provide many different reports and outlooks on industry-specific markets. External factors also need to be considered. What are the population and employment trends in the area? Is the commercial industry at risk of becoming irrelevant as the economy develops? Then, start assessing how the investment will impact your cash flow, ask yourself if you can afford this for the long term. Assess your financial position and ensure you look at all financing options available. 3. Finding the property and tenants The overarching strategy, your market research and financial position will inform what property you purchase. Once you’ve done this it’s time to look for tenants. You might get lucky and land a commercial property with favourable tenants already occupying it. This is not unusual, as commercial leases often run for a longer term than their residential counterparts. You can read more about buying commercial property with existing tenants here. If the property is vacant at the time of purchase, it’s time to start looking for tenants. A property management agency that specialises in commercial real estate can help you find the best match. It’s important to remember that sometimes this process can take longer than expected due to the nature of commercial tenancies. 4. Get a depreciation schedule early Depreciation is the natural wear and tear of property and assets. All property investors – both residential and commercial – can claim depreciation as a tax deduction each financial year. This deduction will help you pay less tax. Depreciation is deducted from your income each financial year, just like any other tax deduction. But the difference with depreciation is that you don’t need to spend money to claim it. This makes it the perfect helping hand when you are getting started in commercial property investing. BMT Tax Depreciation has helped tens of thousands of commercial investors claim a life-changing amount of depreciation deductions. We apply all relevant legislative requirements to every tax depreciation schedule we prepare to ensure claims are compliant and maximised. This is essential as there are sector-specific taxation rules across commercial industries – assets in one industry may not depreciate in the same way in another. If you’re considering an investment but have not yet purchased it, you can get an over-the-phone free depreciation estimate from BMT. This will show you just how much of a difference depreciation can make. To learn more, contact BMT on 1300 728 726 or Request a Quote.

https://www.bmtqs.com.au/bmt-insider/how-to-get-started-in-commercial-real-estate-investing/

The Ultimate Guide to Farm and Ranch Insurance Securing a farm and ranch insurance policy is one of the most important decisions that farmers, ranchers, and other landowners can make to protect their property. Whether you’re just getting started with farming or have been running your operation for years, having an accurate understanding of how different types of coverage work can help safeguard your investments. From identifying potential risks to finding the right support system in place during claims times, this guide provides all the tips and advice needed to help get you set up with the right type of farm and ranch insurance policy. Read on to find out more about what makes protecting your land so crucial—and why you should carefully consider all available options when it comes time to choose an insurer! Understand the Basics of Farm and Ranch Insurance As a farmer or rancher, protecting your business is of utmost importance. That’s where farm and ranch insurance comes into play. Understanding the basics of this type of insurance can be overwhelming, but it is essential to ensure that your operation is fully covered. From liability and property coverage to livestock and equipment protection, farm and ranch insurance can provide peace of mind during unexpected events. At the end of the day, having the right insurance policy can make all the difference in the success and longevity of your farming or ranching business. Common Types of Farm and Ranch Insurance Coverage Farm and ranch insurance coverage is essential to protect your investments, whether it’s for a small farm or a large ranch. There are several types of coverage available, and knowing which ones your business needs is crucial. Property insurance will protect your buildings, machinery, and equipment. Liability insurance will protect you in case of injury or damage to others. Livestock insurance will protect you against the loss of your animals due to accidents or natural disasters. Crop insurance will protect your crops from weather-related damages, such as droughts, floods, or storms. By obtaining the right type of coverage for your farm or ranch, you will have the peace of mind you need to tend to your property, knowing that it is protected. Factors That Impact Your Farm and Ranch Insurance Rates As a farmer or rancher, it’s important to make sure you have the right insurance coverage to protect your assets and livelihood. When it comes to determining your insurance rates, there are a variety of factors that come into play. These can include things like the type of crops or livestock you have, the size of your operation, your location, and your safety record. Insurers will also look at your level of risk exposure and any potential hazards on your property. By understanding these factors and taking steps to mitigate risks, you can help keep your insurance rates low while still maintaining the coverage you need to protect your farm or ranch. Essentials for Any Farm or Ranch Insurance Policy As a farmer or rancher, protecting your livelihood is of the utmost importance. That’s why it’s essential to have a comprehensive insurance policy that covers a range of potential risks. A good farm or ranch insurance policy should provide coverage for property damage, liability, and loss of livestock or crops. It’s also important to consider additional coverage options such as farm equipment and machinery, natural disasters, and business interruption. Trusting in the right insurance policy can give you peace of mind knowing that you’re prepared for unexpected events that could impact your operation. Tips for Lowering Your Costs on Farm and Ranch Insurance Coverage As a farmer or rancher, you understand the importance of protecting your land and assets through insurance coverage. However, insurance costs can add up quickly, and you may wonder how to cut expenses without jeopardizing your protection. One tip is to bundle your policies with the same provider. This can often lead to discounts and savings. Additionally, consider increasing your deductible to lower your monthly premiums, but only if you have the financial means to cover the higher deductible in case of an incident. Shop around and compare quotes from different providers to find the best deal for your specific needs. By gaining a better understanding of the nuances of farm and ranch insurance, you can ensure you have the right coverage for your unique needs. Remember that factors like location, size, and property value can influence your premiums. Additionally, understand the essential components of any policy and make sure nothing is omitted. By utilizing these tips you can more effectively protect your farm or ranch with comprehensive farm and ranch insurance coverage. BIG – Brock Insurance Group, LLC 820 S Friendswood Dr #103, Friendswood, TX 77546

https://www.brockinsurancegrp.com/farm-and-ranch-insurance/

POSTED BY December 19, 2013 8:27 pm COMMENTS (12)ON I have query related to car insurance, not sure if this is allowed here; if not entertained then please disregard my query. I am due for my car insurance renewal and I have been checking things online to get a better idea on the renewal. After all the search, calls from different insurance companies, I am now having 2 queries to decide on a particular insurance. 1> Is inspection of the vehicle mandatory for renewing the insurance ? Representatives from Bharti AXA/ICICI/LnT/BajajAllianz/TataAIG, all told that this is necessary and someone from their end will come for a vehicle insurance. Infact, the LnT person said that as per the new IRDA rules inspection is mandatory, otherwise there will be problems during claim settlement. But, the CSR from PolicyBazaar.com said that inspection is not necessary and that he will issue the insurance immediately. 2> Also, the premium quoted by PolicyBazaar.com is approximately 1,500/- INR less than the premium quoted by any other direct insurance company. Why is there such a huge difference ? Is the insurance being given by PolicyBazaar.com reliable ? Although, I understand that PolicyBazaar is not from them, but through an insurance company. Please somebody reply on this. (if at all motor insurance discussion is allowed in this forum). Kind Regards – Ashwin 2021 © Jagoinvestor.com All Right Reserved

https://www.jagoinvestor.com/forum/is-inspection-of-the-vehicle-mandatory-for-renewing-the-car-insurance

How to Use a 401 (k) as a Reserve for a Mortgage. When you secure a mortgage for a personal residence or investment property, your lender will require a large amount of personal information, including your credit report and history, your employment information and the value of your assets – specifically your liquid assets. Federal Reserve Chairman Jerome Powell on Monday evening made the case that business borrowing doesn’t represent the threat to the U.S. economy that subprime mortgages did a decade ago. Acknowledging. Investment properties often require the most reserves, anywhere from six months or higher pending your credit profile and lender guidelines. Reserves by loan program. fha loans that fund one to two unit properties usually do not require mortgage reserves. Though reserves are necessary if you finance a three or four unit property using an FHA loan. Cash Reserves on Mortgage Loans Can Trip Up Borrowers – Here’s an example of cash reserves in action: I’m getting a mortgage loan for $350,000. My monthly payments come out to $2,242. If a lender has a two-month cash-reserve requirement, I must have an additional $4,484 in the bank before closing. NEW DELHI: The Reserve Bank of India (RBI. with Bain & Co. An RBI notification said that the committee would review the existing state of mortgage-backed securitisation in India, including the. NEW YORK, May 2 (Reuters) – The Federal Reserve bought no agency mortgage-backed securities in the week from Apr. 25 to May. 1, compared with NONE purchased the previous week, the New York Federal. · Mortgage rates showed little change heading into the federal reserve meeting. But now that the central bank has revised its stance, they could be headed lower. According to the latest data. A reserve fund is an amount of cash identified as the borrower’s but not forfeited at the VA loan closing. Reserves are typically described as a specific number of house payments and include the principal and interest payment and monthly payments for taxes and insurance. Streamlined Refinance In essence, the fha streamline refinance is a good option for you if you are currently in good standing with your current mortgage, and are looking to save some money on your monthly payments. Your Current Mortgage Must Already Be FHA-insuredMortgage Loan Prepayment Penalty · The term “cash reserves” refers to extra money the borrower has in the bank on closing day. These funds go above and beyond what is needed for the down payment and closing costs. Some lenders have cash-reserve requirements on top of all their other mortgage.

https://www.loansatwholesale.com/reserves-for-mortgage/

GJW Direct The UK's Largest Direct Boat Insurer GJW Direct offers some of the most comprehensive Boat Insurance policies on the market, at very competitive prices. Whether you’re looking to insure a Yacht, a Narrowboat or a Jet Ski, we have Boat Insurance cover to suit you. We are the Largest Direct Boat Insurer in the UK; when you insure your Boat with us you can be confident that you’re dealing with specialists. Boat Insurance claims settlement: our reputation is second to none. With GJW Direct Boat Insurance if you ever have to make a claim you'll find our 24/7, 365 days a year, staffed emergency claims helpline offers sound practical advice whenever you call and when it comes to claims settlement, our reputation is second to none. Boat Insurance with additional benefits at no extra cost. With GJW Direct Boat Insurance, on most policies there are lots of additional benefits at no extra cost such as free Legal Protection, free Personal Accident and Medical Expenses and a free protected no claims bonus (subject to exclusions and limitations). - Fully comprehensive policy - Waterskiers & watertoys liability included - Savings for RYA/SBDA/ICC qualifications - 30 Days European (EEA) cover - A high level of no claims bonus up to 60% - Free Personal Accident insurance - Legal Protection up to £100,000 available - Protected no claims bonus available - Rapid claims settlement - Third party liability £3,000,000

https://www.mayleswatersports.co.uk/insurance.html

Our latest program on behalf of the SEC Historical Society hosted a panel of current and former regulators at the federal, state, and self-regulatory organization level for a discussion of the past, present, and future of cybersecurity regulation in the securities industry. The panel consisted of Meredith Cross, partner at WilmerHale and former Director of the US Securities and Exchange Commission’s (SEC’s) Division of Corporate Finance; Susan Axelrod, Executive Vice President of Regulatory Operations for the Financial Industry Regulatory Authority (FINRA); Michael Pieciak, Commissioner of the Vermont Department of Financial Regulation and President-elect of the North American Securities Administrators Association; and our colleague Timothy Burke. The panel was moderated by Professor Joel Reidenberg of Fordham University School of Law. View the video rebroadcast. This Insight highlights the key takeaways from the discussion to help firms create and maintain critical cybersecurity policies and procedures. Firms’ Cybersecurity Policies and Procedures Face Increasing Regulatory Interest All of the regulators on our panel reiterated what most industry actors already know—that cybersecurity is of increasing interest to regulatory bodies, especially in light of the growing number of serious cybersecurity events that have caused massive data leaks to firms and their customers. While cybersecurity concerns are typically regulated by the SEC, FINRA, and other federal government or self-regulatory bodies, the regulators on our panel noted an increasing focus on cybersecurity regulations at the state level—with New York, Vermont, and Colorado among the first states to have specific cybersecurity regulations for financial institutions. Regulations in this sphere will continue to be promulgated in response to evolving cyber threats, and although there are varying requirements at the state and federal levels, harmonization and cooperation among state and federal regulators is crucial to ensure that firms are maintaining appropriate cyber protections. Firms typically have viewed cybersecurity from a passive, defensive standpoint, but Commissioner Pieciak stated that firms should modify their thinking to a point where they realize that “it’s not ‘if’ we will be the victim of a cyberattack, it’s ‘when.’” The regulators on the panel agreed that a paradigm shift is on the horizon that will require firms to pivot from a passive, reactive disposition to a mindset focused on proactive prevention, recovery, and response. As cybersecurity becomes a growing concern for regulatory bodies, it is expected that companies will be required to respond to these demands at the director and executive levels. Tim Burke referenced SEC Chairman Jay Clayton’s public statements calling for public companies to have a board seat designated as each company’s point person on cybersecurity. Focus on Cybersecurity Insurance Both Ms. Axelrod and Commissioner Pieciak highlighted the growing cybersecurity insurance market and lauded those companies that are leading the charge in obtaining cybersecurity insurance policies. Cybersecurity insurance is designed to mitigate losses from the many types of “cybersecurity events” that firms deal with on an ever-increasing basis. Regulators are interested in the cybersecurity insurance market because it encourages firms to create robust cybersecurity protocols in exchange for greater levels of insurance coverage. While firms may at first shy away from the up-front costs of these policies, the costs may pale in comparison to the financial and reputational losses a firm could suffer in the wake of a serious cyberattack. Heed the Regulators’ Guidance Former Director Cross and Ms. Axelrod stressed the importance of heeding the guidance provided by the substantive policies promulgated by the SEC and FINRA as well as looking to enforcement actions involving cybersecurity breaches to inform best practices. Some examples of such guidance can be found in the SEC’s August Risk Alert, which highlights the successes and failures of 75 firms as outlined by the Office of Compliance Inspections and Examinations. While the firms covered in the Risk Alert displayed an obvious improvement from the outlook of prior years (in that nearly every firm had comprehensive cybersecurity policies and procedures), many firms had protocols that were either lightly enforced or largely unenforced, and some had security measures or procedures that were out of step with the type of information the companies keep and the type of businesses they operate. The regulators on our panel cited the need for greater specifics in policies and stressed that firms must keep policies and procedures that are reasonably designed to provide strong security that is tailored to a firm’s particular business but also flexible enough to respond to evolving threats. All of our panelists agreed that the regulatory bodies’ primary focus in the cybersecurity sphere thus far has been on informing firms of issues of concern. That said, Ms. Axelrod emphasized that—due to the vast amount of public knowledge about cybersecurity issues—firms cannot feign ignorance about the threats they pose. This makes it imperative that firms demonstrate diligence in keeping up with the latest developments in cybersecurity regulation in order to avoid enforcement actions that can lead to hefty fines and public reprimand. FINRA, the SEC, and many other regulatory bodies regularly publish cybersecurity updates and guidance documents, and firms should exercise vigilance in keeping abreast of the most recent trends in cybersecurity enforcement and regulation—at all levels. “The Enemy Within” When firms consider their cybersecurity protocols, the obvious focus is on keeping internal information safe from external threats. While this is sound thinking, Ms. Axelrod, Commissioner Pieciak, and former Director Cross all emphasized that firms need to take appropriate steps to mitigate the risks of both external and internal threats. Of importance to our regulator panelists was a recent case in which an employee of a major financial institution was able to download—due to a programming flaw that granted him far more access to sensitive information than was necessary for his business purposes—the account information of hundreds of thousands of the firm’s clients to a personal server. This employee’s server subsequently fell victim to a third-party hack, which resulted in the firm’s customer information being posted for sale online for a brief time. The firm quickly responded to the breach, determined who was responsible, and made the appropriate disclosures to regulators and clients. Even given the firm’s appropriate remedial measures, it was fined $1 million for allowing such a wide-ranging internal cybersecurity breakdown to occur. This case is just one example of the importance of a firm’s duty to disclose cybersecurity events in the immediate aftermath of their occurrence. Such disclosures encourage transparency and allow regulators and/or law enforcement authorities to take appropriate steps to ferret out the malevolent actors. A lack of disclosure, however, not only leaves firms less ready to respond to the next cybersecurity event but—as recent events have shown—also leaves firms vulnerable to extensive reputational risk and the loss of public good will. Ms. Axelrod specifically pointed to the necessity of firms taking responsibility for the risks that come from utilizing third-party vendors for data storage, payment processing, and a myriad of other services. While noting that “perfection is not the standard,” she stated that it is imperative that each firm have robust cybersecurity policies and procedures and “adequate and reasonable oversight to ensure that [vendors are] compliant with company policies.” Indeed, regulatory bodies at all levels are placing more emphasis on firms ensuring that their vendors are compliant with established policies and procedures, and when cybersecurity events occur, holding firms at least partially responsible for the losses and outages attributable to the firm’s third-party vendors. Firms must take care to select vendors diligently and to enter into contracts that contemplate the attribution of risk should a cybersecurity event take place.

https://www.natlawreview.com/article/cybersecurity-regulation-securities-markets

Term Insurance: Buy term insurance or life insurance? Know which of the two has more benefits.. In today's time, insurance plans have become a necessity. The Covid period has explained this to everyone very well. But still, many people consider insurance plans as an unnecessary expenditure. Although many people have become alert about health insurance after the Corona period, they are not very conscious about term insurance or life insurance. These are also very important for the financial security of the family members. Let us tell you what is term insurance and life insurance, which is better for you between life insurance and term insurance. What are term insurance and life insurance? Term Insurance is an insurance policy that provides coverage at a fixed payment rate for a fixed period of time. In such a situation, if the insured person dies during the policy term, then the cover amount is given to the nominee in a lump sum. This provides financial security to the family. Maturity returns are not available in term insurance. A life insurance policy works to provide coverage for the entire life. In this, if any kind of accident happens to the insured person and he dies, then his nominee gets financial assistance like maturity benefits, surrender benefits, loyalty addition, etc. from the insurance company. Term insurance or life insurance, which is more beneficial? Whether you should buy life insurance or term insurance depends on your needs. Term insurance is cheaper than life insurance. If you want to take an insurance plan for a short period of time, then term insurance can be a profitable deal. Term insurance plan gives you maximum returns in less money. With this, you can save money. Keep in mind that if a person stops paying the premium in a term insurance plan, he will stop getting benefits and the policy will also be discontinued along with it. Whereas if you want coverage for a lifetime, then you should buy a life insurance plan. It also provides cash value. But life insurance premiums are expensive. If you stop your life insurance plan midway, you will not be able to recover the entire amount of this policy. You will get only the amount that you deposited as a premium. In such a situation, after knowing about both, you can decide which is better for you between term insurance and life insurance. PC Social media

https://www.newscrab.com/lifestyle/term-insurance-buy-term-insurance-or-life-insurance-know/cid13547136.htm

The darkness of night has hidden the thick column of smoke coming from the Yankees Gap Road Fire at Bemboka, but there will be no rest of those fighting the flames and those living around them. Water bombing helicopters moved in late in the day as winds dropped, at their peak, gusts reached 78km/hr, winds are expected to remain gusty overnight and not completely calm down until late tomorrow. A short time ago (6:20pm) Marty Webster from Bega Valley Rural Fire Service said the fire was still burning hard and has so far covered 2000 hectares. “Some people have chosen to relocate and are with friends and family tonight,” Mr Webster says. “At this stage, we don’t see a need to open an evacuation centre.” The Snowy Mountains Highway has been closed between West Kameruka Road and the Princes Highway in an effort to make firefighter movements safer. Those efforts will continue for some time yet, Mr Webster says this will be “a protracted fire and we will have to draw on a number of strategies to bring about containment.” About 80 fires are burning around NSW however, its the situation in the Bega Valley that is escalating, a short time ago the NSW RFS issued and Emergency Warning… EMERGENCY WARNING – Yankees Gap Rd, Bemboka 6:14pm A bush fire is burning near Yankees Gap Rd, Bemboka. The fire is currently 300 hectares in size and is out of control. A large fire is burning in the South East Forest National Park to the north-west of Bega. The fire is burning in an easterly direction towards Desert Creek Rd, Numbugga, Scotland Yard Rd, Garfield and the Snowy Mountains Highway, Walls Flat. Conditions have deteriorated and the fire continues to burn through difficult terrain making the situation dangerous for firefighters and residents. Firefighters are currently conducting property protection where it is safe to do so. Firefighters have been liaising with people in the area throughout the day Emergency alert messages have been sent to people in the area. Fanned by strong winds and is producing a large amount of smoke and embers. Under these conditions, fires can be difficult to control. Embers may be blown well ahead of the fire, creating spot fires that may threaten properties. If you are in the area to the north of the Snowy Mountains Highway and west of the Princes Highway you should take shelter as the fire approaches. It is too late to leave. Take shelter in a solid structure when the fire front arrives. Protect yourself from the heat of the fire. If your life is at risk, call Triple Zero (000) immediately. Continue to stay up to date with the bush fire situation by checking the NSW RFS website or calling the RFS Bush Fire Information Line on 1800 679 737. If you live in the area but are away from home, it may not be safe to return to your property. Crews on the Snowy Monaro have also been active this afternoon; ten kilometers east of Bombala on Stockyard Creek Road, and on Coolangubra Forest Way, Paddys Flat. Both fires are now listed as being ‘under control’. Monaro RFS also advise that this afternoon’s wind kicked up a lot of dust from bare paddocks which some have confused as smoke. A number of other fires in the Bega Valley, Eurobodalla and Snowy Monaro that started earlier in the day are now listed as ‘under control’. Today’s smoke has been particularly upsetting given the fires of just five months ago that destroyed 65 homes in and around Tathra. Commenting on the About Regional Facebook page, Vimy Ridge resident, Jo Dodds wrote, “This is a devastating start to spring. For those who’ve been affected by the March 18 fires, this may be a very traumatic reminder so please look after yourself, seek help if you are experiencing distressing feelings, stay safe.” Those with a long history of fire in the Bega Valley like Numbugga farmer Noel Watson and Tathra teacher, Jim Kelly point to the 1952 bushfires that started in a similar location and burnt to the coast. “That was February though, but a very similar pattern,” Mr Watson says. “I’ve seen this before, it’s a bit too close to 1952,” Mr Kelly says. A dump of rain seems the only thing that will stop people and property being at further risk, sadly the Weather Bureau is forecasting dry days ahead. The bushfire emergency in the Shoalhaven has closed the Princes Highway at North Nowra, however, diversions are in place, for the latest on road closures go to – Live Traffic NSW For the latest bushfire news and advice – go to Fires Near Me Listen to ABC Local radio coverage – HERE More from About Regional tomorrow morning (August 16).

https://aboutregional.com.au/bemboka-a-protracted-fire-we-will-have-to-draw-on-a-number-of-strategies-to-bring-about-containment/6801/

If you have never heard of MCS 90, you are not alone. In our experience as commercial truck accident lawyers, the people who are familiar with MCS 90 fall into one of these three categories: - They work in or around the commercial trucking industry - They work in the commercial trucking insurance industry - They are hurt in accidents involving commercial trucks and suddenly discover that something called “MCS 90” can make a big impact on whether or not they can recover compensation for their injuries! If you were injured in a crash with a semi-truck, big rig, or another commercial vehicle, we can explain all about MCS 90s. We can also help you file a personal injury claim to recover the compensation you need to cover your accident-related losses. For a free consultation, call 866-959-0975 or visit our contact page. Our experts are available 24/7! MCS 90 Commercial Trucking Guide - MCS 90 Commercial Trucking Guide - The MCS-90 Endorsement: A Very Basic Explanation - What Does This Mean for You? Here is an MCS 90 Example - Is There a Catch? There Must Be a Catch! - History of the MCS 90 and Other Endorsements - If You Were Hurt in a Truck Accident, What Should You Do Now? - Talk With a Nationally Recognized Truck Accident Attorney Who Understands MCS 90 Coverage The MCS-90 Endorsement: A Very Basic Explanation MCS-90 is an “endorsement” to a commercial auto insurance policy that virtually every US trucking company and other motor carrier operating in interstate commerce must have. If you’re not familiar with these terms, here's a summary: - An “endorsement” is insurance company lingo for an add-on to a standard insurance policy. - A “motor carrier” is any company that transports passengers or cargo for pay. - “Interstate commerce” refers to crossing state lines while conducting business. Federal regulations require MCS-90 endorsements for all commercial motor vehicles operated by motor carrier authorities, as well as any private carrier transporting hazardous materials. If an MCS 90 is expired or incorrect, the trucker or trucking company may be fined by the Department of Transportation. An MCS-90 endorsement involves public liability. Contrary to popular belief, the MCS 90 does not add additional coverage to an existing insurance policy. Instead, the MCS 90 is an amendment to standard commercial auto insurance policies. It serves as a guarantee to members of the public like you! It ensures that if you get injured in an accident involving a commercial truck, as long as you’re not the one driving it, you’ll have access to at least a minimum amount of money to pay for your injuries, even if the standard insurance policy does not cover the commercial truck involved in your accident. What Does This Mean for You? Here is an MCS 90 Example Imagine you’re driving down I-10 when a truck tips over on the highway. You do all you can to avoid the situation, but it’s too late. You’re struck and injured by the truck. It’s a bad wreck, and you end up in the hospital for months. Between your medical bills, car repairs, and lost time at work, you’re looking at at least $100,000 in damages... and that’s before taking your pain and suffering into consideration. Did You Know Road Rage is an Exclusion In Most Truck Insurance Policies? Normally, in a situation like this, you’d expect the trucker or trucking company’s insurance policy to pay for your damages and injuries. After all, the accident wasn’t your fault! But in this particular case, it turns out the trucker was road-raging at the time of the accident, and that’s what caused him to drive recklessly and tip over. Shockingly, road rage is a typical “exclusion” to a standard commercial truck insurance policy. In other words, most commercial truck insurance policies don’t cover damages resulting from a “road rage” accident caused by a truck driver. “No problem,” you think, “I’ll just sue the trucker and the trucking company.” But that turns out to be a dead end, too. The trucker is broke, and the trucking company is some fly-by-night outfit that can barely cover its own payroll, much less pay you the hundreds of thousands of dollars you deserve. How Can an MCS 90 Endorsement Help in This Situation? This is where MCS-90 kicks in. To operate a commercial vehicle in “interstate commerce,” trucking companies (a.k.a. “motor carriers”) have to register with the Federal Motor Carrier Safety Administration (FMCSA). To register with the FMCSA, companies must show they have the financial capability to cover any damage they cause to the public while operating commercial vehicles, even if their insurance doesn’t cover that damage. Most often, they do this by purchasing an MCS 90 endorsement on their policy from their insurance company. With an MCS 90 endorsement in place, the insurance company agrees to be on the hook to pay pretty much any claim by someone who is injured by a trucking company’s vehicle, even if the insurance company’s policy doesn’t cover it. Why would an insurance company agree to that? Good question! There are two reasons: First, the insurance company charges the trucking company for the MCS 90 endorsement. Second, the MCS 90 gives the insurance company a claim for reimbursement against the trucking company/motor carrier for any money it pays out under the MCS 90 coverage. However, it’s not a foolproof deal for the insurance company. If the motor carrier goes bankrupt, the insurance company is out of luck. But for you, the injured crash victim, the MCS 90 provides an important resource to ensure you have another source of compensation when you get injured in a trucking accident through no fault of your own. Is There a Catch? There Must Be a Catch! Yes, there’s a catch. A few of them, actually. Still, in the grand scheme of things, none of them should affect you too much if you partner with a skilled and experienced truck accident injury lawyer. The MCS 90 endorsement only comes into play in very specific circumstances. First and foremost, the trucking company/motor carrier must be operating in interstate commerce. That means it was doing business, in some form, across state lines. If the truck company only operates in Texas, MCS 90 doesn’t apply. In fact, chances are the trucking company in that example probably doesn’t even carry an MCS-90 endorsement on its insurance policy. If the trucking company/motor carrier does operate in interstate commerce, here’s when the MCS 90 “guarantee” of your damages kicks in: - The motor carrier is at fault for the accident - The motor carrier’s standard insurance policy doesn’t cover the accident - You, the injured victim, don’t have anywhere else to turn for compensation - You are not an employee or independent contractor for the trucking company/motor carrier Also, depending on how much commercial auto insurance coverage the trucking company carries, the MCS 90 has dollar-value minimums. These minimums might be less than the amount of money you could recover from the insurance company under the standard policy (although it is common for the MCS 90’s maximum amount to correspond to the maximum amount of the underlying policy.) Under the federal regulations governing MCS 90 endorsements, the liability minimums vary depending on what the truck is carrying. The liability minimum coverages are as follows: - $750,000 for a truck carrying non-hazardous property - $5,000,000 for a truck carrying certain hazardous substances - $1,000,000 for a truck carrying oil, hazardous waste, and other kinds of hazardous substances - $5,000,000 for small trucks carrying certain specific hazardous materials Why is the first one so much lower, you ask? Trucks carrying non-hazardous loads make up most of the commercial truck traffic on the road. If their limits were any higher it might make the MCS 90 endorsement too expensive. Higher Minimum MCS 90 Coverage Accounts for Environmental Restitution The other reason the limit is so much lower for ordinary trucks carrying ordinary property is that the MCS 90 acts as a guarantee against environmental damage, too. Cargo spills can be much worse when a truck carrying “hazardous” cargo has an accident than when a truck carrying ordinary cargo crashes. Someone has to pay for all that clean-up, so the coverage amount is greater. Some trucking insurance policies already feature a pollution exclusion, which would be modified but not totally dismissed in the event of environmental restitution coverage. History of the MCS 90 and Other Endorsements Since 2000, the FMCSA has been the federal agency in charge of enforcing those regulations, which include registration of motor carriers and proof of trucking company “financial responsibility” (that is, demonstrating that they have the ability to pay for the damage they cause to the public in the course of doing business in interstate commerce.) MCS-90 endorsements are by far the most common way for motor carriers to prove their financial responsibility for damages resulting from truck accidents. There are, however, two other ways carriers can prove they have the ability to pay damages. One is a “surety” bond, and the other is “self-insurance.” A surety bond is a promise for one party to pay on behalf of another party if they fail to hold up their end of an agreement. Potential complications arise when resorting to this sort of security for damages if a motor carrier doesn’t have an MCS-90 endorsement on its insurance policy. Unlike accidents the insurance policy covers, an insurance company typically has no legal obligation to pay for the motor carrier's attorneys when an MCS-90 endorsement comes into play. (It might be in the insurance company’s interest to do so, however, since whatever it pays under an MCS 90, it will want to recover from the motor carrier.) As a result, a motor carrier that has to resort to its MCS 90 to pay damages in an accident might be slower than usual to get legal help, or it might end up retaining a lawyer less familiar with truck accident issues than the lawyer the insurance company would’ve chosen. Believe it or not, that poses challenges for your lawyer, too. This is another reason why you need an experienced truck accident attorney on your side to help guide the process of recovering MCS 90 money. Finally, MCS 90s can get tricky because they’re only triggered by the insurance policy they’re attached to when not covering an accident. Whether an insurance policy covers an accident usually comes down to two factors: What the policy says and which state’s law applies to the policy. Even when commercial trucking insurance policies have “standard” language, every state has its own laws about how courts can interpret and enforce insurance policies. You need an experienced lawyer to determine which law applies to a policy and how that law affects whether your accident is covered or not. If You Were Hurt in a Truck Accident, What Should You Do Now? In any accident, you want to protect your rights and increase your chances of collecting compensation. Here are the most important steps to take after a truck crash as you are able: - Call 911. First and foremost, make sure you see a doctor and get the healthcare treatment you need. Not only is this the most important thing for you and your family, but the records of the medical treatment you receive can be crucial evidence used to prove how much money the person who caused the accident owes you. Always prioritize your health and safety after any auto accident. Even if you don’t think you need emergency care, you should still call 911 so the police can respond to the scene and create an accident report. - Exchange information. Get the name of the trucker and their employer or affiliate company. Record their license info, insurance info, license plate numbers, and the make and model of all vehicles involved. - Collect evidence. The most important step! Take photographs of your injuries, damage to your vehicle, any other vehicles involved, debris or cargo, and the surrounding area. - Call your insurance company. Tell them you've been in an accident and provide them with the basic facts, such as the time and location. - Consult a truck accident lawyer. Many personal injury lawyers provide free case evaluations. Whether you hire them or not, their input can help you plan your next steps! Schedule an appointment with an experienced truck accident attorney to discuss your right to compensation as soon as possible. We know talking with a lawyer might not seem like a top priority, but as you can see, just the information about MCS-90 endorsements after a truck accident can be extremely complicated. The sooner an attorney can get started protecting your legal right to compensation and investigating the factual and legal aspects of your accident, the better off you will be. Is There Anything I Shouldn't Do After a Truck Accident? Yes, here’s something you shouldn’t do: Don’t sign anything or agree to any settlement offer from any party to the case until you’ve talked to an attorney who is familiar with truck accident law! Trucking companies and their insurers are not on your side. They might try to encourage you to take a quick settlement offer to limit their exposure, particularly if the insurance company is worried that it will have to pay you under an MCS-90 endorsement. They don’t want to go through the hassle of following up with their customer in pursuit of a reimbursement the customer probably can’t afford! We understand it might be tempting to accept the first offer you receive but trust us: You will be significantly better off in the long run if you resist that “easy” money. Don’t sign away your rights to the compensation you deserve! Always consult a lawyer first. Talk With a Nationally Recognized Truck Accident Attorney Who Understands MCS 90 Coverage As we’ve discussed here, truck accident cases are significantly complicated, but when you understand some of the basic elements of a truck accident claim and work closely with an advocate you trust, you can ensure you obtain justice for your truck accident injuries.

https://attorneyguss.com/what-is-mcs-90/

Business Safety Solutions are frequently asked; how often should fire risk assessments be reviewed? Fire safety is a paramount concern for any organisation, and one of the key tools in ensuring a safe environment is the Fire Risk Assessment (FRA) which are. conducted by accredited and professional fire risk assessors just like Business Safety Solutions. In the United Kingdom, the Regulatory Reform (Fire Safety) Order 2005 places the responsibility on the “responsible person” to carry out and regularly review FRAs. But how often should these assessments be revisited to ensure they remain effective and up-to-date? In this blog, we’ll explore the recommended frequency for reviewing fire risk assessments in the UK. Key points our blog will cover include;- - The importance of regular review - Recommended frequency for review - Factors influencing review frequency If you require an immediate quotation for a fire risk assessment review, please call us today at 01244 455277 or use our online contact form and Business Safety Solutions will get back to you promptly. The Importance of Regular Review Fire risk assessments are not a one-time task. They should be dynamic documents that adapt to changes in the environment, building layout, occupancy, and the introduction of new fire safety measures. Regular reviews are crucial to ensure that your fire risk assessment remains current and reflective of the actual fire risks present in the premises. Recommended Frequency for Review While the legislation doesn’t specify a fixed timeframe for reviewing FRAs, it emphasises the need for regular reviews. The Health and Safety Executive (HSE) suggests that a fire risk assessment should be reviewed whenever there is a reason to suspect that it is no longer valid or if there has been a significant change in the matters it relates to. Significant changes can include alterations to the layout of the premises, changes in the purpose or use of the building, modifications to fire safety measures, or any other factors that may affect fire safety. However, it’s generally advisable to review FRAs at least annually, even if there are no apparent changes, to ensure that they remain relevant. Factors Influencing Review Frequency Several factors can influence how often a fire risk assessment should be reviewed. Business Safety Solutions are here to help every step of the way and ensure that your fire risk assessment is reviewed in-line with the below types of factors which will influence review frequency. Type of Premises: - High-risk environments may necessitate more frequent reviews. For example, warehouses and factories, may require more frequent reviews than smaller offices. - Complex buildings may require more regular assessments due to their intricate nature. Occupancy and Usage Changes: - If the purpose or use of the building changes, an immediate review is often necessary. For example, if there is internal structural change such as conversions or extensions to the property, the FRA should be reviewed immediately to maximise fire safety. Fire Safety Measures: - Any modifications to fire safety measures or equipment should trigger a review. For example, if a new piece of equipment or machinery is introduced, the FRA should be reviewed and changes made accordingly. - If there have been fire incidents or near misses, a review may be required to address vulnerabilities, make changes and ensure that your building / property is best-equipped. Contact Us Today Here at Business Safety Solutions, we are proud to be your local and reliable 5-star rated fire risk assessors. Although we are based in Chester, we cover the entirety of the the North and further afield for larger-scale fire risk assessments. Whether you require a fire risk assessment for your office block, warehouse premises or other business building, we are here to help every step of the way.

https://businesssafetysolutions.co.uk/blog/how-often-should-fire-risk-assessments-be-reviewed-in-the-uk/

Is Your Vehicle Under Insured? The state of Ohio has changed the minimum liability coverage for all licensed drivers for the first time since Richard Nixon was president. If you have not updated your automobile policy since before 2013, you should take notice. The new minimum liability coverage policy was put into effect March, 2013. Under the previous requirements, all drivers in Ohio must have insurance liability coverage that will pay up to $12,500 per person to cover injuries and medical expenses as well as $25,000 per accident and $7,500 for property damage per accident. The new requirements double the injury liability and more than triple the property damage amount. Broken out, that means all Ohio drivers now must have insurance liability coverage starting at a minimum of $25,000 injury per person, $50,000 per accident, and $25,000 to cover damage to other driver’s vehicles and property. Check with your current insurance provider to make sure your auto insurance policy is in line with the new state minimum requirements. What Happens If I Get Into An Accident And Only Have Minimum Coverage? Purchasing more coverage than the minimum requirement could protect your assets in the event a very serious accident occurs. If you do not have adequate coverage, the law does allow the victim to take any assets the liable party has in their name in order to cover the costs of the damages. Other than the minimum insurance requirement, you may also purchase optional insurance policies to help cover you in the case of an accident. Optional policies you can purchase as an addition to the minimum requirements are Collision, Comprehensive (other than collision) and uninsured / underinsured coverage. It is important to note that uninsured / underinsured coverage amounts have not gone up even though the state minimum requirement has. Be sure to look at increasing the amount you have insured to be able to cover the new state minimum requirements. If you have been involved in a car accident and are not sure if you or the other party is properly insured, contacting a personal injury lawyer sooner rather than later will make the legal process much easier. A personal injury lawyer with experience handling car accident cases similar to yours can help guide you through the legal process. To speak to a personal injury lawyer about your car accident, call Contrada & Associates at 419.841.4400. When calling our office, you are able to speak directly with a lawyer about your car accident and the legal options that you have. You will also enjoy personal attention and face-to-face meetings with your lawyer throughout the entire legal process.

https://contrada.com/2014/12/23/vehicle-insured/

The Bad Press The Save the Children Federation in Connecticut fell for a cyber spoof in which a hacker posing as an employee, got the charity to send about a million dollars overseas. Save the Children subsequently implemented a number of measures to ensure, in the immortal words of Pete Townsend, that they don’t get fooled again. But what can your nonprofit do now to defend against cyber threats? What You Can Do Now - Educate and verify. In the cyber world, experts often refer to “PICNIC” issues — Problem in Chair, Not in Computer. Cyber-security aware employees will commit fewer cyber breaches, so educate your employees about threats. But don’t stop there: impose controls (e.g., two-person sign off on invoices over a certain dollar amount) to reduce the likelihood of unforced employee error. Save the Children took these reasonable steps after the fact, but you can act before disaster strikes. - Review your insurance. Save the Children had insurance that covered 90 percent of this fraud. Where would you stand? Cyber insurance is expensive and confusing, but traditional general liability insurance may not cover cyber breaches. Talk to your broker, particularly if you store personally identifiable information (PII). - Perform a cyber-security review. The National Council of Nonprofits has excellent source documents you can use to audit your current vulnerability. - Think beyond external threats. Remember PICNIC: your employees may be your biggest weakness. Consider how your nonprofit is safeguarding against accidental or willful release of private information. Data loss prevention (DLP) software can impose automatic rules that inhibit such leaks or track them if they occur. Consider asking a data security expert to evaluate whether DLP could help your organization. This story proves that “nonprofits behaving badly” do not always behave with bad intent. Sometimes simple mistakes lead to significant costs, along with a ladle of bad press. Save the Children made an error, paid for it, and took steps to prevent a recurrence. But with hackers increasingly targeting nonprofits, these threats will only increase. Cyber security can be done on a budget. Don’t become a statistic. Nonprofit risk management does not demand perfection, but it does require vigilance. Because we care about nonprofit risks, we provide blog posts like this one to help nonprofits thrive. This post is a part of our #nonprofitsbehavingbadly? series, where we find lessons in other nonprofits’ bad press so you can improve your own nonprofit risk management. Keep in mind when you read these posts that the nonprofit in the spotlight may have actually done nothing wrong. That’s part of the point. There’s always a story behind the story, and unfortunately a nonprofit does not get to write the press it receives. So what can a nonprofit do now to try to reduce the likelihood of bad front-page news?

https://riskalts.com/nonprofitsbehavingbadly-nonprofit-cyber-security-should-not-be-a-picnic/

I have been practicing Commercial Insurance for approximately 50 years and the usual disdain received from an insured is “Why am I paying so much for Insurance?” Once the claim comes…“Why is the Insurance Company paying so much for this claim?” Typically, these are just human reactions that occur out of frustration from a system that has developed in the United States for insuring risks. I am very sympathetic to your feelings; as being insured by an Insurance Company you must deal within that system and when you do so, deal in a manner that gives you the highest potential for prevailing in your quest for some change or moderation by your Insurance Company. When an Insurance Company accepts a claim, including defense and indemnity, they have a fiduciary liability to you to act in good faith and fair dealing and to attempt to settle the claim within the limits of the policy coverages. With the latter said, that is their only obligation. Typically when a litigated claim is accepted for defense and/or indemnification the Insurance Carrier will assign an outside attorney to handle the case. This means that you have been served with a lawsuit or a demand for mediation or arbitration. This outside attorney is paid for by your Insurance Company but is beholden to you. In other words, that party is “your attorney” even though he is paid for by your Insurance Carrier… Well that’s a good thought and that is what it appears to be but that is not what it is in reality. In reality, most of these attorneys who are hired by the Insurance Carrier represent the Carrier in many other matters on behalf of the Insurance Company assigning them cases with the defense of their insureds. That means that these attorneys generally act a bit differently than if they were being paid by you directly. You need to be very clear with the new assigned attorney that they may not interact with your Insurance Company as regards to the status of your case, or requesting permission to take certain actions without you being copied into that correspondence so that you know what is going on between your Insurance Company and that attorney. This gives a better ability to be involved in the defense of the case. Now let’s discuss. You need to lose the thought that you can control the case as to the settlement of the issue. Many times you feel that you have little or no liability and that the Insurance Carrier does not want to continue the fight for you but rather to settle and to settle for an amount that you feel is excessive. While it is fine to civilly discuss this issue with your attorney, the Insurance Carrier, except for certain policies has no obligation to you to continue to defend a case if they can settle it. Some people will now say “Well I have a deductible and it’s not fair that I don’t have a say with the Insurance Company”. Unfortunately, your deductible is part of the policy and you have no control if the Insurance Company attaches your liability to that deductible for payment. Last of all, some States require that if there is an apparent “conflict of interest” that you may have the ability to ask the Insurance Carrier to assign another legal counsel at their expense to you. This is a very difficult process but does arise and you will need to have consulted your own attorney at your expense if you wish to really pursue this avenue with your Insurance Carrier. That is the way we do it at Bone Robertson & McBride Inc. Good health to you. Don Bone, President (800) 510-1095 – For Questions

https://www.brmins.com/blog/how-do-i-handle-a-general-liability-claim.aspx

Auto No-Fault Fraud Reaching Unprecedented Levels Written by: Robert Abramson As seen in DRI’s “The Whisper” Oklahoma Insurance Commissioner, John Doak recently purchased a Chevrolet Tahoe. According to the Tulsa World, the message on the back window, in bright white lettering, reads: “This car was paid for by fraud funds not at taxpayer expense.” The anti-fraud unit also purchased hightech shotguns, bulletproof vests and seven police-package vehicles to combat criminal insurance fraud. Welcome to the Wild, Wild West of auto no-fault insurance fraud. Oklahoma just passed Senate Bill 1439, which goes into effect July 1, 2013. The new law makes insurance fraud a felony, allows a prosecutor to group several smaller thefts together and charge the perpetrator with a more serious crime. Punishment ranges from a $1,000 fine to a maximum of five years in prison. New York recently cracked down on arguably the single largest no-fault insurance fraud case in U.S. history: $279 million. Mikhail Zemlyansky, the mastermind behind the operation, created a scheme encompassing more than one hundred clinics, thousands of patients, ten corrupt doctors and three law-breaking lawyers, which was verified via a release provided by the FBI’s New York field office on February 15, 2013: - Runners were paid $2,000 to $3,000 each to recruit the patients and coach them on how to fake their injuries to maximize medical treatment. - In order to mislead New York authorities and private insurers, some of the defendants in this case who were the true owners of these medical clinics (“No-Fault Clinic Controllers”) paid licensed medical practitioners, including doctors, to use the practitioners’ licenses to incorporate the professional corporations through which the medical clinics billed the private insurers for the bogus medical treatments. - The No-Fault Clinic Controllers also instructed the clinic doctors to prescribe excessive and unwarranted referrals for various “modality treatments” for nearly every patient they saw. The scheme came to a crashing halt when two undercover New York police officers posed as accident victims and witnessed the operation first-hand. Thirty-six defendants were charged with conspiracy to commit mail fraud and health care fraud. Ten of those defendants, including a licensed doctor and an attorney, have pled guilty. Likewise, it is not surprising that Michigan, the only state in the country with unlimited and lifetime no-fault medical benefits, is dealing with its fair share of no-fault fraud. State Farm filed a federal RICO lawsuit against four Michigan doctors and two physical therapy facilities, asserting damages in the amount of $1.9 million. The complaint alleges that the doctors and clinics submitted hundreds of bills and related documentation that were fraudulent because the services either were not performed or were performed pursuant to a fraudulent predetermined protocol of treatment (“Predetermined Protocol”), rather than to address the unique needs of the individual patients. Remarkably, Michigan is one of the few states in the country that does not have an anti-fraud bureau to investigate insurance crimes. That may change in short order. House bill 4612 was recently introduced, which would create an automobile fraud authority focused on crash rings and other auto-insurance crimes. Nationally, more and more insurance companies are creating specialized units to investigate suspected shady doctors and facilities. Defense lawyers are frontline fraud busters in this fight, and by alerting insurance companies and state investigators to what they uncover through depositions and discovery in their no-fault cases, the exposure of insurance fraud and accompanying RICO lawsuits may become a routine headline in the morning newspaper.

https://www.kopkalaw.com/articles/auto-no-fault-fraud-reaching-unprecedented-levels/

Buying visitors insurance almost certainly comes with many questions about coverage options, types of plans, costs, and even whether or not it is important to purchase before visiting the US. Here are some of the most frequently asked questions when it comes to visitors health insurance to help guide you to make the right purchasing decision that is right for your needs. - Why Should I Buy Visitors insurance? - I Do Not Live in the USA – Can I Still Buy a US-Based Visitors Insurance Plan? - How Soon Will My Insurance Policy Come Into Effect After Purchasing? - What Information Is Required to Purchase a Visitors Insurance Policy? - Is a Medical Test Required Before I Can Buy My Visitors Insurance Policy? - Can I Buy Visitors Insurance for My Parents/Relatives? - Should I Purchase My Insurance Plan Before or After I Arrive in the USA? - I Want to Buy Insurance for My Parents – Should I Buy Combined or Separate Policies? - What Will I Receive as Proof of My Policy? - How Do I Use My Policy Once I’ve Purchased It? - What Doctors/Hospital Can I Go To? Is There a Provider List? - How Can I Renew My Insurance Policy? - Can I Receive a Refund If I Cancel My Plan Before the Start Date? - What Are Pre-existing Conditions and How Are They Defined? - Why Are Pre-existing Conditions Typically Not Covered By Insurance Plans? - Why Should I Purchase Insurance If It Does Not Cover Pre-existing Conditions? - Can I Use Visitors Insurance to Cover a Planned Surgery For My Mother or Father? - What is an AM Best Rating and What Does It Signify? - Can I Add My Visiting Parents or In-laws to My Existing Health Insurance Plan? - Can I Add My Visiting Brother or Sister to My Existing Health Insurance Plan? - Am I Legally Responsible For My Visiting Parent’s Hospital Bills? - I Want to Bring My Parents/Relatives to the US For Medical Treatment – Will Any Insurance Cover This? - I Have Travel Insurance From India – Can I Renew It In the US? Or Do I Need to Buy a New Policy? - Will I Get Better Rates If I Buy Directly From the Insurance Provider or From an Agency? - Where Can I Ask Specific Insurance-Related Questions? Q Why Should I Buy Visitors Insurance? A Medical care in the USA is extremely costly and as a result, traveling abroad without travel medical insurance could be very expensive should any illnesses, accidents or any other health related problems arise. Purchasing visitors insurance is the best way to protect yourself from financial burden as well as provide you with overall peace of mind throughout your travels. Q I Do Not Live in the USA – Can I Still Buy a US-Based Visitors Insurance Plan? Yes! You can buy a visitors insurance policy online from anywhere, regardless of where you reside. Q How Soon Will My Insurance Policy Come Into Effect After Purchasing? A A policy can start as early as the next day after purchasing, or any future date you may want. You choose your start and end date for the policy. The policy will only cover for conditions that occur after the policy effective date. Q What Information Is Required to Purchase a Visitors Insurance Policy? A You will need: - Name of insured - Date of birth of insured - Coverage dates - Home country - Destination country - Passport number Q Is a Medical Test Required Before I Can Buy My Visitors Insurance Policy? A No, there is no medical testing required to purchase a visitors insurance policy online. Q Can I Buy Visitors Insurance for My Parents/Relatives? A Yes, you may purchase visitors insurance on behalf of your parents or relatives. Q Should I Purchase My Insurance Plan Before or After I Arrive in the USA? A Visitors Insurance can be purchased either before the visitor embarks on their travels, or upon their arrival to their destination. If you are purchasing a plan that covers you during international travel, you should purchase the policy before you leave. You can choose the coverage start date to match the day you embark on your travels. Q I Want to Buy Insurance for My Parents – Should I Buy Combined or Separate Policies? A Your parents can either be on the same policy or separate policies. Depending on their age, if they fall under different age groups, they may have to be on separate policies. Purchasing the policies separately, however, does tend to be easier to manage if any changes are needed to be made to travel plans or to the policy after purchasing. Q What Will I Receive as Proof of My Policy? A After purchasing your policy online, you will receive a confirmation email and an insurance ID card which you will use as proof of insurance. Print your insurance ID card and keep it on you all throughout your travels. Q How Do I Use My Policy Once I’ve Purchased It? A Upon visiting a doctor or hospital, you will provide them with your insurance ID card after any type of treatment/care. The provider will either bill the insurance company directly, or ask you to pay the bill up front for services received. Either way, you will need to go through the mandatory claims process in order to receive coverage or reimbursement for any applicable covered services as per the policy you purchased. Q What Doctors/Hospital Can I Go To? Is There a Provider List? A In general, you can go to any doctor or hospital of your choice. However, for maximum benefit, you should go to a doctor or hospital within the PPO Network if the plan you purchased participates in one (not all of them do). More information will be provided to you once you purchase your plan. Q How Can I Renew My Insurance Policy? A Not all visitors insurance policies are renewable, so you will want to check the policy documents of the specific plan you purchased to see if this is an option. If the policy you purchased is a renewable visitors insurance plan, you can do so online. Q Can I Receive a Refund If I Cancel My Plan Before the Start Date? A Many plans do issue refunds if canceled before the official start date. Some however, do not, so it is important to check the cancellation policy of the particular plan you purchase. Q What Are Pre-existing Conditions and How Are They Defined? A Generally, high blood pressure, diabetes, AIDS, pregnancy, and any such physical problems which can’t be considered to have occurred overnight would fall under pre-existing conditions. However, each insurance company has their own definition, hence it is advised to read more about your insurance plan’s policies before buying a particular plan. What is Considered a Pre-Existing Condition? A pre-existing condition is any injury, Illness or medical condition which meets any of the following criteria: a) a condition that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the effective date of coverage under the insurance policy; b) condition for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed prior to the effective date of coverage under the insurance policy. Conditions such as cancer, high blood pressure, a heart condition, pregnancy, and any other illnesses or injuries that existed prior to purchasing a policy is considered to be a pre-existing condition. Who Determines If An Illness/Injury is a Pre-existing Condition? The diagnosis of a pre-existing condition is completely up to the doctor or hospital at the time of visit. If your condition is deemed to be pre-existing based on past medical history and the nature of the illness or injury, the insurance company will not cover any expenses in relation to that condition unless the policy specifically states that it covers pre-existing conditions. Q Why Are Pre-existing Conditions Typically Not Covered By Insurance Plans? A Travel medical and visitor insurance plans are short term plans and designed to cover new conditions that may occur during the limited time frame a visitor is outside of their home country. Pre-existing conditions tend to need continuous care and are typically not covered under visitors insurance due to the short nature of the coverage. Q Why Should I Purchase Insurance If It Does Not Cover Pre-existing Conditions? A Medical costs in the USA are very high and can be financially devastating, especially in the case of an unexpected illness or injury. Visitors insurance is a means to insure against such unanticipated medical emergencies and should not be viewed as a means to get medical treatment for existing medical problems. Q Can I Use Visitors Insurance to Cover a Planned Surgery For My Mother or Father? A No. Known treatment and services prior to having a travel insurance policy for pre-existing conditions will not be covered under any such visitors insurance policy. Is a Full Physical or Check-up for a Parent Covered By Visitors Insurance? No, routine medical visit/physicals are not covered under most standard visitors insurance policies due to the short term nature of the plans. Q What is an AM Best Rating and What Does It Signify? A AM Best is an independent third-party evaluation organization, providing a benchmark for comparing insurers. AM Best ratings are independent opinions, based on a comprehensive quantitative and qualitative evaluation, of a company’s balance sheet strength, operating performance and business profile. They are not a warranty of a company’s financial strength and ability to meet either its obligations to policyholders or its financial obligations. The rating you might have seen in a plan brochure is denoted as an alphabetical letter such as A, B, or C along with +/- signs. These indicate the AM Best’s Financial Strength Rating (FSR). The Financial Strength Rating (FSR) is an opinion of an insurer’s ability to meet its obligations to policyholders. Rating Modifiers and Affiliation Codes may also be associated with these ratings. The following list outlines an insurance rating scale and associated descriptions: - A++, A+ (Superior) - A, A- (Excellent) - B++, B+ (Very Good) - B, B- (Fair) - C++, C+ (Marginal) - C, C- (Weak) NoteAny plan with an A rating is considered good. Q Can I Add My Visiting Parents or In-laws to My Existing Health Insurance Plan? A No, you cannot add any of your visiting relatives to your existing domestic health insurance plan; however, you can purchase a visitors insurance plan for them. Q Can I Add My Visiting Brother or Sister to My Existing Health Insurance Plan? A No, you cannot add them to your existing domestic health insurance plan; however, you can purchase a visitors insurance plan for them. Q Am I Legally Responsible For My Visiting Parent’s Hospital Bills? A It is possible that you may be legally responsible for your parent’s hospital bills if as a visa sponsor, you submitted an affidavit for financial responsibilities. Q I Want to Bring My Parents/Relatives to the US For Medical Treatment – Will Any Insurance Cover This? A Unfortunately, visitors insurance will not cover this type of medical treatment. Visitors’ health insurance policies are short term insurance policies and only cover conditions that start after the insurance policy becomes effective. Therefore, any existing condition that needs treatment is the insured’s responsibility. Q I Have Travel Insurance From India – Can I Renew It In the US? Or Do I Need to Buy a New Policy? A Insurance from India, or from your home country, can only be renewed by whom you purchased it from. Most of these types of policies are not renewable, and therefore you will likely need to purchase a new policy in the US before or after your arrival. Q Will I Get Better Rates If I Buy Directly From the Insurance Provider or From an Agency? A You typically will get the best rates purchasing from a reputable, online visitors health insurance company such as VisitorsCoverage rather than directly from an insurance provider. You also receive the added benefit of excellent customer support and clear, straightforward quotes as well as an easy-to-use website where you can purchase your policy anytime, anywhere. Q Where Can I Ask Specific Insurance-Related Questions? A For specific questions and inquiries that you would like to speak with a licensed agent about, feel free to email us at [email protected] or call our toll-free number at 1-866-384-9104. Let Us Help You Find the Right Visitors Insurance Plan Compare, Quote and Purchase Visitors Insurance

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Introduction to Forex Brokers A forex broker acts as an intermediary between traders and the foreign exchange market. They provide the necessary platforms for individuals and institutional investors to trade currencies. Choosing the right forex broker is crucial for your trading success and profitability. Why Choose Eli-Deal.com? Eli-Deal.com is the premier online marketplace for forex brokers. We offer a wide selection of top-rated brokers available for sale. Our platform provides you with the opportunity to find the perfect broker that aligns with your trading goals and preferences. What to Consider When Buying a Forex Broker When purchasing a forex broker, there are several key factors to consider: - Regulation: Ensure the broker is regulated by a reputable authority. This ensures the safety of your funds and protects you from fraudulent activities. - Trading Platforms: Evaluate the available trading platforms and their features. Look for user-friendly interfaces, advanced charting tools, and access to real-time market data. - Range of Instruments: Check if the broker offers a diverse range of currency pairs, commodities, indices, and cryptocurrencies. This allows you to expand your trading opportunities. - Execution Speed and Reliability: Fast and reliable order execution is crucial in forex trading. Choose a broker with low latency and minimal slippage. - Customer Support: Look for brokers that provide excellent customer support, ensuring prompt assistance whenever you encounter any issues or have questions. - Commissions and Spreads: Consider the broker's fee structure. Compare spreads, commissions, and any additional charges to find the most cost-effective option. The Benefits of Buying a Forex Broker on Eli-Deal.com By purchasing a forex broker on Eli-Deal.com, you gain access to numerous benefits: - Verified Listings: We thoroughly vet each broker listed on our platform to ensure their legitimacy and reputation. - Competitive Pricing: Our marketplace offers competitive prices, allowing you to find a forex broker within your budget. - Comprehensive Information: Each broker listing provides detailed information about their services, regulations, trading conditions, and overall performance. - Peer Reviews: Benefit from the insights of fellow traders through our user-generated reviews and ratings. - Secure Transactions: Our platform ensures secure payment transactions, protecting your financial information. - Expert Guidance: Our team of forex experts is available to assist you in finding the best forex broker tailored to your requirements. Start Your Forex Trading Journey Today Don't miss out on the opportunity to find the perfect forex broker for sale on Eli-Deal.com. Enhance your trading experience and take your profits to new heights. Get started now and explore our comprehensive selection of brokers! Disclaimer: Trading foreign exchange on margin carries a high level of risk and may not be suitable for all investors. Ensure you fully understand the risks involved and seek independent advice if necessary.

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The California Association of Realtors (CAR) Commission Agreement is a crucial document for real estate agents in California. This agreement outlines the commission rate that the agent will receive upon successfully closing a sale with a client. The commission rate in California is not set by law and is instead negotiable between the agent and the client. Therefore, the commission agreement is essential to ensure that both parties are on the same page regarding the rate that the agent will receive. The CAR Commission Agreement also includes details about how the commission will be split between the listing agent and the buyer`s agent. This is especially important in cases where the buyer is represented by a different agent than the listing agent. The agreement ensures that both agents are compensated fairly for their work. Furthermore, the commission agreement may also include clauses regarding the agent`s entitlement to commission in the event that the sale falls through or if the client decides to terminate the contract early. These clauses provide a level of protection for the agent and help to avoid any disputes over commission. As a professional, it`s crucial to note that including relevant keywords in an article can help improve its visibility on search engines. In this case, some relevant keywords to include would be “California Association of Realtors Commission Agreement,” “commission rate,” “listing agent,” and “buyer`s agent.” In conclusion, the California Association of Realtors Commission Agreement is a crucial document that outlines the commission rate and distribution between agents. It also provides protection for the agent in the event of a failed sale or early contract termination. Understanding the details of this agreement is essential for real estate agents in California and can help avoid potential disputes or misunderstandings with clients.

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Renters’ liability insurance provides protection to tenants by covering various types of damages and liabilities that may arise during their tenancy. However, when it comes to infringement lawsuits, the coverage can be complex and often depends on the specific policy and circumstances involved. In this article, we will explore the scope of renters liability insurance in relation to infringement lawsuits, shedding light on the factors that determine coverage and the importance of understanding policy terms. Understanding renters liability insurance Renters insurance is designed to protect tenants from financial liabilities and damages resulting from accidents, personal property damage, or personal injuries that occur within their rented premises. It typically covers incidents such as slips and falls, injuries sustained by guests on the premises, and damage to tenants’ personal property such as clothes, furniture, jewellery, home appliances, etc. However, the coverage for legal disputes, including infringement lawsuits, may vary from one policy to another. Coverage for infringement lawsuits Infringement lawsuits typically arise when an individual or entity accuses another party of using their intellectual property without authorisation. This can include copyright, trademark, or patent infringement claims. Renters’ liability insurance shields tenants from accidents, property damage—not intellectual property conflicts. Therefore, standard renters’ liability insurance policies may not cover infringement lawsuits. However, there are intellectual property insurance policies available to cover infringement lawsuits. Factors that determine coverage While renters’ / tenant liability insurance may not explicitly cover infringement lawsuits, there are some factors that can influence coverage. One such factor is the nature of the infringement. Some policies offer limited coverage for incidental infringements, like copyrighted music at personal events. However, the policies generally do not cover intentional or commercial infringements. Policy terms and exclusions To understand the coverage provided by renters’ liability insurance or tenant insurance, it is crucial to carefully review the policy terms and exclusions. Insurance policies often include specific language that excludes coverage for intellectual property disputes, professional services, or intentional acts. Exclusions set boundaries, shield insurers from liabilities beyond policy scope. Consult an insurance pro to grasp renters’ liability policy terms and exclusions comprehensively. Additional coverage options While standard tenant liability insurance may not cover infringement lawsuits, tenants can explore additional insurance options to mitigate potential risks. Some insurance providers offer specialised intellectual property liability insurance, which specifically covers legal expenses associated with intellectual property disputes. Insurance designed for businesses, professionals, and individuals, with potential applicability in specific situations. Seeking legal advice In the event of an infringement lawsuit, it is essential to seek legal advice promptly. Intellectual property disputes can be complex, and the outcome can significantly impact one’s financial well-being. Expert IP attorney assesses, advises on defense, guides tenants through legal process. They can also review insurance policies to determine if any coverage is available for specific circumstances. While renters’ liability insurance provides valuable protection for tenants, its coverage for infringement lawsuits is often limited. Standard policies primarily focus on personal property damages, accidental damages, and personal injury claims within the rented premises. Tenants review policies, grasp terms, explore options like IP liability insurance for comprehensive protection. Legal advice vital for infringement lawsuit defense, ensuring rights and interests are protected.

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High net worth executives, partners, and professionals at corporations, law firms, investment companies, family offices, charitable institutions and other organizations have substantial personal liability exposures. In our litigious society, these individuals are among the most alluring targets of lawsuits because of their personal wealth. A High Value, High Limit Benefit Group Excess Liability Insurance from Willis Towers Watson, enables employers or sponsoring organizations to offer high limits of personal liability coverage to their most valued employees. Coverage comes with higher limits of liability than typically offered on an individual basis — at a more affordable price. In fact, premiums can be up to 50 percent less than individual policy rates. Exceptional Flexibility and Service We will work with you to tailor a program for groups of virtually any size. Programs can be supplemental or voluntary, employer- or employee-paid, and come with full program administration support. The Willis Private Client Group can handle the entire process, including enrollment, premium collection and policy distribution. Bringing a Valuable Cost-Effective Benefit to Your Most Valued Employees Providing partners, executives, directors, officers and professionals with benefits that are truly valuable — and cost effective— is a challenge. Group Excess Liability Insurance from Willis Towers Watson is the solution. An Elite Benefit from an Industry Leader Valid or not, anyone can be sued for alleged negligent acts. Life is full of uncertainty. With uncertainty come accidents, incidents and situations that cause injury, damage to property, and in some cases, financial ruin. Our professionals provide the best risk management and insurance solutions available in the marketplace. Our passionate associates have the expertise and knowledge to do this at the highest level. We empower them to advise clients to make decisions that are best for their unique situations. We focus on our clients’ security and provide peace of mind so they can focus on life. Answering an Urgent Need with an Efficient Employee Benefit Following are examples of actual claims that highlight the wide range of personal liability exposures confronting individuals daily — and the crucial need for effective excess liability coverage. It only takes a second to lose what you’ve spent a lifetime building.

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Feeling Tricked by the Adjuster? You Aren’t Alone Author: Auger Law | November 15th, 2017 After an accident, you will be dealing with many things and multiple people. One of those people will probably be an insurance adjuster, and you could very well come away from the meeting feeling as though you have been taken. You wouldn’t be the first. Insurance companies don’t stay in business by paying out the maximum settlement for every claim they receive. While you may come across a friendly, helpful adjuster, chances are more likely that you will deal with an adjuster who has their company’s interests foremost in their mind. Here are a few tricks to watch out for. 1. Loaded Questions An insurance adjuster may ask you loaded questions. Be wary of this. They may try to discuss the accident with you and shift blame onto you rather than their insured. Refrain from discussing the accident with an adjuster! 2. Delaying the Case The adjuster you deal with may try several tactics to delay your claim. The reasons are twofold: you may become so frustrated with the process that you accept their low settlement offer and they could delay you for so long you miss deadlines. If you feel as though an adjuster is delaying your case purposely, seek out an attorney. Have you ever felt as if someone was watching you? If you’ve been in a car accident, you might be right. Insurance adjusters have been known to try and catch car accident victims performing physical activities in order to deny their claim. 4. Asking for Medical Records An adjuster may ask you to provide medical records for any treatment you sought after the accident. While this may seem innocent and reasonable, there may be a clause in the paperwork you sign that allows the adjuster access to all of your medical records. Again, you are under no obligation to provide this information. 5. Telling You a Lawyer Isn’t Necessary If an adjuster tells you that you can settle your claim without the assistance of an attorney, be careful. Keep in mind that they are looking out for their company. If they start telling you that you don’t need an attorney, you almost assuredly do. If you have to deal with an insurance adjuster following a car accident, always be wary. While some are truly good people, others will do anything they can to delay or deny your claim. If at any point you begin to feel as though you are being taken for a ride, consult with an experienced Charlotte car accident attorney. consult with an experienced attorney. After a car accident in Charlotte, you have legal rights. Reach out to our personal injury attorneys to discover more about what those rights are. Unlike an insurance adjuster, we work for you. We will defend your rights in court if necessary and help you achieve the best settlement possible. Call our office today to schedule your free case evaluation and let us help you make the best decisions for your situation.

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Styles Unique Women Umbrella With Flower Print Introducing our Styles Unique Women Umbrella with Flower Print, a delightful and fashionable accessory that combines style and functionality. This umbrella is thoughtfully designed with a stunning flower print, making it a unique and eye-catching addition to any outfit. Say goodbye to dull and boring umbrellas; our flower-printed umbrella is here to brighten up your rainy days! Flower Print Design: The standout feature of our umbrella is its beautiful flower print design. The vibrant and intricately detailed flowers add a touch of elegance and femininity, transforming the umbrella into a stylish fashion statement. With this umbrella, you can embrace the beauty of nature even on the rainiest days. Premium Quality Materials: We believe in providing only the best for our customers. Our women’s umbrella is crafted from high-quality materials that ensure durability and resistance to the elements. The sturdy frame and fabric make it a reliable companion in various weather conditions. Compact and Portable: Our unique women’s umbrella is designed to be lightweight and compact, making it easy to carry around. It can easily fit into your bag, backpack, or purse, so you’re always prepared for unpredictable weather. Functional and Protective: While our umbrella is a style standout, it is also highly functional and protective. The generous canopy size shields you from rain and provides ample coverage to keep you dry and comfortable. Automatic Opening Mechanism: Embrace convenience with the automatic opening mechanism. With a simple press of a button, the umbrella quickly opens, allowing you to seek shelter from the rain in an instant. Perfect for Various Occasions: Whether you’re headed to work, a social event, or a casual outing, our flower-printed umbrella is the ideal accessory to complement your outfit. Its versatile design ensures it pairs well with various styles, adding a charming and sophisticated touch to your overall look. Great Gift Idea: Looking for a thoughtful and unique gift for a special woman in your life? Our flower-printed umbrella is the perfect choice. Its elegant design and practicality make it a delightful present for birthdays, anniversaries, or any occasion. Spread Joy in the Rain: Rainy days no longer have to be gloomy. Our Styles Unique Women Umbrella with Flower Print brings joy and cheer to even the wettest weather. Embrace the rain with confidence and style, knowing you have an exquisite umbrella to protect and adorn you. At Styles Unique, we believe that practicality and fashion should always go hand in hand. Our Women’s Umbrella with Flower Print exemplifies this philosophy, ensuring that you not only stay protected from the rain but also make a statement with a stunning and unique accessory. Step out into the world with confidence, knowing you have a reliable and fashionable umbrella by your side.

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Causes of Fire & Gas Explosions Fire and gas explosions are caused by a variety of factors, including improper handling of flammable materials, faulty equipment, and arson. In many cases, these explosions can be prevented by following safety guidelines. Definition of Fire & Gas Explosions Fire and gas explosions are caused by a variety of factors, including faulty wiring, arson, and natural gas leaks. In order to prevent these accidents, it is important to know the definition of a fire and gas explosion, as well as the causes of these accidents. Causes of Fire & Gas Explosions There are many different causes of fire and gas explosions. Some of the most common causes are: - Electrical fires - Natural gas leaks - Chemical reactions - Improper storage of flammable materials Mechanical failure is a common cause of fires and gas explosions. Many types of equipment, including engines, pumps, and conveyors, can fail due to wear and tear, corrosion, or improper maintenance. In some cases, a small piece of metal can break off and spark an explosion. Electrical malfunctions can cause fires and gas explosions. Some common causes of electrical malfunctions include loose wires, damaged insulation, and faulty switches. Human error is a common cause of fire and gas explosions. Many factors can contribute to these accidents, including poor communication, faulty equipment, and lack of training. To prevent these accidents from happening, it is important to have a well-functioning safety system in place and to train employees on how to use it. Natural causes of fire and gas explosions are often difficult to determine. However, there are a few common causes that can lead to these types of accidents. Poorly maintained equipment, faulty wiring, and improper storage of flammable materials are all common causes of natural fire and gas explosions. Prevention of Fire & Gas Explosions Prevention of fire and gas explosions is a top priority for any organization. There are many causes of these types of accidents, and each requires a different approach to prevention. Some of the most common causes of fire and gas explosions include: - Improperly maintained equipment - Lack of training and safety procedures - Faulty wiring and installation - Improper storage of flammable materials Each of these factors can be addressed through proper safety procedures and training. By taking these measures, organizations can reduce the chances of a fire or gas explosion occurring, and protect their employees and customers. Regular maintenance is essential to preventing fires and gas explosions. Fire can be caused by faulty wiring, clogged pipes, and other debris. Gas explosions can occur when gas lines become blocked or when there is a build-up of gas. When it comes to adequate ventilation, it is important to keep in mind the three main causes of fire and gas explosions: lack of oxygen, combustible materials, and sparks. When working with these materials, always wear a respirator and use caution when handling sparks. Proper Storage of Flammable Materials When storing flammable materials, it is important to follow proper storage guidelines to avoid causing a fire or gas explosion. Make sure the materials are stored in a safe and secure location away from open flames and other sources of ignition. Fire Safety Training Fire safety training is essential for anyone who may be in a position to prevent a fire or gas explosion. Fire causes can come from a variety of sources, including cigarettes, candles, and open flames. Gas explosions can occur when natural gas is mixed with other chemicals or when it is heated. Both fire and gas explosions can be deadly, so it is important to be aware of the dangers and take the necessary precautions to stay safe. Fire and gas explosions are caused by a variety of factors, including improper storage, misuse, and defective equipment. The most common cause of fire and gas explosions is improper storage, which can include not properly extinguishing fires, using flammable materials near gas lines, and using gas appliances in an unsafe manner. Summary of Causes & Prevention of Fire & Gas Explosions Fire and gas explosions are a serious safety hazard. They can cause extensive damage to property and injure or kill people. There are several causes of fire and gas explosions, including faulty equipment, arson, and natural gas leaks. Prevention is the best way to avoid these accidents. Make sure your equipment is in good working order, and be aware of potential safety hazards. Importance of Fire & Gas Explosion Prevention Fire and gas explosions are a serious safety hazard. They can cause extensive damage to property and injure or kill people. Fire and gas explosions are caused by a variety of factors, including improper use of fire and gas equipment, faulty wiring, and arson.Fire and gas explosions are important safety concerns. Proper fire and gas equipment use, proper wiring, and proper storage can help prevent these explosions from happening. If you are ever involved in a fire or gas explosion, please call 911 immediately. Related LinksElectrical and Gas Explosions Lawyer Do Polish People Dream

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Fire Fighting Hose Suppliers 3″ x 50′ Pvc Hose White/Rubber/PU/Fabric Fire Fighting Hose Suppliers is a special kind of rubber hose and tube made from high pressure resistant rubber. The hose has multiple layers of different materials. Each layer has a different purpose and helps in protecting the wires inside the fire hose from intense heat or when exposed to flame. Fire fighting hoses have very high pressure ratings, with many being able to withstand for long periods of time without bursting.Our fire fighting hose is a powerful, hand-held fire extinguisher that makes it easy to fight small fires in the comfort of your home. Easy on your arm and shoulder, the lightweight design puts you back in control while also maintaining heavy-duty results.fire fighting hose fire hose is a special equipment used in fire fighting. It helps to guide the flow of water from a source (fancy, hydrant or just a simple container) to the desired spot. The container can be a hand portable one or water tank which should be fixed on ground or roof that can carry sufficient amount of water. The fire fighting hose is designed to be used for fire fighting. It includes a flexible polyurethane hose with a water pressure-resistant nylon braided tube and an inner polyester wrapped fire engine foam. The hose has the lengths can be customized according to the customers’ requirements.Fire hose is a common term for a type of strong flexible tube used to deliver water in an efficient manner.Fire fighting hose is a high pressure fire hose. It’s mainly used to put out the fire and protect people’s lives.

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The threats to our final rest are as old as time. The Romans built the Mausoleum of Halicarnassus to keep tomb robbers away from their graves. The Vikings and indigenous peoples of Hawaii buried their dead in hidden locations to protect them from plunderers. Whether you’re worried about tomb raiders or nosy neighbors, no one’s immune to the risk of a desecrated burial. Burial insurance has been around since the 19th century. Many people still aren’t aware of the service. If you’re thinking about the protection of your final resting place, it might be time to consider a policy. Read on to learn about burial insurance benefits. Protection From Creditors If you are considering burial insurance, you may want to take a look at the benefits in relation to protection from creditors. Burial insurance can help provide financial protection for your loved ones in the event of your death. It can also help pay for final expenses, such as funeral costs and outstanding debts. With Final Expense Direct, the cost of a gravesite will be covered. When you purchase burial insurance, you can name a beneficiary who will receive the death benefit in the event of your death. This can help ensure that your loved ones are taken care of financially after you pass away. The death of a loved one is a difficult time for any family. There are also the financial responsibilities that come with funeral costs. While some families have the means to cover these costs, others may not. This is where burial insurance can be beneficial. This can be a valuable tool in the estate planning process, as it can help to ease the financial burden on your loved ones after you pass away. There are many different policy options available, so it is important to work with an experienced agent to find the right coverage for your needs. If you are considering burial insurance, take the time to learn about the different benefits it can provide. This can be a valuable way to help your family financially after you are gone. Burial insurance is a type of insurance designed to pay for the costs of your funeral and other related expenses. There are many benefits to having burial insurance, including the fact that you can save money because it is tax-free. This means that you will not have to pay any taxes on the money that your beneficiaries receive from the policy. Peace of Mind It is a difficult decision whether or not to get burial insurance. However, there are many benefits to having this type of insurance. One benefit is peace of mind. So, in case of an accident, it’s important if you have loved ones who would be burdened financially if you were to pass away. Burial insurance can also help to ensure that your final wishes are carried out. This can be especially important if you have specific requests for your funeral or cremation. If you are undecided, it may be helpful to speak with a financial advisor to see if burial insurance is right for you. Coverage for All Burial Expenses When most people think about insurance, they think of health or life insurance. However, there is another type that is just as important, burial insurance. It is an important type of insurance to have because the costs of funerals and burials can be very expensive. There are many different benefits of having burial insurance. One is that it can help to ease the financial burden on your family after you die. Funeral and burial costs can be a large expense, and having burial insurance can help to alleviate some of that burden. It can also help to ensure that you have the funeral that you want. You can use the money from your policy to pay for a specific type of funeral or burial that you want. If you are thinking about getting burial insurance, take a look at the benefits and see if it is the right decision for you. No Health Questions Required Burial insurance is a contract between you and an insurance company in which you agree to pay premiums for a set period of time, usually 10, 20, or 30 years. In return, the insurer agrees to pay a death benefit to your beneficiaries when you die. The main benefit of burial insurance is that you can be sure your loved ones will have the money they need to cover your final expenses. There are no health questions required to qualify for a policy, so it’s a way to ensure your family will not be burdened with funeral costs if you die suddenly. Before purchasing, compare the premiums and coverage of different policies to find the one that best suits your needs. Make sure you understand the terms and conditions of the policy, including any exclusions or riders that may apply. Also, be sure to name your beneficiaries carefully to avoid any confusion or delay in the payment of benefits. Burial insurance offers many benefits that make it an attractive option for those considering their end-of-life options. For starters, it can be very affordable, especially when compared to the cost of a traditional funeral. It can also help to ease the financial burden on your loved ones, as they will not have to worry about paying for your funeral expenses. It can be used to cover any final expenses that you may incur, such as medical bills or outstanding debts. Types of Burial Insurance There are many types of burial insurance policies available to help cover the costs of your final expenses. Some policy types include: Whole Life Insurance Policies A whole life insurance policy is a type of permanent life insurance that remains in force for the policyholder’s entire life, provided premiums are paid as required. It combines protection with a savings element, which grows tax-deferred over time. This cash value can be accessed through policy loans or withdrawals and can be used for a variety of purposes, such as supplementing retirement income or paying for college expenses. Term Life Insurance Policies A term life insurance policy is a life insurance policy that provides coverage for a specific period of time. If the insured dies during the term of the policy, the death benefit will be paid to the beneficiary. If the insured survives the term of the policy, the policy will generally expire and the insured will not receive any death benefit. Final Expense Insurance Policies A final expense insurance policy is a life insurance policy that is specifically designed to cover the costs of a person’s final expenses, such as funeral and burial costs. The death benefit from a final expense policy is typically paid out within a few days after the policyholder’s death, which can help to ease the financial burden on the policyholder’s family. Pre-need Funeral Insurance Policies Preneed funeral insurance policies are life insurance policies that are specifically designed to cover the costs of your funeral and other end-of-life expenses. These policies are often purchased by people who are concerned about the financial burden that their death might place on their loved ones. Burial insurance is an important form of insurance to have. It can help you cover the cost of your funeral and other final expenses. There are many benefits to having burial insurance, and it is an affordable way to make sure your loved ones are taken care of after you die. If you are considering getting burial insurance, take a look at the benefits and see if it is right for you.

https://www.dailyhawker.com/insurance/should-you-get-burial-insurance-take-a-look-at-the-benefits/

Professional Liability Insurance for Attorneys The Herbert H. Landy Insurance Agency offers Lawyers Professional Liability insurance through several leading insurers, providing your firm with the coverage most suitable to your unique insurance needs. With over six decades of professional liability insurance experience, our goal is to provide you with the most comprehensive, cost-effective coverage that is appropriate for your practice. Available Coverage Features Can Include: - Full Prior Acts Coverage - Predecessor Firm Coverage - First Dollar Defense and Claims Expenses Outside the Limits of Liability - Multiple Limit and Retention Options - Broad Definition of Professional Services, including Title Agent, Notary Public, Pro Bono Services, Peer Review/Licensing Boards and more - Disciplinary Proceedings and Subpoena Coverage - Multiple Extended Reporting Period Options, including Free Lifetime Coverage for Qualified Insureds - Security Breach Coverage - And Much More Attorneys Professional Liability Insurance Coverage - New & Established Firms - Firms of All Sizes - All Areas of Practice - Newly Admitted Attorneys - Part-Time, Moonlighting, and Employed Lawyer Plans - Hard-to-Place Firms - Business Owners, Workers Compensation and Privacy Policies also available Privacy Insurance Coverage for Law Firms - Do I Need It? Law firms have a professional and legal obligation to protect the personal information of clients and individuals. The consequences of computer hacking, identity theft, loss of paper files and other unauthorized access to confidential information can be costly: Notification and Credit Monitoring Costs, Forensic and Crisis Management Expenses as well as Defense and Liability Expenses can easily cost into the hundreds of thousands of dollars. A Privacy Insurance policy that protects your firm in the event of any of these scenarios may be less costly than you think. Contact Us for more information on this valuable protection. For More Information To learn more about Professional Liability Insurance, Business Owners, Workers Compensation or Privacy Coverage for Attorneys, contact Kathy Davis at firstname.lastname@example.org, 800-336-5422 x 124. To receive a no obligation premium indication for Professional Liability Insurance, complete the online Lawyers Professional Liability Insurance Questionnaire.

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If you’re involved in a Lyft accident, our team stands in your corner. We’ll walk you through the process of filing your claim and represent your best interests in court. But our Wayne Lyft accident attorneys do more than break down your post-accident losses. Do you know where you start when combatting rideshare losses? Each case, including yours, is highly unique. Fortunately, Morelli Law Firm has secured more than $1 billion for its clients in the past. It’s time for us to put that experience to use for you. Lyft Accident Liability You can’t begin a rideshare suit without understanding who you want to hold liable for your losses. Unfortunately, Lyft can make determining accident liability more complicated than it needs to be. The company wants to do everything it can to protect its own legal team, so it will often try to offload liability onto its riders, or even onto you. New Jersey is also a no-fault state. This means that your insurance provider won’t help you understand who you can hold liable in a rideshare accident. Instead, all injured parties must file insurance claims with their own providers before pursuing a civil suit. Fortunately, you can still rely on evidence and eyewitness testimony to establish liability. A personal injury attorney can even walk through your scene with you, assessing the extent to which another driver, Lyft, or even an unaffiliated party may be liable for your losses. Lyft’s Liability in Rideshare Accidents There are some circumstances under which Lyft may take on liability in a car insurance accident. For example, the company provides insurance to all of its on-duty drivers. In turn, if a Lyft driver is on duty at the time of an accident, Lyft is liable for its employee’s role in said accident. However, Lyft may enthusiastically argue that its employees were not on duty at the time an accident occurred. As such, the only Lyft drivers who benefit from the company’s protection and insurance are those who have passengers in the car or who are on their way to pick passengers up. Drivers who are waiting for rides without using the Lyft app may take on liability for an accident on their own. Independent Drivers’ Liability in Rideshare Accidents Independent drivers can also be held at fault for an accident with a rideshare vehicle. In these circumstances, injured passengers and drivers can take up civil claims against the allegedly liable driver. Lyft drivers who want to pursue civil suits can do so, but they will not have Lyft’s help throughout the process. Rather, all parties involved in an accident caused by an independent driver – even on-duty Lyft drivers – must operate within New Jersey’s legal system without corporation interference. Have You Been Injured In An Accident? Contact Morelli Law877-751-9800 What to Expect From Lyft After an Accident There’s a chance, depending on the nature of liability in your accident, that Lyft may offer you a settlement based on your losses. These settlement offers are designed to help you address your accident-related injuries and property damage. That said, they aren’t always as comprehensive as they could be. You don’t have to accept a settlement offer as soon as it’s been offered. Instead, turn to the math yourself. You can work with a Lyft accident lawyer in Wayne, NJ, to calculate what your compensation might look like if you pursued it through a trial. In turn, you can use that number to negotiate for a higher settlement. If negotiations fall through, don’t worry. Our team knows how to represent your best interests in court. We can transition you and your loved ones into a trial and represent you before Lyft’s legal team. Requesting Compensation for Your Lyft Accident Losses You’ll want to submit an estimate of your potential compensation with your claim, even if you’d prefer to avoid going to court. This estimate lets Lyft or another liable party know what the extent of your losses look like. In turn, the county clerk to whom you submit your complaint can weigh your estimate against an objective take on your accident. Most rideshare accident complaints can include requests for compensation detailing: - Medical expenses related to the accident - Property damage - Rental expenses and repair fees - Future surgeries - Pain and suffering - Wrongful death You can learn more about the ways you can increase your personal injury settlement during your initial case consultation with our team. Lyft and New Jersey’s Statute of Limitations Each state has a statute of limitations designed to limit the amount of time injured parties have to bring personal injury cases forward. Because the majority of Lyft accidents can be classified as personal injury accidents, you can turn to New Jersey Revised Statutes section 2A:14-2 to determine how much time you have to submit your claim. This statute gives you two years to act on your losses. If you can’t bring a complaint forward within two years of the day your accident occurs, you won’t be able to rely on the state’s legal system to help you secure post-accident compensation. Injured As a Rider: What to Do If you are riding in a Lyft at the time an accident occurs, your rights and coverage are unique. For starters, Lyft strives to cover all of its active passengers under its insurance policy. This means that injured riders can file insurance claims with Lyft’s coverage after filing with their own providers. That said, Lyft won’t provide legal guidance to passengers who want to pursue civil suits. This is in part because passengers may wish to take up a legal complaint against the rideshare giant. If it appears that a Lyft driver was responsible for the passenger’s losses, any civil claims the passenger files will name Lyft as the liable party. Alternatively, passengers can take out civil claims against independent drivers who bear responsibility for a rideshare accident. However, cases involving an underinsured or uninsured driver may not be as lucrative as passengers want them to be. When in doubt, contact a Wayne, NJ, Lyft accident lawyer to determine how best to carry your case forward. Consult Our Team for Legal Guidance Contending with the losses you’ve faced in a rideshare accident is never easy. Not only are you trying to recover, but Lyft’s legal team can stand in your way. Fortunately, you never have to embark on this fight alone. If you’re ready to file a civil claim against Lyft, call our Wayne Lyft accident lawyers at Morelli Law Firm. We’ll walk you through the legal process and stand by you through negotiations and trials. To schedule your first case evaluation, contact our team by phone or through our online

https://www.morellilaw.com/areas-we-serve/wayne-nj/rideshare-accident-lawyer/lyft/

Huge cranes stand out in construction zones throughout Yonkers, New York. These large machines play a pivotal role in the construction process, but if they’re misused or have a breakdown, they can cause serious injuries. You can contact a Yonkers crane accident lawyer from the Morelli Law Firm for assistance in this situation. We’re ready to review your claim and fight for compensation on your behalf. We stand with you throughout your claim and offer compassionate support. Take proactive steps to address your legal needs by calling or filling out our online contact form. Can You File a Claim Following a Yonkers Crane Accident? Crane accidents may occur when these large vehicles strike power lines, experience a rigging failure, drop a load, collapse, or overturn. These accidents often cause significant destruction and severe injuries if they strike someone. In this situation, you may have a chance to seek compensation to cover your losses with the help of a Yonkers crane accident attorney. Depending on your situation, your team may help you file a: Workers’ Compensation Claim If your crane accident occurred on a job site, you might file a workers’ comp claim in Yonkers. The no-fault workers’ comp system allows you to seek damages without directly proving that your employer, or another party, caused the accident. Personal Injury Lawsuit New York does not generally allow employees to file a lawsuit against their employer. However, you may have a chance to file a personal injury claim against a third party who caused your crane accident, including the crane manufacturer or a contractor at the job site. Wrongful Death Claim Did your family lose a loved one in a crane accident? Unfortunately, dozens of fatal crane accidents occur yearly, and we can provide you with compassionate care if you’re in this situation. In addition, we can discuss options to legally recover funds to address your family’s financial needs. Have You Been Injured In An Accident? Contact Morelli Law877-751-9800 What Compensation do You Get for a Yonkers Crane Accident? Working with a Yonkers crane accident lawyer allows you to secure funds to cover your losses. A workers’ comp claim can provide you with funds to cover medical expenses, including: - Emergency medical care - Time in a hospital - Medical tests and procedures - Rehabilitation and medications If you miss several days of work, you may also qualify to receive coverage for your lost wages through a workers’ comp claim. However, the system generally only covers a percentage of your total wages, not the full amount of your pay. A personal injury claim may allow you to seek coverage for healthcare expenses, lost wages, lost earning potential, pain, and suffering. For example, if you work with a crane accident lawyer in Yonkers, NY, for a wrongful death claim, you may secure funds to cover funeral and burial expenses. How do Yonkers Crane Accident Attorneys Handle Your Claim? When you contact us after a crane accident in Yonkers, we focus on the specifics of your case with a free consultation. We’ll discuss the options you have to handle your case and get immediately to work if you hire us. Your crane accident attorney in Yonkers, NY, can: - Investigate the crane accident to find all liable parties - Gather evidence to support your workers’ comp or personal injury claim - Handle insurance agencies on your behalf - Demand funds to cover all your losses We work thoroughly to identify all the current and future expenses you might face after a crane accident and stick with you until the resolution of your claim. How does Our Team Help with Your Crane Accident Case? A Yonkers crane accident lawyer from the Morelli Law Firm can step in to address your needs starting today. We bring over 20 years of experience to the table, guiding our clients carefully through the legal system in Yonkers. We’ve secured 100s of millions of dollars in compensation for clients like you, working aggressively to build your claim while treating you with compassion and respect. We deal with all the legal complications of your case so you can recover from your injuries. When do You Have to File a Crane Accident Claim in Yonkers? Crane accidents can leave you with serious injuries, including broken bones, burns, spinal cord damage, and paralysis. We understand that it takes time to recover from these injuries. However, it’s essential to begin working with a crane accident lawyer in Yonkers, NY, quickly. You have a limited amount of time to move forward with most crane accident claims. For example, you usually have to inform your employer of the accident within 30 days, though legal professionals recommend you tell them immediately, so they can officially record the accident. We’ll keep track of deadlines for your claim and begin building a case immediately when you contact us. How Much do You Pay a Yonkers Crane Accident Attorney? We understand the expenses involved in recovering from a crane accident in Yonkers, NY, which can feel more challenging to handle if you can’t return to work or if you lose a loved one. Therefore, we only take these cases on a contingency basis. The contingency system means we only receive payment for legal fees once we resolve your claim. We receive a percentage of your final financial award, allowing you to seek legal assistance without worrying about the cost. Contact Us After a Crane Accident in Yonkers, NY You can seek professional assistance from a Yonkers crane accident lawyer today. Our team at the Morelli Law Firm puts you first and discusses different avenues to resolve your claim by providing compensation to allow you to recover. Begin working on a claim now by calling or filling out our online contact form.

https://www.morellilaw.com/areas-we-serve/yonkers-ny/construction-accident-lawyer/crane/

P.M. Brennan Financial Brokers Ltd 2 Tower Road, Clondalkin Village, Dublin 22 Phone: 01 403 0700 Terms of Business Terms of Business – Version 17.1 effective from 1st August 2021 These Terms of Business set out the general terms under which our firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. Please ensure that you read these terms thoroughly and if you have any queries we will be happy to clarify them. If any material changes are made to these terms we will notify you. Authorisation with the Central Bank of Ireland P.M. Brennan Financial Brokers Ltd is regulated by the Central Bank of Ireland as an Insurance Intermediary registered under the European Union (Insurance Distribution) Regulation 2018. Copies of our regulatory authorisations are available on request. Our Regulatory Number is 1655; The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at www.centralbank.ie to verify our credentials. Codes of Conduct P.M. Brennan Financial Brokers Ltd is subject to and complies with the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website www.centralbank.ie As Insurance Brokers we offer advice on a fair and personal analysis basis in relation to all classes of general insurance policies. This means we will research the market and recommend the most appropriate products to match your needs. We will identify and select a suitable product producer (s) and on receipt of your instructions we will transmit orders on your behalf to one or more product producers (a list of which is available on request). The firm does not have a “tied” relationship with any institution for insurance products. P.M. Brennan Financial Brokers Ltd acts as a Broker which means that: a) The principal regulated activities of the firm are provided on the basis of a fair and personal analysis of the market; and b) You have the option to pay in full for our services by means of a fee. Fair & Personal Analysis The concept of fair & personal analysis describes the extent of the choice of products and providers offered by an intermediary within a particular category of life assurance, general insurance, mortgages, and/ or a specialist area. The number of contracts and providers considered must be sufficiently large to enable an intermediary to recommend a product that would be adequate to meet a client’s needs. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could be reasonably expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair & personal analysis of the market, we will consider the following criteria: the needs of the customer the size of the customer order the number of providers in the market that deal with brokers the market share of each of those providers the number of relevant products available from each provider the availability of information about the products the quality of the product and service provided by the provider any other relevant consideration Summary of products available: We provide advice in relation to the following general insurance products: Household, Motor, Property Owners, Loss of Profits/ Additional Cost of Working, Money, Frozen Foods, Computers, Directors & Officers, Pension Trustees Liability, Book of Debts, Employment Practice Liability, Fidelity Guarantee, Legal Expenses, Public/Products Liability and Employer’s Liability, Professional Indemnity, Credit & Guarantee, Travel & Personal Accident, Engineering, Contractors All Risks, Marine, Environmental Impairment Liability. P.M. Brennan Financial Brokers Ltd provides general insurance on a fair analysis basis (providing services on the basis of a sufficiently large number of contracts and product producers available on the market to enable the firm to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet your needs). Please contact us if you wish to discuss or obtain a quotation of any for these covers. We will also offer assistance to you in relation to processing claims on policies taken out with us and in seeking renewal terms on your cover. To ensure continuity of cover, where you have an existing policy which is due to expire and where we have been unable to contact you, we may put continuing cover in force whilst awaiting your instruction. You will be liable for any premiums payable to the relevant insurer for the period of time between renewal and when we receive your instruction. You have the right not to avail of this service. P.M. Brennan Financial Brokers Ltd is remunerated by a combination of commission and fees for arranging or provision of advice regarding general insurance business. We are generally remunerated by Insurance Undertakings and Product Producers on a commission basis, the level of which is determined by the class of business being placed. Commission payable may range from 0% to 30% & full details are available on request (Some product producers do not pay a commission). All commission received contribute to the overall cost of providing ongoing services to our clients and are not offset against fees which we may charge you. Fees are charged on the undernoted scale, and cover the sourcing of the product, administration costs, claims handling and standard advice on product placement. The fee chargeable will depend on the workload of the case involved, complexity, time spent sourcing markets, specialist skills involved and urgency. We will not charge brokerage in respect of any rebated premium unless agreed with you formally in advance. Brokerage of between €10 and €100 may be charged for any advice given or amendments made on your behalf irrespective of whether Insurers charge for the advice or amendment (e.g. issuing duplicate documentation) If the fee differs from that outlined below, we will confirm and agree it with you prior to any charge being applied. Brokerage may be shown in monetary (€) or percent (%) value The service can be provided on a fee only basis if the client so desires, so that any commission received from the Insurance Undertaking will be offset against the fee which we will charge you. Where the commission is greater than the fee due the commission may become the amount payable to the firm unless an arrangement to the contrary is made. You need to contact us in advance to avail of this option. Where we arrange separate finance agreements for you via a premium finance provider we will earn additional commission of between 1 to 3% of the annual premium, depending on the complexity of the case. The premium finance loan is in the form of a loan from the credit finance provider and there is an interest charge applied. By taking up the facility, the client enters into a contract with the credit finance provider and will be in debt to them in the event of default. Scale of brokerage fees Other Classes of Business New Business & Renewal set up fee €35.00 up to 50% of the premium €60.00 Min up to 50% of premium €60.00 Min up to 50% of premium €100.00 up to 50% of premium Policy amendments or adjustments €25.00 up to 40% of the premium €25.00 Min up to 40% of premium €25.00 Min up to 40% of premium €50.00 up to 40% of premium It is in your best interest that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will change. You must advise us of those changes and request a review of the relevant policy so that we can ensure that you are provided with up to date advice and products best suited to your needs. Failure to contact us of changes in your circumstances, or request a review, may result in you having insufficient insurance cover. Consumers: Duty of Disclosure when completing documentation for new business/renewals and midterm adjustments Section 14 (1) – (5) of the Consumer Insurance Contracts Act which is effective from 1st September 2021 alters consumers duty of disclosure: You are required to answer all questions posed by us or the insurer honestly and with reasonable care – the test will be that of the ‘average consumer’. Average consumer as per Directive No. 2005/29/EC of the European Parliament and of the Council of 11 May 2005 is reasonably well informed and reasonably observant and circumspect, taking into account social, cultural and linguistic factors. Specific questions will be asked. Where you do not provide additional information (after being requested to do so) it can be presumed that the information previously provided remains unchanged. An insurer may repudiate liability or limit the amount paid on foot of the contract of insurance, only if it establishes that non-disclosure of material information was an effective cause of the insurer entering into the relevant contract of insurance and on the terms on which it did. Completed proposal forms/statement of fact Completed proposal forms or Statements of Facts will be provided to you. These are important documents as they form the basis of insurance contract between the insurer and you the consumer. You should review and confirm that the answers contained within are true and accurate. Commercial Customers: Non-Consumer Disclosure of Information It is essential that you should bring to our attention any material alteration in risk such as changes of address or use of premises. Any failure to disclose material information may invalidate your claim and render your policy void. Conflicts of interest It is the policy of our firm to avoid conflicts of interest in providing you with insurance. If this is not possible, we will notify you in writing in advance of completing such services. PM Brennan Financial Brokers Ltd will accept payments in cash, by cheque, bank transfer, finance facility and by credit/debit card in respect of all classes of insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995. There may be additional charge of up to 1.5% if premiums are paid by credit card. PM Brennan Financial Brokers Ltd is not authorised to accept cash or negotiable instruments in any other circumstances. Premiums are due on/or before renewal/inception date. Under the Central Bank legislation very strict rules apply in the payment of premiums to Insurance companies. We will not be able to pay premiums to insurers which have not been received from clients. Therefore, to avoid policy and cover cancellation, premiums must be paid strictly on or before renewal date or otherwise immediately prior to cover incepting. Default on payments by clients Our firm will exercise its legal rights to receive payments due to it from clients for services provided. In particular, without limitation of the generality of the foregoing, the firm will seek reimbursement for all payments made to insurers on behalf of clients where the firm has acted in good faith in renewing a policy of insurance for the client. Insurers and other product producers may withdraw benefits or cover in the event of default on payments due under polices of insurance arranged for you. We would refer you to policy documents or product terms for the details of such provisions. Any insurance arranged by PM Brennan Financial Brokers Ltd is subject to all the terms, conditions and exclusions of the policy of the insurer selected. You must read the insurer’s policy which you have been given or which are available upon request from us in order to satisfy yourself that the cover offered by the policy meets with your requirements. By accepting these Terms of Business, you acknowledge that you have read and understood the information contained within the policy selected. Whilst we are happy to receive verbal complaints it would be preferable to receive complaints in writing. We will acknowledge your complaint within 5 business days and we will fully investigate it as swiftly as possible. The complainant will receive an update on the complaint at intervals of not greater than 20 business days starting from the date on which the complaint is made. On completion of our investigation, we will provide you with a written report of the outcome. In the event that you are still dissatisfied with our handling of, or response to your complaint, you are entitled to refer the matter to the Financial Services Ombudsman or the Pensions Ombudsman. A full copy of our complaints procedure is available on request. P.M. Brennan Financial Brokers Ltd complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018. PM Brennan is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client. The data which you provide to us will be held on a computer database and paper files for the purpose of arranging transactions on your behalf. The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice, this will be given to all our clients at the time of data collection. We will ensure that this Privacy Notice is easily accessible. Please refer to our website www.pmbrennan.ie, if this medium is not suitable we will ensure you can easily receive a copy by post or e-mail. Please contact us at firstname.lastname@example.org if you have any concerns about your personal data. New consumer responsibilities arising out of the Consumer Insurance Contracts Act 2019 which was implemented to protect consumers. New Business & Renewal A consumer may cancel a contract of insurance, by giving notice in writing to the insurer, within 14 days after the date the consumer was informed that the contract is concluded. The insurer cannot impose any costs on the consumer other than the cost of the premium for the period of cover. (This does not affect notice periods already in place, i.e. 30 days in respect of life policies and 14 days in respect of general policies under respective pieces of legislation). The consumer is under a duty to pay their premium within a reasonable time, or otherwise in accordance with the terms of the contract of insurance. A court of competent jurisdiction can reduce the pay-out to the consumer where they are in breach of their duties under the Act, in proportion to the breach involved. Post-Contract Stage and Claims If, in respect of the insurance contract the insurer is not obliged to pay the full claim settlement amount until any repair, replacement or reinstatement work has been completed and specified documents for the work have been furnished to the insurer, the claim settlement deferment amount cannot exceed 5% of the claim settlement amount where the claim settlement amount is less than €40,000, or 10% of the claim settlement amount where the claim settlement amount is more than €40,000 An insurer may refuse a claim made by a consumer under a contract of insurance where there is a change in the risk insured, including as described in an “alteration of risk” clause, and the circumstances have so changed that it has effectively changed the risk to one which the insurer has not agreed to cover. Any clause in a contract of insurance that refers to a “material change” will be interpreted as being a change that takes the risk outside what was in the reasonable contemplation of the contracting parties when the contract was concluded. The consumer must cooperate with the insurer in an investigation of insured events including responding to reasonable requests for information in an honest and reasonably careful manner and must notify the insurer of the occurrence of an insured event in a reasonable time. The consumer must notify the insurer of a claim within a reasonable time, or otherwise in accordance with the terms of the contract of insurance. If the consumer becomes aware after a claim is made of information that would either support or prejudice the claim, they are under a duty to disclose it. (The insurer is under the same duty). If the consumer makes a false or misleading claim in any material respect (and knows it to be false or misleading or consciously disregards whether it is) the insurer is entitled to refuse to pay and to terminate the contract. Where an insurer becomes aware that a consumer has made a fraudulent claim, they must notify the consumer advising that they are avoiding the contract of insurance. It will be treated as being terminated from the date of the submission of the fraudulent claim. The insurer may refuse all liability in respect of any claim made after the date of the fraudulent act, and the insurer is under no obligation to return any of the premiums paid under the contract. We would also like to keep you informed of insurance, investment and any other services provided by us or associated companies with which we have a formal business arrangement; which we think may be of interest to you. Discover more about investing in precious metals such as gold, silver, and others. Utilize the gold ira oxford to purchase gold and silver bullion or to investigate a gold or silver IRA. Please advise us by ticking relevant box in the Terms of Business acknowledgement letter if and how you wish to be contacted. Client Instructions through Third Parties Clients sometimes authorise third parties to give us instructions (usually by telephone, fax or e-mail) to alter their policies (such as a motor dealer instructing us to make a vehicle change) or to seek information on their policy (such as a Building Society seeking information on the building sum insured). It is our practice in such circumstances to accept such instruction and/or provide such information in good faith as a facility to our clients. However, in such circumstances we do not accept liability for any loss, damage or injury arising out of any error or incorrect instruction given or providing any information where the request for information is invalid. If you do not wish us to accept such instructions and/or provide information on your policy from and/or to any person other than as authorised under the Irish Data Protection Act 2018, please email email@example.com or correspond by post. Electronic Communications of Insurer Documentation We may provide you with a copy of your policy documentation (including endorsements and/or renewal papers) in an electronic communication (e-mail) depending on what form we receive it from the Insurers. If we do not hear from you advising us not to send the policy documentation by e-mail, we will understand that this implies acceptance by you for the use of this form of communication. Either of us may terminate this Agreement by written notice at any time. Termination will not in any event affect accrued rights, existing commitments or any contractual provision intended to survive termination and will be without penalty or other additional payment save that you will pay: Any outstanding amounts due to us and/or to insurers with whom we have placed insurances on your behalf; and Any additional expenses necessarily incurred by us in settling or concluding outstanding obligations. We would remind you that it is not within our terms of authorization to accept cash or negotiable instruments except where an Insurer indemnity applies. We are members of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd. See below for details Investor Compensation Scheme The Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment firms, as defined in that Act. The Investor Compensation Company Ltd. (ICCL) was established under the 1998 Act to operate such a compensation scheme and our firm is a member of this scheme. Compensation may be payable where money or investment instruments owed or belonging to clients and held, administered or managed by the firm cannot be returned to those clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so. A right to compensation will arise only: If the client is an eligible investor as defined in the Act; and If it transpires that the firm is not in a position to return client money or investment instruments owned or belonging to the clients of the firm; and To the extent that the client’s loss is recognised for the purposes of the Act. Where an entitlement to compensation is established, the compensation payable will be the lesser of: 90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or Compensation of up to €20,000. For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955.

https://www.pmbrennan.ie/terms-of-business/

Custom Fire Features Outdoor Fireplaces add not only an eye-catching element but a functional element to any outdoor living space. Nothing brings a space to life and family and friends together like a warm, glowing fire. A beautiful outdoor fireplace is one of our most requested amenities, and it most often becomes the focal point of the outdoor living space. Fire elements also extend the use of your deck, serving as a heat source for the cooler months. When placed under a louvered roof or covered structure, its utility is even greater as the heat is centralized to a more enclosed area. With a simple yet strategic placement of a fire feature, your outdoor oasis is now a year-round extension of the home, with the versatility to comfortably support guests even in colder weather. At Deck Remodelers, we love designing with fire. We’re dedicated to bringing your vision to life. Adding fire to the backyard can be great for functional purposes such as keeping warm on a frosty day, or fire can serve as a dramatic element to the design of the deck, as is the purpose of our eye-catching Tempest torches pictured below. The customizable options for a fire feature are endless- gas-fired or wood-burning, you’ll have a vast selection of fireplace, fire pit, torches, and fire feature style options to choose from to accent and serve your space in the way you desire. The details of your fire feature will be tailored to fit the aesthetics of your home. Our in-house professional interior designer will eliminate the guesswork and guide you in the design process. They will help you choose a design and color selection for your fire feature and any outdoor furniture you may want for your space, leaving your outdoor oasis looking like it is out of a magazine. Adding a Fire Feature helps create new and lasting memories: making s’mores, toasting marshmallows and laughing with the kids. Perhaps just sharing a good bottle of wine with friends at sunset, or some hot apple cider on an October afternoon- a fire feature opens so many doors of opportunity for your deck or patio. Around the fire- day or night, a cool summer evening, or a brisk fall day- you can gather with friends and family and enjoy your outdoor living space for months to come.

https://deckremodelers.com/fire-features/

Specialist insurer Hiscox has released a new water leak detection service for customers after forming a partnership with LeakBot. This partnership makes Hiscox the first insurer in the UK to provide customers with a free LeakBot system. Bot new and existing buildings insurance policyholders will receive the tool. Hiscox hopes to prevent water damage claims, which it claims has an average cost of $8,500. LeakBot is an end-to-end claims mitigation system designed to combat water damage claims in homes by implementing its Thermi-Q technology to detect water leaks. The product can be used without the need of professional installation. It connects with the local Wi-Fi and if it senses a leak it will alert the property owner via their mobile with details of LeakBot engineers that can help find and fix the issue. Hiscox UK head of propositions Phil Thorn said, “Much like our customers, our goal is to protect their homes and smart solutions like LeakBot will become an increasingly fundamental part of this. It’s often the smallest, hidden leaks that go undetected and ultimately cause the most damage, so spotting these early is essential. Whether it’s a burst pipe or just a leaking tap, Hiscox is covering the cost of one specialist engineer visit per year to ensure expert support is on hand if a leak is detected. The insurer has tested the LeakBot service with select customers. Hiscox has formed a couple of other partnerships this year already. It recently inked a deal with CyberCube to improve its insights into potential systemic cyber risk. The insurer also signed a deal with insurance software developer Concirrus to bolster its marine insurance underwriting. Copyright © 2020 FinTech Global

https://fintech.global/2020/02/11/hiscox-to-offer-uk-customers-leak-detection-software-with-new-partnership/