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As a cleaning business owner, you might find yourself wondering: “What type of cleaning business insurance do I need?”. A cleaning business, referred to as a janitorial business, can be demanding and full of risks. As the business owner, you want to make sure you are covered with the right policy that will meet your company needs. First, a cleaning business can offer such a large variety of services that it is important to list the services that your specific business provides. This will ensure that your policy meets all of your needs. This is also a money-saving move because you will be purchasing the correct amount of coverage for your cleaning business. Here are a few examples of services your business might provide: - Trash removal and recycling - Restroom cleaning - Carpet cleaning - Upholstery cleaning, Waxing - Window cleaning - Exterior cleaning, such as power washing. Each service comes with its own risks, but not all risks are created equally. This is why it is critical to know what services you will provide or are willing to provide. This information is key to getting an accurate insurance quote and the right amount of coverage for your business. Different Types Of Cleaning Business Insurance and Why You Want Them - General liability, also known as slip and fall insurance, commercial general liability, or commercial liability, is typically the first type of insurance we suggest for any business. General liability insurance will cover your cleaning business in many instances of damage to the customer’s property, bodily injury, or lawsuit.Example: You are cleaning a customer’s house. While you are dusting, you break a valuable vase. Your general liability policy will cover the accident/damage to the customer’s property. If your cleaning business didn’t have a general liability policy, this would have been an out-of-pocket cost. - Workers’ compensation, also known as workers’ comp, is another valuable option for your cleaning business. Some states require workers’ comp insurance. This policy will cover your employees if they are injured on the job. This includes helping pay medical bills, lost wages, or in the event they try to sue your business legal fees will be covered. Example: Roger is employed with your cleaning business. In the process of cleaning a customer’s property, he falls from the step stool and injures his back. He goes to the urgent care and later completes physical therapy. Your workers’ comp policy will cover your employee by assisting with medical costs and lost wages. - Property insurance is another important coverage to consider. This type of policy will protect your building, furniture, and business equipment if there is damage, theft, or vandalism. In certain situations, you will be covered from weather damage as well. Example: A thief breaks into your office and steals important equipment. A property insurance policy will cover this incident and you can worry a little less. - A business owner’s policy is a great option to consider, since it bundles general liability and property insurance. Bundling policies can often save you money! Example: This policy covers your cleaning business in the same way as each individual policy. This policy, however, can save you money! - Professional liability, also known as errors and omissions, is an additional policy that comes in handy. This policy protects against negligence, civil suits, and professional mistakes. Professional liability will cover legal fees too.Professional liability is definitely needed when you are offering your expertise. Example: You are cleaning a customer’s custom wood table, but the cleaning solution you are using damages the piece of furniture. Your professional liability will assist in covering the damages. Which Insurance Coverage is Right For My Cleaning Business? After learning a little more about the different types of insurance for a cleaning business and knowing the services you are willing to provide, it will be easier to determine the best coverage for your business. It is always smart to purchase the most coverage you can afford. We typically recommend general liability insurance as a good starting point. We then suggest evaluating if you have employees or property to protect. Insuring your business for its associated risks is how any insurance company will help you determine the best policy for you. If you have employees, we suggest getting a workers’ comp policy. If you want general liability and property insurance, we would then suggest a business owner’s policy.

https://ramins.co/what-type-of-insurance-do-i-need-for-a-cleaning-business/

The purpose of this assignment is for you to initiate a risk assessment of a business of your own choosing. Use the provided Word template to complete the assignment. Once you have completed the template, please upload it into the assignment area within Blackboard. Please be sure to properly cite and reference any outside resources that you may use,Please explain, in a paper of at least 500 words, how you determined whether each risk was low, medium, or high impact, and include a more detailed plan for improvement. |Potential Action for Improvement |Failure to attract top talent |Human resource risk |Provide benefits and good remuneration |Fluctuation in currency exchange rates |High debt whose maturity is in the near future |Efficient administrative system |Changes in legislative or regulatory environment |Regulatory risk management program |Data loss through hacking |Ensuring the information systems and related software are up-to-date |Damage to physical property |Improve the security network |High staff turnover |Improve working conditions Failure to attract top talent is in the category of human resource risk. Failure to attract top talent is a high impact risk. The determination of risk impact examines the possible consequences of the risk occurring in the organization. Failure to attract or retain top talents can negatively affect the business’ competitiveness. This because businesses rely on the talent of their employees to develop innovative products that meet customer needs. Businesses can overcome this challenge by offering attractive benefit packages and remuneration to employees. This can reduce poaching of top talent by other businesses. Another risk is fluctuation in currency exchange rates since the business is international (Aubert, 2012). The risk impact is low. The impact of risk was determined through a qualitative assessment. In qualitative assessment, the risk manager looks at the probability of occurrence and the possible impacts. Although the probability of currency fluctuation is high, it might not have a significantly high impact especially in the long-run. Action for improvement involves currency hedging, which acts like some kind of an insurance against the impacts of currency fluctuations. Another risk is economic recession, whose impact is low. Determining the risk of economic recession involves examining the probability of occurrence and possible impacts. Incidences of economic recession are infrequent, meaning the risk is less likely to occur. Furthermore, businesses can be able to take measures to cushion themselves from the impacts. Potential action for improvement is downsizing the scale of operations. For instance, the business may reduce benefits or lay-off some employees. High debt is a financial risk with high impact (Aubert, 2012). In determining the risk of high debt, it is important to analyze the risk to business if the maturity date is reached. One possible consequence is receivership, which indicates that the risk of bad debts is high. It is also important to consider the impact on the business reputation. Bad debts damage the reputation of the business. A business can avoid bad debts by ensuring there is an efficient administrative system. This can help examining the cash flow estimates to determine if the business can be able to pay its creditors. Changes in the legislative and regulatory environment present a medium risk to the business. This risk is medium because it has a low probability of occurring. Furthermore, the regulatory risk can only affect a business only in circumstances where it is unable to respond appropriately to the new regulations or laws. A plan for improvement entails implementing a regulatory risk management program that can help in scanning, assessment, and monitoring of risks. Data loss through hacking or cybercrime presents a high risk to the business. This is a high impact risk since there is a high probability of occurrence and the potential for loss is high. Cyberattacks can lead to damage to the reputation and customer confidence. The potential action for improvement is the use of up-to-date information systems. Legacy systems have a higher chance of experiencing cyberattacks. Another high impact risk is damage to physical property, which is under process risk (Aubert, 2012). Modern commercial buildings are equipped with expensive machinery and other technologies, which may be difficult for the business to replace. Damage to physical property is high risk because of the high loss that can arise in the event that the risk occurs. The risk of damage is also high, which may result from fire, burglary or theft, natural disasters, and other reasons. A potential action is improving the security around business premises through hiring guards and installing CCTV. High staff turnover presents a medium risk to the business. The costs of replacing staff may be relatively higher. However, the management can be able to take action to prevent high staff turnover, which makes it a medium risk. A potential action is to improving the working conditions. Aubert, N. (2012). A world of danger. Retrieved from http://www.artscouncil-ni.org/images/uploads/business-support-documents/risk_guide_for_board_members.pdf

https://speedywriters.us/risk-management-2/

All RPAS (drone) pilots |File Classification No.: This Civil Aviation Safety Alert (CASA) is a reminder to Remotely Piloted Aircraft Systems (RPAS) pilots that airspace around and over a forest fire is closed to all aircraft not directly involved in firefighting operations. Disrupting air traffic around wildfires interferes with the safe and effective suppression of wildfires and presents a significant safety risk to firefighters, emergency personnel, and the general public. While drones can be used by emergency response teams for fire suppression, unauthorized drone use near wildfires increases the likelihood of a midair collision with firefighting aircraft, forcing response teams to ground their operations and putting lives at risk. According to Section 601.15 of the Canadian Aviation Regulations, the airspace surrounding wildfires is restricted to specialty air services involved in wildfire response. No person shall operate an aircraft, including drones, over a wildfire or any area located within 5 nautical miles (9.3 kilometers) of a wildfire at an altitude of less than 3,000 feet above ground level. Anyone who violates controlled or restricted airspace and endangers the safety of piloted aircraft could be subject to fines and/or imprisonment. Drone pilots must be aware of the location of controlled and restricted airspace. Prior to flying a drone in the summer months, ensure that there are no smoke plumes or active forest fires within five nautical miles. Consult local sources of information, such as the fire management agency website for your region of interest (province, territory or park): Learn more about how to fly your drone safely and legally: https://tc.canada.ca/en/aviation/drone-safety/learn-rules-you-fly-your-drone/flying-your-drone-safely-legally. For more information concerning this issue, contact the RPAS Centre of Expertise at 1-800-305-2059 or [email protected]. Original signed by RPAS Task Force The Transport Canada Civil Aviation Safety Alert (CASA) is used to convey important safety information and contains recommended action items. The CASA strives to assist the aviation industry's efforts to provide a service with the highest possible degree of safety. The information contained herein is often critical and must be conveyed to the appropriate office in a timely manner. The CASA may be changed or amended should new information become available.

https://tc.canada.ca/en/aviation/reference-centre/civil-aviation-safety-alerts/operation-remotely-piloted-aircraft-systems-rpas-near-wildfires-civil-aviation-safety-alert-casa-no-2021-11

Do I Need A Business Insurance Broker? Due to various factors, insurance premiums are expected to increase in 2023. Our team wants to ensure that you are informed and prepared to address these changes while ensuring your business is protected. Keep reading to learn why you need a qualified business insurance broker on your team to navigate your coverage options. Why are insurance premiums expected to increase? Catastrophic weather-related losses are one major factor. For example, natural disasters such as Hurricane Ian, European winter storms, flooding in Australia and South Africa, and hailstorms in France and the United States have resulted in an estimated $115 billion in insured losses. Rising inflation rates are the other contributing factor. Buildings and automobiles cost more to repair and replace, supply chain shortages have caused the cost of building materials to increase, and natural disasters also influence material shortages. What is a qualified business insurance broker? A business insurance broker is a licensed professional who helps businesses get insured and works with various carriers. They work directly with their client to find options that best meet their coverage needs. Think of them as a mediator between the insurance carriers and their client. Why do I need a qualified business insurance broker? Location, inventory, business type, and prior claims history (if applicable) all play a crucial role in determining necessary coverage. Even within the same field, businesses are unique and have specialized coverage needs. Due to this, it is rare to find a one-size fits all insurance policy. An insurance broker will walk you through the fine print of available policies and help you select the most beneficial. They can also ensure that you avoid policies that do not offer adequate protection. For example, they can evaluate your commercial property insurance and replacement cost policies to determine if it needs to be updated to account for inflation. They can also help assess your business income insurance limits, so your business is better prepared to face closure due to weather events. In some instances, your business might not require the complete insurance package offered. The business insurance broker can catch this and remove unnecessary policies, thus saving you money. If the broker realizes one coverage area is inadequate, they can recommend a commercial umbrella insurance policy to extend certain coverage. A qualified business insurance broker can navigate your business insurance policies and create a cost-effective package based solely on your specific needs. This can help combat increasing insurance premiums by ensuring that you purchase policies that can make a difference. Are you ready to add a qualified business insurance broker today and prepare for increasing premiums? Reach out and get a quote today!

https://www.alliedinsmgr.com/business-insurance-broker/

Setting up and managing a business in the Mercer Island area takes a lot of hard work, patience and dedication. It also means that most business owners will have to find a great location from which to operate their new enterprise. Local entrepreneurs may end up investing a great deal of money in a commercial location that is ideal for attracting customers and doing daily business. This means that their building will represent a significant financial investment. It’s important to make sure that this building is protected in the event of an accident or emergency. The best way to obtain this kind of protection for a reasonable price is to invest in high quality, commercial insurance coverage. These kinds of policies are available with the use of commercial buildings and owners insurance services in Mercer Island. Simply by making a phone call to American Insure-All®, local business owners can get a head start on their insurance needs. Here at American Insure-All®, we have a legacy of helping our customers get the best insurance coverage for their money. We also understand that our business customers have a unique set of needs when it comes to insurance policies. Whether it’s insurance for their property or a coverage plan for their employees, we strive to find the best deals on a variety of great policies. As a locally based, independent insurance broker agency, we feel that we have a strong connection to business owners in the Western Washington region. This connection gives us the ability to provide a level of customer service and personal attention that just can’t be matched by large, impersonal insurance providers. We work with over 52 different insurance companies so that we can always find a policy that is ideal for each customer. This also means that finding coverage doesn’t take very long. As soon as our customers give us a call, we can get right to work finding them a policy. We also give free insurance quotes right over the phone. To learn more about our commercial buildings and owners insurance services in Mercer Island, just call American Insure-All® today at (888)411-AUTO.

https://www.americaninsureall.com/commercial-buildings-and-owners-insurance-services-in-mercer-island.aspx

Why need for Specialized Industry Focused Training Programme on Risk Assessment and Fire (Property) Insurance? Most businesses realize at the time of claim that the claim amount is not payable because proper risk assessment has not been done at the time of taking the policy. Businesses fail to realize that risk cannot be managed only by taking an insurance policy. It is their responsibility for maintaining a safe environment to conduct the business. The insurance policy will not cover the risks associated with an organization if it fails to fulfill the conditions attached to the policy. This programme will give an opportunity for participants to interact with faculty, who have vast experience of dealing with businesses and claims worldwide. Participants will be able to learn about common mistakes that cause hardship to organizations. Fire not only causes losses to an organization’s assets and life but severely affects the goodwill and future growth of the organization. In many cases owner, promoter and directors face prosecutions as we have noticed in the case of fire in certain cinema halls/ hospitals in recent years in different parts of the country. Objectives of the Training Programme: This training programme is very practical in nature and is a case study based to provide a practical understanding of risks associated with fire and allied perils. The aim is to discuss and come out with solutions for difficulties faced during the purchase of insurance policy, lodging and settlement of claims. The programme is structured in such a way that it promotes interaction among managers/ executives of: - Firms who purchase fire insurance policies - General Insurance company involved in business development, selling, underwriting and managing fire insurance claims - Insurance brokers who are most important insurance intermediary - Surveyors who are an important link in processing/ settlement of insurance claims Topics to be covered: Every session will be followed by Questions/ Answers so that a high level of clarity is achieved, which assists you in your career development. - Risk Assessment – It’s a Necessity - Fire Hazards and Fire Prevention – It’s Importance - Important Clauses under fire insurance - Perils and Add on cover - Tips to avoid disputes in fire Insurance Claims - Claims Procedure – how to expedite it explaining with live cases - Legal Aspects & Procedural Aspects - Case Studies Who Should Attend the Training Programme ((Target Participants)? This is a good opportunity for: - Managers/ Risk Managers handling the purchase of insurance and lodging of claims from - Trading companies - Manufacturing firms - Exporters/ Importers - Educational Institutes - Shopping Malls/ Multiplexes - IT companies - SME’s e.t.c - Managers/ Executives of Insurance Brokerage Firms – Business Development/ Underwriter/ Claim Department. - Managers/ Executives of General Insurance/ Reinsurance Companies involved in business development, selling, underwriting and management of claims - Surveyors (members of Indian Institute of Insurance Surveyors and Loss Assessors) - Consulting firms providing risk management services, claims management services - Academic-Faculty members/ students specializing in Insurance planning to make a career in General Insurance. What you can expect from the Training Programme? This executive development programme on Risk Assessment and Fire Insurance Claims will provide the participants with comprehensive, multifunctional perspective on how to assess risk, maintain processes for risk mitigation, comply with statutory procedures on containment of risk and management of claims. - How to get a claim payment in 60 days – Insurance client - How to get your client’s claim settled in 60 days – Insurance Brokers - How to complete your assignment in 30 days – Insurance Surveyor - Managing your risk – cost-effectively – Insurance client/ Managers of Insurance companies. 60 days to the passing of an insurance claim is what we will focus on. Time is money, as the claims process gets extended the cost for all the stakeholders goes up. It results in financial and goodwill loss for all the stakeholders, who are involved. Training/ Delegate Fee: Participation fee (Includes Training, Study Materials & Lunch) - Individual participant fee: 3500/ - Group participation fee (team of 3 persons and above): Rs.3250/-each. - Group participation fee (team of 5 persons and above): Rs.3000/-each Note: Prior registration/ confirmation are requested to attend this Training Programme so that Certificates/ Logistics/ Study Material & Lunch can be arranged accordingly. Certificates will be issued to the participants on completion of this Training Programme. Ms. Shveta Kaushal Programme Coordinator, Insurance Foundation of India, Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi – 110065

https://www.ifingo.org/seminar-training/risk-assessment-and-fire-property-insurance/

Insurance Coverage for Medical Students Medical students at the Robert Larner, M.D. College of Medicine at The University of Vermont are covered by a number of insurance plans. Please refer to individual policy statements for additional details. |Type of Insurance Accidental Death and Dismemberment and Long Term Disability Insurance The Standard Insurance Company - All medical students are enrolled upon matriculation. - Obligatory annual fee charged by Student Financial Services once per year (with Fall bill) Disability Insurance 840.00 UVM Student Health Insurance Plan (SHIP) or verification of comparable coverage. - All medical students are required to have health insurance. Annually students must sign up for coverage offered by the University or supply the name of their insurance provider. - If SHIP plan is chosen, Student Financial Services initiates the charge alongside tuition each term. Health Insurance 830.00 Center for Health and Wellbeing Professional Liability Insurance Pinnacle Consortium of Higher Education/Genesis Insurance Company through Marsh USA - All UVM medical students are covered by professional liability insurance for credit-bearing rotations, including those taken outside of the University of Vermont Healthcare Network. - No fee (tuition accounts for it). Coverage is confirmed by the appropriate level coordinator in OMSE. Policy details can be provided on request. Coverage is renewed annually on July 1. Department of Risk Management & Safety Applicability of the Policy All Medical Students Related Larner College of Medicine Policies Related University of Vermont Policies Related Liaison Committee on Medical Education (LCME) Standard(s) 12.6 Student Health and Disability Insurance - 5/24/2016 Policy Adopted [Medical Curriculum Committee] - 12/17/2019 Policy Revised [Medical Curriculum Committee] - 4/21/2020 Policy Revised [Medical Curriculum Committee] - 2/15/2022 Policy Revised [Medical Curriculum Committee] Associate/Assistant Dean for Students (Director of Student Well-being) Previous | Next

http://www.med.uvm.edu/studenthandbook/82500

Fire protection is a top concern for any commercial or industrial property owner. Thousands of nonresidential fires occur each year resulting in serious injuries, loss of life, and billions in property damage. In this article, we’ll focus on the benefits of intumescent fireproof coatings. What Are Intumescent FIreproof Coatings? Intumescent coatings, often referred to as intumescent paints, are used in buildings as a passive fire resistance measure. Intumescent means “swelling.” When an intumescent coating is heated by flame, it swells into an insulating barrier to protect the material it covers from intense heat. Intumescent coatings are typically used as a finish on exposed structural steel or concrete. These coatings look like a thin layer of paint and are usually applied in several layers to create the thickness and level of protection required by local building codes. Intumescent Fireproof Coatings Advantages 1. Stops or Slows the Spread of a Fire The flame retardancy properties of intumescent coatings allows steel structures to retain their strength in the event of a fire. When properly applied, these coatings can significantly extend the time it takes for steelwork to reach critical failure temperatures. Fireproof coatings help ensure a building keeps its structural integrity in the event of a fire, allowing occupants time to escape, minimizing property damage, and protecting firefighters from harm. 2. Protects What’s Underneath A layer of char is formed by an intumescent coating when it comes into contact with excessive heat from a fire. Char acts as insulation protecting the underlying surface from damage. This protection time can last anywhere from 30-120 minutes, depending on the intensity of the fire and the particular product in use. In many cases, the dry char foam can be scraped off and the surface cleaned and repainted, significantly reducing restoration costs after a fire. 3. Can Be Applied on Virtually Any Surface Intumescent coatings are an ideal choice for commercial settings where combining safety and appearance is important. There are different finishes available and pigments can be added to provide the desired finish color. Because intumescent coatings resemble ordinary paint, they can be used to protect a variety of building materials including steel, concrete, wood, and gypsum. Intumescent coatings allow designers to obtain an aesthetically pleasing finish on exposed structural steel while providing fire protection. 4. Added Protection for Steel Structures Buildings used for manufacturing, storage, and other industrial operations are exposed to harsh conditions on a daily basis. Steel construction requires protective coatings that are capable of handling and withstanding challenging environments. In addition to passive fire protection, intumescent coatings can help protect steel structures from corrosion, impact damage, and frequent temperature fluctuations. 5. Meets Building Code and Insurance Requirements In the United States, both the International Building Codes (IBC) and the Life Safety Code (NFPA 101) provide criteria for proper fire protection. Fireproof coatings are often required to meet local building code requirements and to qualify for insurance coverage. Most local building codes require a higher fire rating for commercial buildings than for residential structures. It’s important to work with an experienced paint contractor who understands local building codes and regulations when applying fireproof coatings. What Types of Facilities Need Fireproof Coatings? Every commercial facility should have a fire protection system in place to help guard against disaster. Along with smoke detectors, alarm systems, sprinklers, and evacuation plans, fireproof coatings are an important component of a comprehensive fire protection system. Intumescent coatings are a great solution for warehouses, office buildings, industrial facilities, and any other building that needs fireproofing protection, especially where there is exposed structural steel. Selecting a fireproof coating is a complex process. The coating must protect the steel from corrosion in its particular environment, be easy to apply and result in a high aesthetic finish. Most importantly, it must protect the underlying structure from heat and flames in the event of fire. Working with an experienced contractor is the best way to ensure your facility is protected with the right fireproof coating. When You Need Fireproof Coatings, Hire the Pros Unlike general paint applications, fireproofing is highly specialized and requires experience and the right products. Adam Roe Painting provides fireproofing services for industrial and commercial properties throughout Treasure Valley and the greater Boise area. Our professional technicians follow strict safety guidelines and will ensure your facility is properly protected. In business since 1985, Adam Roe Painting provides the highest quality results and best customer service in the industry. We offer custom color matching, a residential exterior warranty of 5 years, and a one-year warranty on commercial and industrial projects. Contact us online or call (208) 306-4240 to discuss your project. We look forward to working with you.

https://arppainting.com/5-benefits-of-intumescent-fireproof-coatings/

Ember Defense Partners with FireGuard Prevention Services to Offer Phos-Chek Fortify Fire Retardant to Customers FOR IMMEDIATE RELEASE: (06/22/2021): Ember Defense will now offer customers the option to apply Phos-Chek® Fortify fire retardant around their home or business via their new partner, FireGuard Prevention Services. Phos-Chek® Fortify is an environmentally-benign fire retardant that can be sprayed on vegetation, decks, and fences around the home, rendering them non-flammable. Easily applied once a year, Phos-Chek® Fortify will last through the fire season and wash away with heavy winter rain. Originally developed by Stanford University researchers, Phos-Chek® Fortify fire retardant has proven successful against ember ignition. Phos-Chek® Fortify is composed of phosphates found in fertilizers and ingredients approved by the FDA for human consumption therefore safe for plants, animals, pets, and residents. The defensible space specialists at FireGuard Prevention Services will inspect and assess the critical 30-foot perimeter around a home or business to apply Phos-Chek® Fortify to diminish the risk of ignition in the case of a wildfire. Ember Defense customers can choose to have Phos-Chek® Fortify applied to flammable materials around the home that they may not want to remove while creating critical defensible space. With the help of FireGuard Prevention Services, Ember Defense can now offer homeowners another layer of defense from wildfire destruction. “This partnership is the beginning of the new standard in wildfire resiliency for our communities and businesses in California and beyond,” says FireGuard Prevention Services CEO Michael Lozano. “By working in collaboration with homeowners, communities, business owners, counties, and the Fire Service, we are actively increasing the level of preparedness and tangible resilience through education, combined services, and custom solutions.” While it is best for homeowners to be prepared for fire season by applying Phos-Chek® Fortify far ahead of fire season, Ember Defense and FireGuard Prevention Services are able to service a home when there is a fire burning nearby. The Phos-Chek® Fortify Rapid Response service provides application to vegetation, fence lines, and decks with a fire approaching. As long as the area is not under mandatory evacuation, Ember Defense and FireGuard Prevention Services will be able to spray Phos-Chek® Fortify fire retardant around the home or business protecting it from igniting and potentially burning down. Ember Defense looks forward to working with FireGuard Prevention Services to provide homes and businesses with another vital line of defense from wildfire risk. Visit https://emberdefense.com/fireguard/ for more information.

https://emberdefense.com/blog/fireguard-services-phos-chek-fortify/

A new study has found evidence that commercial drivers might lie about sleep apnea problems because they are fearful of losing their job. Sleep apnea is a condition that causes a person’s breathing to be disrupted as they sleep. As a result, they frequently do not get a restful night’s sleep, which can have a variety of severe consequences. People with sleep apnea may experience headaches and drowsiness when they are awake. They may also suffer from depression. For people whose jobs require them to be on the road frequently, sleep apnea can be a major problem. A driver suffering from sleep apnea is at risk of causing an accident. Commercial drivers, such as bus drivers, taxi drivers and truck drivers, can lose their job if it is believed that sleep apnea affects their performance. A new study looked at sleep apnea sufferers in two groups. They focused on 37 commercial drivers and 74 people who did not drive as part of their job. The study found that the commercial drivers rated their level of sleepiness during the day several points lower than the non-commercial drivers. In other words, the commercial drivers indicated they were not as tired as the non-drivers. The study also discovered that commercial drivers were less likely to receive treatment for their condition; however, they had more spontaneous trips to sleep clinics. Researchers believe this could mean the commercial drivers did not have control of their symptoms and were suffering more than they claimed. Researchers hypothesized that the commercial drivers were downplaying their symptoms for fear of losing their jobs. Because they had more unexpected visits to sleep clinics than the non-commercial drivers, researchers concluded that the drivers were struggling more with their symptoms. If commercial drivers cannot feel safe admitting to problems caused by sleep apnea, they may never get the treatment they need. They also put themselves and others on the road at risk. Source: U.S. News, “Bus, Truck Drivers May Downplay Sleep Troubles,” September 5, 2012. Our firm handles situations in which individuals sustain injuries due to motor vehicle accidents. If you would like to learn more about our practice, please visit our Atlanta truck accident page.

https://gsllaw.com/blog/commercial-drivers-with-sleep-apnea-may-not-admit-to-drowsiness

Business Insurance in and around Washington This Coverage Is Worth It. As a business owner, you have to think about all areas of business, all the time. The details can be overwhelming! You can maximize your efforts by working with State Farm agent Max James. Max James understands where you are because all State Farm agents are business owners themselves. You'll get a business policy that covers your concerns and frees you to focus on growing your business into the future. Customizable Coverage For Your Business State Farm has been helping small businesses grow since 1935. Business owners like you have relied upon State Farm for coverage from countless industries. It doesn't matter if you are a barber or a massage therapist or you own an art store or a shoe store. Whatever your business, State Farm covers it with customizable policies that meet each owner's specific needs. It all starts with State Farm agent Max James. Max James is the person who understands where you are firsthand because all State Farm agents are business owners themselves. You'll get a business policy that covers your worries, which will help you maximize your efforts to grow your business into the future. Reach out to State Farm agent Max James today to see how one of the leaders in small business insurance can ease your business worries here in Washington, DC.

https://maxjamesdc.com/insurance/business

Workers compensation insurance Workers compensation insurance Workers compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees. Does your small business need workers compensation insurance? For almost all businesses in the United States, yes. Workers’ compensation insurance usually isn’t optional. While workers’ comp laws vary by state, small businesses typically need a policy in place as soon as they hire their first employee. Even when not required by law, this policy provides important protection against medical expenses and employee lawsuits related to workplace injuries. You can rely on workers’ comp if you or an employee needs medical care or time off due to a workplace injury – or if an injured employee sues you for failing to prevent an accident. If you don’t carry workers’ comp insurance, your business will be responsible for any medical bills and legal fees. And most states levy costly penalties for noncompliance. Small businesses find workers’ comp essential for three reasons: - Most states require workers’ comp coverage. - It covers medical expenses and partial lost wages due to a work injury. - Most policies also cover the cost of employee lawsuits related to a work injury. Why is workers’ compensation coverage important? A serious workplace injury could financially devastate your business. Many small businesses can’t afford to pay medical bills out of pocket, whether it’s treatment for carpal tunnel syndrome or a broken leg. Without workers’ comp coverage, both you and your employees are left in a difficult situation. Does workers’ compensation protect against employee lawsuits? In many states, yes. Most workers’ compensation policies include employer’s liability insurance to protect your business if an injured worker files a lawsuit against you for not preventing a workplace accident. If an employee sues for negligence, your insurance company will pay for: - Attorney’s fees - Court costs - Settlements or judgments Business owners in North Dakota, Ohio, Washington, and Wyoming do not have employer’s liability insurance included in workers’ comp. In these states, workers’ comp policies are purchased from monopolistic state funds, which do not offer this coverage. Insurance companies sell stop gap coverage to protect you from employee lawsuits. Does workers’ compensation help cover fatal accidents? Yes, most workers’ compensation policies include death benefits. These help a deceased employee’s loved ones pay funeral and burial costs after a fatal workplace accident. Workers’ comp can also provide financial assistance for the deceased employee’s family. Does workers' compensation cover employees who contract COVID-19? It typically depends on where an employee contracted COVID. Workers' comp insurance protects employees from on-the-job injuries and illnesses. If an employee is exposed to the coronavirus because of their job, then this policy should provide coverage. For example, a nurse caring for sick patients or a grocery store worker who deals directly with the public would both have a stronger claim than an office worker. Workers’ comp doesn't cover diseases unrelated to employment. Your state's laws could potentially help cover costs related to COVID-19. If you think you might be eligible for a claim, contact your insurance agency’s claims department. How much does workers’ compensation insurance cost? - Number of employees - Industry and risk factors - Coverage limits - Claims history

https://mesothelioma.alber.id/2022/07/workers-compensation-insurance.html

Car accidents can have life-altering consequences and may result in long-lasting medical bills. Among proving fault, battling the insurance company is just one of the many obstacles you will face after the accident. Many clients aren’t aware of the limitations of their car insurance policy and how this will impact their recovery. When someone is injured in an accident involving a commercial vehicle, there is often plenty of insurance coverage to compensate the victim. This is typically not the case with smaller personal insurance policies. Understanding how auto insurance policies work can help you understand your coverages. Rare is the liability insurance policy that does not have limits. This means that the insurance company will not pay more than the limits that have been set on the policy, regardless of whether your injury claim is more. You can sue for any amount; however, you may not get a judge or jury to award that amount. Even if you win your lawsuit, it’s important to remember that the funds have to be available for collection. If the other party has a relatively small insurance policy, you may not be able to collect. While you may win a huge amount legally, you may only practically be able to collect if sufficient insurance proceeds are available. There are typically two types of bodily injury limits on liability policies in Kentucky. “Per Accident” limits cap the amount of money the insurance will pay for any given accident when there are two or more injured people. “Per Passenger” limits cap the amount of money that will be paid for each passenger involved in the accident. You can carry as much bodily injury liability coverage as you’d like, though there are minimum required coverages in each state. As you are required to only carry the minimum, you will find that there are many drivers who only have the minimum coverages. Typically, the insurance companies will decide how the coverage is divided between the parties involved in a “per accident” payout. All parties must come to some agreement with how this is split. If no agreement is reached, then the insurance adjuster will sometimes hold settlement until an agreement is reached on how to divide the money. This is where an experienced accident attorney can help you negotiate with the insurance company. An injured party is not required to accept the insurance settlement. Instead, they may pursue the claim in court. Often it is better to negotiate with the insurance company unless the other party is on a commercial policy. This is because many people are “judgment proof” or don’t have sufficient assets to pay a sizable lawsuit. Even if the at-fault party has the assets, it can be difficult to collect. If the other party files for bankruptcy, then you may have no realistic options for future collection. It’s typically better to hire an attorney and maximize the amount the insurance company pays you. Your lawyer will investigate, collect evidence and present your case to the insurance company. Your lawyer can also help negotiate medical liens or other claims to help maximize your recovery amount. At Saladino & Schaaf, we have years of experience representing Kentuckians in personal injury lawsuits. If another driver injured you in an accident and you need help, it’s important that you speak with a lawyer today. Complete our online contact form or call (270) 444-0406 today for a free consultation. Saladino & Schaaf, PLLC is dedicated to providing high quality, aggressive legal representation to victims of personal injury and wrongful death. Since 1984, this firm and its predecessors have had one goal in mind – to help the victims of personal injury put the pieces of their lives back together. Saladino & Schaaf, PLLC is a Personal Injury Law Firm with offices in Paducah, KY and Murray, KY. We serve clients throughout Kentucky and Illinois. This website is designed for general information purposes only. The information presented should not be construed as legal advice nor the formation of a lawyer/client relationship. The results and testimonials on this website are not an indication of future success. Every case is different, and each case must be evaluated on its own merit. No representations are made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Services may be provided by others. Client may be responsible for court costs and/or case expenses.

https://saladinolaw.com/insurance-policy-limits/

Utah food trucks are a gathering place of diversity and celebration for our communities, as chefs bring their culinary creations into our neighborhoods. Just as important as your craft is the right insurance protection. Food truck insurance can be basic providing general liability and commercial auto insurance to keep the cost down, or you can add additional coverage to give you the better protection. Here’s a list of food truck insurance coverage to consider for your Utah food truck. GENERAL LIABILITY: Provides coverage for incidents such as slip and fall or if someone were to break a tooth on a bone left in the food. This coverage is very broad and if you are participating in the Utah Food Truck League or catering to large businesses, you will need limits of at least $1,000,000/$2,000,000. COMMERCIAL AUTO: Provides coverage for your food truck while parked or on the road. Just like personal auto insurance, you will need liability coverage and can add collision and comprehensive “full coverage”. If you have a food trailer, you will still need a commercial auto policy to extend liability to the trailer while in tow. You will also need to add collision and comprehensive coverage to cover the trailer against fire, theft, collision, etc. Coverage can also be added for permanently installed equipment. You may also need limits of $1,000,000 to satisfy the Utah Food Truck League or other business you will be catering to. BUSINESS PERSONAL PROPERTY: Covers cooking equipment, utensils and food stock. BUSINESS INCOME: If you have a fire, theft, auto accident or other covered loss, business income protects you against lost revenue and additional expense until you get back to business. Different limits are available. EQUIPMENT BREAKDOWN: Provides coverage for damage to your electrical, mechanical and pressure systems. An example is damage to a freezer from a power surge causing failure to the system. See the policy for details, normal wear and tear and failure due to the age of the equipment is generally excluded. BLANKET ADDITIONAL INSURED: Your food is great, and everyone wants to hire you! You will need a blanket additional insured endorsement to extend coverage to all of the vendors who hire you. EMPLOYEE DISHONESTY: This is another coverage to consider, in the food industry it’s easier to steal money from an employer and you may want to add this coverage. Let Anderson Insurance Group’s food truck insurance experts protect your business with the best food truck insurance in Utah. FOOD TRUCK INSURANCE – Salt Lake City – West Valley City – Orem – Ogden – West Jordan – Utah Anderson Insurance Group – 801-262-1551

https://www.anderson.insure/food-truck-insurance/

A two-wheeler insurance policy is a regulatory requirement and cannot be skipped, especially by a bike owner. The Motor Vehicles Act of 1988 makes it mandatory for all vehicles registered in the country to have an insurance cover, and two-wheelers are no exception to this rule. When buying a two-wheeler, its insurance cover can either be purchased among the handful of alternatives offered by your dealer or directly from the insurance company. Buying a policy directly from the insurer has its advantages. When it comes to buying from the insurance company, you have two alternatives—to buy bike insurance online or choose the traditional offline mode. Using the online alternative is faster, as you no longer need to visit the insurance company’s office to buy a plan. Moreover, an online purchase helps to choose a policy among the myriad of insurance plans, thereby letting you avail nothing but the best insurance coverage. In addition, online policy purchase enables you to take advantage of a nifty tool known as the bike insurance calculator. With this tool, you can not only compare insurance plans offered by the same insurance company, but also by other competitors. Thus, you can avail of a suitable insurance cover based on your requirement and your budget. A highlight of such a two-wheeler insurance premium calculator is that it is available online and free is to use. So, you need not download applications either on your mobile or desktop to know the premium amount. How to compute your two-wheeler insurance premium amount online? Calculating the estimated two-wheeler insurance premium is a simple five-step process. It is as follows: Locate the two wheeler insurance premium calculator on your insurer’s website. Input details about your bike, its model and make, including its registration details like state and year of registration. Enter any details about the accumulated no-claim bonus, if any, from the previous insurance company. To transfer such an accumulated NCB, you will be required to obtain an NCB transfer certificate from your previous insurance company. Select details about the type of policy, along with any additional insurance covers selected. For instance, you can choose a personal accident cover as well as add-ons for applicable policy types. Hit the submit button to receive the computed amount of premium based on the policy features you have selected. * Standard T&C Apply What are the advantages of using a two-wheeler insurance premium calculator? - A two-wheeler insurance premium calculator helps you make an informed decision, not just about selecting the right type of policy—third party bike insurance or comprehensive insurance—but also about suitable insurance coverage within. - You can get an idea of which factors have a direct bearing on the premium calculation. - Knowing the approximate amount of premium helps to plan your purchase in an organised fashion. - Since no intermediaries like insurance agents are involved, the buying decision is unbiased and completely yours. * Standard T&C Apply With these simple steps, it is a quick hassle-free process to not just know your premiums but also compare similar insurance plans. So, take full advantage of this handy tool the next time you are buying an insurance policy for your bike. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

https://www.bajajallianz.com/blog/motor-insurance-articles/all-about-two-wheeler-insurance-premium-calculator.html

FIRE BAN & FIRE DANGER RATING ADVICE FOR 05 January 2020 Issued at: 16:48 on 04 January 2020 TOTAL FIRE BAN- KANGAROO ISLAND Despite a forecast Fire Danger Rating of High, SA Country Fire Service (CFS) has declared a Total Fire Ban for Kangaroo Island tomorrow. This is due to the significant fire behaviour on the Island. The CFS asks the community on Kangaroo Island to not undertake any risky or unsafe behaviour, that could cause more fires to start. The Total Fire Ban will apply for 24 hours from midnight tonight to midnight tomorrow. Due to the fires, the CFS recommends that you implement your Bushfire Survival Plan. If you don't have a plan to ensure your survival, leaving early before a fire starts is your safest option. In making your plan, you should be aware that in high fire danger conditions, essential services including mains-fed electricity and water supply may not be available due to the prevailing weather conditions. Landowners are asked to adhere to local harvest codes of practice which are available from your local council. Agencies are advised to activate their Total Fire Ban procedures in preparation for these predicted fire weather conditions. For further information contact the Bushfire Information Hotline on 1800 362 361 or visit https://www.cfs.sa.gov.au

https://www.cfs.sa.gov.au/home/criimson/cfs-fire-ban-and-fire-danger-rating-issued-04-jan-16540004459/

Farm Property Insurance Quote Forms Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates. Farm Property Insurance Information Farm property insurance helps cover your home if you live on a farm, ranch or hobby farm. It may also provide coverage for other structures on your property, such as greenhouses, barns, shelters for animals and outbuildings. Farm and ranch insurance plans are tailored to meet the organization’s needs. Unlike homeowner’s insurance, farm property insurance extends coverage to include structures other than your home. Contact Garrison Agency today to find out if farm property insurance may be a good fit. What Is Farm Property Insurance? Farm property insurance is a crucial part of a farm and ranch insurance plan that helps provide insurance coverage for your on-site home, personal possessions and other structures on the property. This policy is similar to homeowner’s insurance but provides broader coverage. What Does a Farm Property Insurance Policy Cover? A typical farm property insurance policy may cover the following: - The on-site home and its contents - Barns and other structures on the property - Trees, lawn, plants and shrubs - Fences and sheds - In-ground pools - Detached garages - Your legal liability for third-party injuries and property damage Farm property insurance may provide financial protection from the following: - Severe weather - Theft and vandalism Your agent can help you customize your farm property policy to provide appropriate coverage for your needs. Depending on your farm’s risks and perils, your agent may recommend that you also purchase the following farm and ranch insurance coverage: Should You Get Farm Property Insurance? - Commercial auto insurance - Tractor insurance - Livestock insurance - Crop insurance - Umbrella insurance - Farm products insurance - Unemployment insurance If you own and occupy your farm property, your agent can help you get the right farm and ranch coverage for your situation. Contact the agents at Garrison Agency in Guymon, Oklahoma, to start building your customized farm and ranch insurance plan, today and get personalized quotes.

https://www.garrisonagencyinc.com/farm-property-insurance/default.aspx

–Commercial Air Conditioners Smart, energy efficient and reliable commercial Air Conditioning solutions Hitachi's commercial air conditioning units are specifically designed for commercial use, providing efficient cooling and heating solutions for businesses and commercial buildings. With over 70 years of expertise in AC design and manufacture, Hitachi combines advanced hardware, software, and control interfaces to deliver the best AC units for commercial use. Whether you need an AC unit for a commercial building or a specific commercial project, Hitachi offers a diverse range of commercial air conditioning systems to suit your requirements – End-to-End HVAC solutions – High quality control standards for Commercial Air Conditioning – Lowering the cost of centralized control systems for HVAC systems – Breathe easy with Hitachi's commercial ac units – Hitachi Air Conditioners for Commercial Spaces With over 80 years of experience, we are confident that our range of cooling and heating solutions provides households and businesses with the leading climate control technology to create and maintain the perfect indoor environment. Meeting the evolving requirements of our clients means that we are constantly innovating our systems, resulting in a collection of elegant and efficient options that are designed to adapt to you and the spaces that they inhabit. We cater for all types of projects and offer an extensive range of solutions so that you can find the system right for the job. To see our ranges of residential and commercial solutions, click here, and if you are interested in receiving more information from a professional installer, find your nearest using our Partner Locator.

https://www.hitachiaircon.com/vn/en/ranges/commercial-air-conditioning-and-vrf-systems

K.C. Estate Management will proactively provide all residents with the information they need to help them understand the protections that are in place to keep their building safe. We will ensure that the information provided is sufficient, relevant and in a format that can be understood by residents. As a standard practice we will provide: • The measures we have in place to mitigate potential fire and building safety risks to residents, e.g. fire precautions; • Information for residents detailing how they can reduce the risk of fire in individual dwellings e.g. by not storing flammable materials; • A process for reporting a fire risk and/or raising any other safety concerns; • Procedures to follow where a fire occurs in the building, including for evacuation; • The different roles and responsibilities of the accountable person, Building Safety Manager and residents; • Key information such as the contact details of the accountable person and Building Safety Residents will also be entitled to obtain further and more detailed information about the safety measures in their building if they wish and such information may include (but is not limited to): • Full, current and historical fire risk assessments; • Planned maintenance and repairs schedules; • Outcome of building safety inspection checks; • How assets in the building are managed, e.g. frequency of lift maintenance; • Details of preventive measures, e.g. smoke alarms; • Fire protection measures in place, e.g. sprinklers, fire extinguishers; • Information on the maintenance of fire safety systems; • The fire strategy for the building; • Structural assessments; We will implement a process for dealing with requests for information. We will aim to provide residents with the documents they request within 5 working days. How safety information should be provided at the start of a new tenancy. At the start of every tenancy, we will provide a fire action notice within the sign-up pack. Within 1 week of a new tenancy starting, we will contact residents to share building safety and will answer any queries they may have at that point.

https://www.kingschelseaapp.com/it/kings-chelsea-s-building-safety-resident-engagement-strategy

Because your company is unique, you can tailor manufacturing insurance coverage to best fit your company’s needs. Contact Farmer Woods Group to learn more. Request Quote or Contact Us Call: (602) 264-0566 What You Need to Know About Manufacturing Insurance What is manufacturing insurance? The term manufacturing insurance covers a wide range of policies available for purchase by manufacturing companies. There isn’t one, all-encompassing insurance policy for manufacturing that will cover your entire range of risks. However, there is an upside. Because your company is unique, you can tailor coverage to best fit your company’s needs. You can find coverage options for all types of manufacturing. Some examples of different manufacturers include: - Bottling and Canning - Clothing Manufacturers - Textile Creators - Meat Packing Plant - Furniture Manufacturers Who needs manufacturing insurance? This answer can vary from business to business, but a good rule of thumb is “anybody with a manufacturing company.” Consider doing a brief self-evaluation by asking yourself the following questions: - Does your company have the finances to survive a mass product recall? - Can your manufacturing facility afford excess downtime if a natural disaster happens? - Will you be able to repair or replace heavy machinery if it breaks down? If your answer to any of these questions is yes, it is strongly recommended that you protect yourself and your business with manufacturing insurance. What manufacturing insurance coverage do I need? The exact coverage you choose will vary because your company and its risks are unique. However, there are some core policies we strongly recommend for all manufacturing company owners. If you employ any number of workers who are not considered owners of the business, then you are legally required to maintain a workers compensation policy. You do your best to maintain a safe work environment, but if any of your employees are injured or become ill on the job, you are legally responsible. A workers compensation policy can cover the payment of your employee’s medical expenses, lost wages, and rehabilitation costs. Imagine you were involved in an accident in your personal vehicle while engaged in company business. Did you know your personal insurance may not cover you? What if you have employees on the road making service calls to customers? Commercial auto insurance provides valuable protection for your company-owned vehicles, leased or rented vehicles, and your employees' vehicles used for business purposes. Do you or your employees act as specialists providing custom design and manufacturing services that may cause a client financial damage through any errors or omissions? If so, then you should maintain a professional liability policy. You work hard to perform your duties and responsibilities to the best of your ability, but you may face a lawsuit if your customer isn’t satisfied. Protect your employees, your business, and yourself with a professional liability policy. Business Owners Policy (BOP) As a business owner, you are potentially liable for every product, service, and operation relating to your business. You also have to take all the safety measures you can to protect your company’s property from being damaged in the case of a fire or burglary. Choosing a BOP makes life easier for you by offering both commercial property and general liability coverages under a single policy. The coverages listed above don’t cover everything. Depending on your manufacturing company, you may also benefit from the following policies: - Equipment Breakdown - Manufacturers Errors and Omissions - Product Recall and Replacement What affects manufacturing insurance premiums? You run a unique company with unique factors and risks. Each factor and risk play a part in determining your company’s manufacturing insurance premiums. Some of these risks and factors include: - Specific Industry - Your Recommended Insurance Limits - Use of Heavy-Duty Machinery - Presence of Hazardous Materials - Number of Employees - Claim History As professionals in manufacturing insurance, we make it our business to know you and your concerns. We spend time learning and listening to better serve you, our clients. You’ve worked hard to build your company. The next step is to protect it. We’ll assess what your risks are and help you tailor an insurance policy for your company. We’d love to chat with you. Contact us today!

https://www.leavitt.com/farmerwoods/ins/manufacturing-insurance

Risk is inherent when you own rental property in San Mateo. As experts providing property management services in the Peninsula, we know that there’s a lot of liability for landlords. One of our jobs is to reduce that liability and to mitigate the risk that comes with finding tenants, maintaining your property, and enforcing your lease. This needs to be a priority; the value of protecting your rental property cannot be overstated. Not only is it essential to maintain the integrity and condition of your investment; it’s also helpful for your peace of mind. Rental property investments have a lot of potential. They can make great money, especially when the property is well-maintained and occupied by reliable residents. The risks, however, are ever-present. You could find yourself with property damage from bad tenants, a huge financial loss because you didn’t know the roof needed to be replaced, or a lawsuit from a tenant who is disputing the amount of security deposit you withheld. There are a couple of things you need to mitigate risk. First, a sound insurance policy. Second, a consistent set of procedures for leasing, managing, and maintaining your investment. Finally, you need a great Peninsula property management partnership that will deliver value and protection against easy mistakes and risky decisions. Landlord Insurance for San Mateo Rental Property Owners When we talk about mitigating risk, the logical starting point is insurance. You need a comprehensive landlord insurance policy. Landlord insurance provides coverage against any property damage or liability claims, and also protects you from the financial loss that could result from theft, fire, or natural disasters. If a pipe bursts and damages your floors, for example, you can expect your landlord insurance to cover the cost of repairing the pipe as well as any damage that was caused by that issue. Here is what you can expect a comprehensive landlord insurance policy to cover: - Protecting Against Damage Your landlord insurance will cover any repairing, replacing, or rebuilding you need to do when your rental property is damaged and it’s considered a covered loss. You’ll want to be sure you have enough coverage in place to completely rebuild your investment, if necessary. Remember that the cost of materials and labor has increased dramatically. If you have not evaluated your landlord insurance coverage amounts recently, now is a good time to do it. Protecting yourself against liability is just as important as protecting the physical structure of your property. This coverage protects you from lawsuits related to injuries or damages that could potentially occur on your property. For example, if your tenant slips and falls on a wet floor in your building, you could be held liable for their medical bills and damages. Liability coverage can help protect you from financial loss in these situations. - Mitigating the Risk of Lost Rental Income Look for a landlord policy that includes loss of income coverage. In the event that your rental property becomes uninhabitable due to a covered loss, rental income loss coverage can help replace the income you would have received during the time the property is being repaired. Landlord insurance can be a valuable investment for any landlord. Not having adequate coverage will only cost you more when something happens. Keep in touch with your insurance agent and make sure your policy is adequate and reflects the potential recent changes in your property value. If you’re not already working with an insurance agent, get a referral from a Peninsula property management company. Require Renter’s Insurance from San Mateo Residents The landlord insurance you have for your investment property is a great place to start, but you need to do a bit more if you want to fully mitigate your risk. Your tenants will need their own insurance. Accidents and disasters can happen without any notice or warning, even with well-screened and highly qualified residents. Prepare yourself and your tenants for the potential of property damage and accidents. Require renter’s insurance. We talk to a lot of San Mateo tenants who are under the impression that a landlord’s insurance policy will cover them if something goes wrong. That’s usually not the case. If there happens to be a burst pipe or a fire at your rental property, your insurance will not cover your resident’s personal belongings. When you require them to carry renter’s insurance, you’re making sure your tenants are protected and have the coverage they need to repair or replace their personal possessions. There’s also the matter of tenant liability. Residents can seriously damage your property, and not intentionally. How will they make it right? If a tenant forgets to turn the water off in a bathtub, there could be extensive flooding and water damage to the property. If they leave a pot on a hot stove, there could be a fire. You should not have to pay for that. In this case, your tenant’s renter’s insurance policy would. You’re protecting your own policy, your own finances, and your investment property. You’re also reducing your own liability. Accidents happen, and if a tenant is injured on your property, you could be liable for their medical expenses. By requiring renter’s insurance, you protect yourself from that liability. If a tenant should somehow become injured in their own home, their insurance will cover their medical expenses, rather than the cost falling back on you. Insurance is an excellent way to protect yourself and your property. It’s necessary to mitigate your risk. Your tenants need it, too. As you develop your risk management plan, remember that you’ll also need a solid and consistent set of processes and systems that ensure everything goes to plan. You need to know how rent will be collected, what you’ll do if tenants don’t pay rent, how you’ll receive maintenance requests, which vendors you’ll work with, and how you’ll track your accounting and financial reporting. You need a strong lease agreement. It can be overwhelming. If you’d like some help mitigating the risk that naturally comes with real estate investing, please contact us at Bayside Management. We lease, manage, and maintain investment properties in San Mateo and around the Peninsula, including San Carlos, Redwood City, Pacifica, San Bruno, Half Moon Bay, Daly City, Mountain View, Foster City, and Palo Alto.

https://www.peninsulapropertymanagers.com/mitigating-risk-as-a-property-owner/

General Liability Claims Rise during Spring – Keep Your Business and Customers Safe Spring has sprung! That’s supposed to be an exciting thing, but did you know that general liability insurance claims rise during the spring months? If you want to keep your business safe, it is essential to take the safety and security of your commercial space and its occupants seriously. These cases can be extremely costly and not only will you have attorney fees and a possible settlement, but you don’t want the bad publicity either. Why are your risks increasing? There are many reasons why general liability insurance claims increase during the spring months, and the reasons vary by location. One of the main drivers is that there are changes happening for your business. If you are experiencing the April showers that bring May flowers, you could see an increase in the number of slips and falls that occur by your customers. Be sure to keep walkways clear, and floors dry during the spring months. Spring also means new projects and this can increase your risk. These projects might require you to add more employees, which increases your risk. Exciting promotions can also drive more customers to your store and with increased numbers you will experience more risk. Adding new vehicles or equipment can also make things more complicated. How can you protect your business? A good way to combat the increased risk is to take training and safety seriously. Let your employees know the importance of safety as it pertains to them and keeping customers safe. Installing a CCTV system can also be a good protective measure as this will help you capture any incidents on camera. There have been many general liability insurance claims cases that fell apart because what the customer or employee said happened, the tapes proved differently. You wish everyone would by trustworthy and honest, but that is not always the case. It’s important to protect your business and source of income. Who can help improve the security of my commercial space? At RBM Lock & Key, we know how important it is to keep your building safe. That means different things to different people, but at RBM Lock & Key, we care about your business, its occupants, contents and viability. That’s why we offer commercial locksmith services throughout Southern California. If you are looking to keep your building safe, RBM Lock & Key can help. What commercial locksmith services can RBM Lock & Key provide to my business? We offer a full suite of commercial locksmith services. We sell and install emergency and fire panic door hardware, door closers, panic bars, peepholes and buzzers. We can also sell and install computer controlled locking mechanisms and electronic locks. If you are looking for keyless entry, we can help! Safes, combinations and padlocks are also all available at RBM Lock & Key. If you want to keep your business safe, call us today at 909-980-3448 or stop in to our store!

https://www.rbmlock.com/2018/03/26/general-liability-claims-rise-spring-keep-business-customers-safe/

|Business Interruption/Business Income Loss Q: Is there “business income coverage” if a governmental authority (civil authority) requires my business to close? A: Not likely. There typically needs to be physical damage to property leading to the cessation of a business.1 (i.e. If people don’t go out to eat because of the fear of the virus, which is not a covered cause of loss.)2 The same is true if people are restricted to their homes because of an outbreak of the virus in their community. Q: Is there “business interruption insurance coverage” for communicable diseases such as COVID-19? A: Not likely. Most coverage requires covered direct physical damage to property of a customer or a supplier. To date, there are no reported cases in the United States regarding business interruption coverage in connection with human infectious disease epidemic or pandemics. *Although coverage is unlikely doesn’t mean you cannot file a claim. Claim investigations are handled on a case-by-case basis. Please be sure to contact our agency if you have any questions. Q: What actions/inactions could possibly lead to my business being found legally liable for an injury from COVID-19? *this is not an exclusive list A: Allowing an employee who is known to be infected with the virus to continue working; failure to adhere to required heath and prevention guidelines; remaining open following an order by a civil authority to close, etc. (Gov. Tony Evers Emergency Order – Prohibiting Mass Gatherings of 10 People or More) The likelihood a business owner may be held legally liable for injury to a third party who contracted COVID-19 on the business’s premises is very low, but not impossible.3 Q: Does COVID-19 create a workers’ compensation exposure for my business? (For Employers) A: Not likely. Any illness/disease must meet the following requirements to be covered.4 The illness must be “occupational” meaning it arose out of and was in the course and scope of the employment and was caused by conditions “peculiar” to the work. COVID-19 would likely not qualify. Unless, it can be proven that the employee has an increased risk of contracting the virus due to the peculiarity of his/her job. (i.e. healthcare, transportation, delivery workers, etc.) These situations are evaluated on a case by case basis. Q: Am I covered by worker’s compensation if I contract COVID-19? If so, how do I file a claim? (For Employees) A: (See coverage above). In the event you become ill, it is your responsibility to; tell your supervisor immediately; obtain any necessary medical attention; and maintain all relevant medical and payment records for possible future use.5 It is your employer’s responsibility to report your injury/illness to their insurance carrier, the insurance carrier will report to the Department of Workforce Development.6 What Employers Need to Know Check out this resource guide for questions like: What if my employee is showing signs of an illness? Should we be reviewing our FMLA, PTO (or equivalent) and sick leave policies? Should we be reviewing our discrimination and ADA policies? Are employees entitled to unemployment benefits? And more! *Statements in this document as to policies and coverage provide general information only and does not constitute legal or professional advice. Coverage details regarding specific insurance should be discussed directly with a licensed agent.

https://www.starrgroup.com/your-insurance-and-covid-19/

Fraud is a concern in many different industries and professions. You never know when someone might try to manipulate or trick you for financial gain. However, there are certain industries with a stronger association with fraud than others. If you work in any of the three industries below, keeping a close eye on fraud trends in your profession could help you avoid getting caught up in someone else’s unscrupulous behavior. Finance and investments Professionals in the financial world sometimes exaggerate in order to get the resources they need to close a deal. Occasionally, they may cross that fine line between convincing rhetoric and outright lying. Those who lie to convince others to invest could potentially find themselves facing investment fraud charges. Real estate and mortgages Examples of mortgage fraud range from buyers making offers on properties that don’t exist to mortgage brokers pressuring appraisers to inflate the price of a property. Real estate fraud can lead to big losses for homeowners or for lenders, as well as criminal charges for those who participated in the fraud. A surprising number of people think patients are the biggest source of fraud losses in the modern healthcare industry. However, it is the professionals working in medicine or billing for healthcare providers who commit the most expensive forms of medical fraud. Billing insurance for services not rendered or charging patients more than they should are among the numerous forms of healthcare fraud that affect everyone’s insurance costs and sometimes the public coffers. Fraud charges frequently lead to federal prosecution. As with state charges, federal fraud charges require an understanding of both the law and applicable precedent and a well-planned defense strategy. If you are facing fraud charges, getting in touch with a criminal defense attorney in California can help you fight back and protect your reputation as well as your freedom.

https://www.thebulldog.law/blog/2022/02/industries-that-see-a-significant-amount-of-fraud/

In the labyrinth of car insurance options, finding the best coverage can be a daunting task. With a multitude of providers and policy types, it’s crucial to navigate the intricacies of the insurance landscape to secure optimal protection for your vehicle. In this in-depth guide, we will unravel the key considerations, factors, and tips to help you identify the best car insurance for your unique needs, ensuring you drive confidently on the road. - Understanding Your Coverage Needs: The first step in finding the best car insurance is to understand your coverage needs. Consider factors such as your driving habits, the value of your vehicle, and your budget. Are you seeking basic coverage to meet legal requirements, or do you require additional protection for comprehensive and collision events? Evaluating your coverage needs sets the foundation for making informed decisions. - Researching Reputable Insurance Providers: Not all insurance providers are created equal, and researching reputable companies is paramount. Look for insurers with a solid financial standing, positive customer reviews, and a history of prompt claims processing. Major insurance companies like GEICO, State Farm, Progressive, Allstate, and USAA often emerge as top contenders due to their comprehensive coverage options, excellent customer service, and longstanding industry presence. - Comparing Quotes from Multiple Providers: Once you’ve identified potential insurance providers, the next step is to gather quotes from each. Utilize online comparison tools and contact local agents to obtain comprehensive quotes tailored to your specific circumstances. Remember to compare not only the premium prices but also the coverage limits, deductibles, and any additional features included in the policies. - Exploring Coverage Options: The best car insurance for you will align with your unique coverage needs. Consider the following coverage options: a. Liability Insurance: Covers injuries and property damage you may cause to others in an accident. b. Collision Coverage: Pays for repairs to your vehicle in the event of a collision, regardless of fault. c. Comprehensive Coverage: Protects against non-collision events like theft, vandalism, or natural disasters. d. Uninsured/Underinsured Motorist Coverage: Safeguards you in case of an accident with a driver who has insufficient or no insurance. e. Personal Injury Protection (PIP) or Medical Payments: Covers medical expenses for you and your passengers, regardless of fault. f. Additional Coverage Add-Ons: Evaluate additional coverage options such as roadside assistance, rental car reimbursement, and gap insurance. - Considering Discounts and Savings Opportunities: Many insurance providers offer various discounts that can significantly lower your premium. Explore options such as: a. Safe Driver Discounts: Rewards for maintaining a clean driving record. b. Multi-Policy Discounts: Bundling car insurance with other policies, like home or renters insurance, for additional savings. c. Good Student Discounts: Discounts for students who achieve good grades. d. Anti-Theft Device Discounts: Savings for installing anti-theft devices in your vehicle. e. Low Mileage Discounts: Discounts for driving fewer miles, particularly relevant for those who telecommute or use public transportation. - Understanding Deductibles: Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. While higher deductibles can lower your premium, it’s crucial to choose a deductible that aligns with your financial comfort level. Consider your ability to cover the deductible in case of an accident. - Checking Customer Satisfaction and Reviews: The experiences of other policyholders can provide valuable insights into an insurance provider’s customer service and claims processing. Explore customer reviews, testimonials, and satisfaction surveys to gauge the reputation and reliability of the insurance companies you are considering. - Evaluating the Financial Strength of Insurers: Review the financial strength ratings of potential insurance providers from reputable agencies such as AM Best, Moody’s, or Standard & Poor’s. A strong financial standing ensures that the insurer can meet its financial obligations and provide timely payouts. - Localizing Your Search: Consider the benefits of choosing a local insurance provider. Local insurers often have a deeper understanding of regional driving conditions, unique risks, and local insurance regulations. Additionally, local agents can provide a personal touch, offering guidance tailored to your specific area. - Assessing the Claims Process: The ease and efficiency of the claims process are crucial considerations. Research how each insurance provider handles claims, the availability of 24/7 claims support, and whether they offer online claims filing options for added convenience. - Utilizing Online Tools and Technology: Insurance providers that leverage technology can offer added convenience. Explore online tools, mobile apps, and customer portals that allow you to manage your policy, make payments, and file claims with ease. Finding the best car insurance requires a careful balance of understanding your coverage needs, researching reputable providers, and comparing quotes. By considering factors such as coverage options, discounts, deductibles, and customer satisfaction, you can make an informed decision that aligns with your budget and provides the protection you need on the road. As you embark on this journey, remember that the best car insurance is not a one-size-fits-all solution. It’s about finding the perfect combination of coverage, affordability, and peace of mind tailored to your unique circumstances.

https://2x2abc.com/decoding-excellence-a-comprehensive-guide-to-finding-the-best-car-insurance-for-you/

Ready or not: Mandatory disclosure is coming to Australia By Georgina Woods, Head of Impact, The Climate Tuesday, 7 March 2023 Australia is in the process of catching up to New Zealand, Europe and the United States in adopting a mandatory disclosure regime for climate change risk. A recent Treasury consultation paper sought input on the architecture of the scheme but the basic commitment is made: climate risk disclosure will be mandatory. There are two drivers for this. The first is climate change itself, which poses a fundamental risk to Australia’s economy, society and institutional stability if global warming is allowed to exceed 1.5 degrees above the long-term global average. The second driver is investors. Recognising that climate change transition and physical risk pose significant risk to earnings, investors are seeking transparent, consistent and decision-useful information about climate risk because they need to know that companies and governments can manage that risk. The starting point is the draft disclosure standard prepared by the International Sustainability Standards Board, which ISSB has indicated will come into force in January next year. For ease and consistency of reporting and to attract international capital, the Australian framework needs to be consistent with international baselines, including in the disclosure of material Scope 3 emissions, but there’s a case for Australia to go further than ISSB and others in the disclosure framework for physical risk. Unlike transition risk, physical risk is not limited to a particular window of time and will escalate even if the Paris temperature agreement goals are met. The consequences of physical risk are not limited to particular sectors, but will broadly, profoundly and irreversibly affect every aspect of Australia’s society and economy. The latest update from the Network for Greening the Financial System scenarios for climate risk make it clear that, “For all scenarios and time scales, physical risks outweigh transition risks.” And yet, around the world, quantitative disclosures are more common for transition risks than physical risks, as has been observed by the TCFD, the ECB, and others. The breadth and duration of the risk, Australia’s particular vulnerability to physical risk and its reliance on international investment are powerful arguments in favour of setting world leading practice in this area. One way to do that is to establish from the outset that not all physical risk is able, at this time, to be directly quantified in balance sheets and so there’s a need to direct firms to disclose not only their direct risk (to assets and operations), and their cascading risk (second- and third-order effects on supply and value chains), but also their contextual risk (the effects of physical risk on material macro-economic factors like GDP, productivity, inflation etc) and risk that could be deemed unmanageable – beyond the capacity or scope of the entity to manage, mitigate or transfer. One example of the last is a risk identified by the IPCC’s Sixth Assessment Report Working Group II chapter on Australasia, which raised the high risk in Australia that beyond 1.5 degrees of warming, “Climate hazards overwhelm the capacity of institutions, organisations, systems and leaders to provide necessary policies, services, resources, coordination and leadership.” The questions the Treasury is grappling with include the coverage of the disclosure standards (for example the inclusion of private companies and government entities) and whether to exempt climate disclosures from the requirement that applies to other official forward-looking statements: that they be made on “reasonable grounds.” A so-called “safe-harbour” provision would be a mistake for Australia. There is no safe harbour from the physical risks of climate change, as XDI’s Gross Domestic Climate Risk ranking indicates. Protecting boards that fail in their fiduciary duty to satisfy themselves they have reasonable grounds to draw the conclusions they have drawn on climate physical risk essentially transfers this risk to shareholders, investors, insurers, and ultimately the public. There’s a strong case for Australia to adopt physical risk disclosure requirements of greater detail and breadth than emerging international standards have so far included. ISSB has acknowledged there is more work to do on physical risk. Australia is reliant on international investment and has elevated vulnerability to climate change impacts. Australia needs a world-leading framework for physical risk disclosures underpin investment confidence, ensure that investment is climate resilient and safeguard the community. NGFS Scenarios for Central Banks and Supervisors. September 2022. https://www.ngfs.net/sites/default/files/medias/documents/ngfs_climate_scenarios_for_central_banks_and_supervisors_.pdf.pdf Petrana Lorenz, Director of Communications: +61 405 158 636

https://archive.xdi.systems/tcfd-mandatory-disclosure/

What makes earthquakes dangerous and scary is that you won’t know when it will happen. You’ll suddenly feel the whole ground shaking violently, cars start alarming, buildings swaying, and the things in your home become scattered. The residents of California had their fair share of numerous earthquakes throughout their lifetime. Some earthquakes were manageable, while some were so violent that it brought millions of dollars in damages. The major earthquakes also took the lives of some Californian residents. People use various equipment like the Richter scale devised in the 1930s. Until this day, some seismologists use the tool to determine and record the intensity of the earthquake. But during the 1970s, another device was invented called the moment magnitude scale that every seismologist in California has nowadays. Here are the top 5 most destructive earthquakes ever recorded in California. 1. April 18, 1906 - San Francisco - Magnitude 7.9 Older Californian residents may have experienced the largest earthquake in their lives on April 18, 1906, at 5:12 AM on a Wednesday. The magnitude 7.9 brought massive destruction to the coast of Northern California and had a Mercalli intensity of XI, which is the second to the last intensity scale that could almost cause total destruction. The earthquake demolished hundreds of buildings around Northern California and also caused at least 3,000 fatalities, which had the highest body count ever made by natural disasters. Fires also broke out that lasted for days since firefighters around the area were also affected by the massive earthquake. The government estimated that 80% of California got destroyed after the earthquake hit, and the disaster will be one of the most horrific earthquakes in the history of the United States. 2. January 9, 1857 - Fort Tejon - Magnitude 7.9 Before the San Francisco earthquake happened, an earthquake happened during 1857. People who remembered it knew it as the Fort Tejon earthquake. It was the earliest recorded massive earthquake that struck Southern California. With a magnitude of 7.9, it broke the southern area of the well-known San Andreas fault by at least 225 miles, between Wrightwood and Parkfield. The Fort Tejon earthquake is the most recent massive earthquake ever recorded in the San Andreas Fault. It had a Mercalli intensity of IX lower than the 1906 San Francisco earthquake but still managed to destroy several buildings. However, the earthquake took the lives of only two people, a woman killed by a collapsing house and an older man who fatally collapsed when the earthquake happened. 3. March 26, 1872 - Owens Valley - Magnitude 7.4 Seismologists still had no exact details about the 1872 Owens Valley earthquake. However, they managed to estimate the magnitude between 7.4 to 7.9 and even had a Mercalli intensity of X. People also compared it to the 1906 San Francisco earthquake because it took the lives of at least 27 people and injured 56. While seismologists recorded the earthquake with a magnitude of 7.9, it managed to flatten most buildings in Lone Pine and other nearby areas. The earthquake also managed to damage at least $250,000, equal to $5,332,561.48 in 2021. Nowadays, California has some of the best buildings that are earthquake-proof because of the many advancements in the construction industry. Some buildings even add exterior access doors to fix or inspect internal components whenever an earthquake happens. This helps commercial buildings keep their structural integrity in top condition at all times.

https://californiaaccessdoors.com/blog/learning-the-history-of-earthquakes-in-california/

Insurance for Cambria County, PA, and the Surrounding Areas Faithfully Providing Auto Insurance, Home Insurance, and More to Johnstown, PA Find insurance for Cambria County, PA, with Independent Insurance Associates Inc. Your vehicles, family, home, and business in Johnstown, PA, and the surrounding areas, are precious. We here at Independent Insurance Associates Inc understand this. Such precious things deserve protection. We are dedicated to providing customers with the best insurance options in and around Cambria County, PA. We Promise Professionalism and Give Each Person Reliable Customer Service People deserve professionalism and reliable customer service. We promise to provide that and more at Independent Insurance Associates Inc. Clients can rest confident and assured that the insurance policies they get with us provide the best coverage available. We handle every kind of insurance requirement. From agriculture insurance to workers’ compensation and other business insurance, the policies we have will meet your needs. Our reliable customer service guarantees total satisfaction. Working with More Than 15 Different Insurance Providers for More Than 20 Years Working with more than 15 insurance providers for more than 20 years, Independent Insurance Associates Inc is a full-service independent agency. Our experience over the years has made us a truly qualified agency. Please contact us, and we will find a policy for your home, vehicle, business, and life. When you need insurance, you get assurance that we know our stuff. Independent Insurance Associates Inc Offers Options that Include: Whole Life Insurance Term Life Insurance RV / Boat Insurance

https://insurancesomersetpa.com/cambria-county/

Nearly 40 Million Kidde Fire Extinguishers Recalled Popular fire extinguishers manufactured by Kidde are being recalled for failure to discharge or the nozzle detaching. Here's how to check to see if yours is one of them. One death has been reported where emergency personnel responding to an auto accident and fire could not get the fire extinguishers to work. There have been nearly 400 reports of malfunctions and approximately 16 injuries reported as a result of the fire extinguisher not operating properly. The models being recalled all have plastic handles. The US Consumer Product Safety Commission reports the fire extinguishers can become clogged, requiring excessive force to operate or fail completely. Also, the nozzle can come off with enough force during use to cause injury. Another model being recalled is the push button Pindicator fire extinguisher. There are a total of 134 models of Kidde fire extinguishers being recalled. This represents about 37.8 million fire extinguishers sold in the US and over 2 million in Canada. The fire extinguishers were manufactured between January 1, 1973 and August 15, 2017 and were sold by major retailers and online. Some of the Kidde fire extinguishers may have labeling including Ademco, ADT, Costco, Fire Away, Sam's, Sanford, Sears and others. It is important to check all your fire extinguishers against the published list of those being recalled. To see if the fire extinguishers you have are subject to recall, visit the Conumer Product Safety Commission website, call Kidde at 877-271-0773, or visit the Kidde website and click on Product Recall for information on the recall and instructions for replacement.

https://mix1043fm.com/nearly-40-million-kidde-fire-extinguishers-recalled/

Litigation over personal injuries due to asbestos exposure has continued for more than 40 years in the United States, with hundreds of thousands of claims filed and billions of dollars in compensation paid. Many companies with significant liability for asbestos-related injuries have filed for bankruptcy, resulting in the creation of asbestos bankruptcy trusts, which pay claims on behalf of bankrupt defendants. While these trusts are playing an increasingly important role in the compensation of asbestos-related injuries, information about the operating procedures and activities of these trusts is not readily available. In particular – and most importantly from a fraud perspective – there is little analysis of how the trusts have affected the overall compensation that asbestos claimants receive and the asbestos liabilities of solvent defendants and their insurers. The Furthering Asbestos Claims Transparency Act would require the personal injury settlement trusts established by bankrupt asbestos lawsuit defendants to file quarterly reports with the bankruptcy courts. These reports would be available on the public docket and would describe each demand the trust has received from a claimant and the basis for any payment made to that claimant, excluding any confidential medical record or the claimant's full Social Security number. It would also require the trusts to provide any information upon request related to claims made from a party to any legal action if the subject concerns liability for asbestos exposure. This commonsense, bipartisan legislation would be a valuable resource in combating fraud in asbestos claims, which would ensure that trusts have sufficient funds to pay legitimate claims. NAMIC supports legislation that would prevent the abuse of the asbestos trust fund system by increasing transparency in the claim process.

https://namic.org/Issues/asbestos

Brenda Ernest is searching for new medical insurance after carrying a policy for 27 years with the American Veterinary Medical Association's Group Health and Life Insurance Trust (AVMA GHLIT). 55-year-old veterinarian from Temple Terrace, Fla., is one of 17,000 or so veterinarians and their families impacted by federal health care reforms that force associations to open medical coverage to the general public, not just association members. The prospect of doing that has caused New York Life Insurance, the GHLIT's longtime underwriter of its medical insurance offerings, to terminate its medical coverage with GHLIT after Dec. GHLIT officials looked into switching underwriters but couldn't find one, mainly because companies are exiting the association business. Ernest is struggling to find alternate coverage by Jan. 1, 2014, and discouraged by unexpected hurdles to landing a new policy. In a discussion on the Veterinary Information Network, an online community for the profession, she explained that her weight is five pounds over the limit imposed by most health insurance plans, which disqualifies her even though she has no major medical issues. “I paid in (to GHLIT) all this time, and now I need insurance and I can’t get it,” she said. of her colleagues could face the same situation. The GHLIT reports that approximately 17,000 medical policies were in place as of March 31. That figure represents a gradual decline from years past, likely sparked by correspondence between GHLIT officials and policyholders informing them that they would soon need to seek medical insurance elsewhere. (The GHLIT's other insurance programs, such as disability and life insurance policies, will continue unchanged.) officials urge veterinarians to keep their current medical insurance policies until the Jan. 1 expiration date. To assist members in securing medical coverage for 2014 , the GHLIT has created a private insurance exchange designed to provide member veterinarians with an online marketplace to compare and buy health insurance policies, much like the state-based exchanges that are slated to open this fall as part of the Patient Protection and Affordable Care Act, or PPACA. The first phase of the AVMA GHLIT C.A.R.E. Insurance Exchange/Marketplace launched in March and promoted Medicare products for members aged 65 years and older. Phase two of the project was completed last month, opening the exchange to all AVMA members. can peruse 2013 medical plans on the GHLIT exchange for now. Veterinarians can't start buying 2014 medical insurance on the exchange until Oct. 1, when state-based exchanges are slated to open to the public. However, veterinarians who qualify for Medicare already may purchase plans through the new GHLIT marketplace. GHLIT CEO Libby Wallace counts 120 enrollees so far. She expects more veterinarians will show an interest as the first of the year approaches. She explained that any changes members make to a GHLIT medical plan before it expires on Dec. 31 would require new medical insurance underwriting and force the policyholder to start over with new annual deductibles. Despite the changes, pockets of the profession will continue to not have access to policies the GHLIT offers, even on its exchange. For veterinarians such as Dr. Amanda Rizner, looking for coverage outside of AVMA is nothing new. That's because a handful of states — Rizner's home state of Maine included — do not allow the AVMA GHLIT to offer insurance to its residents. One caveat: If a GHLIT policyholder moved to such a state (ex. Massachusetts, North Dakota, New Hampshire, Vermont or Washington), he or she would be permitted to retain the policy. Rizner, president of the Maine Veterinary Medical Association, said she received an email stating the AVMA private exchange was up and running but couldn’t find any products offered in her area. She also hasn’t had luck purchasing disability and life insurance products through GHLIT. The lack of resources available to her through AVMA is frustrating, she said. “When I started looking to open my own practice, I contacted AVMA insurance brokerages, and there were no options available to me." Rizner suffers from fibromyalgia and rheumatoid arthritis, making health coverage necessary and expensive. She pays roughly $800 a month. “We just have to suck it up,” she said. GHLIT's Wallace sympathizes and anticipates that geographical coverage will get better. “Unfortunately, some of the same issues that precluded us from offering medical policies in Maine still exist,” she said. “We are hopeful that we can add an insurance carrier who offers individual medical coverage in Maine to our private insurance exchange.” officials have an incentive to be inclusive. GHLIT leaders told the AVMA House of Delegates in July that while the trust is financially stable, its future is uncertain due to the loss of premiums tied to terminating the traditional medical insurance programs. Some also wonder whether AVMA will lose members once the GHLIT's brand of medical insurance ends, given that AVMA membership is required to access GHLIT programs. “Other than disability insurance now, I don’t really see any benefit to belonging to the AVMA,” said Ernest, the practice owner in Florida. “I just don’t know where I’m going to get insurance now and what it’s going to cost.” says that despite such uncertainties, the ability to purchase insurance through GHLIT is advantageous to members. GHLIT, in addition to offering medical insurance via its exchange, will continue to provide customized disability and life insurance, hospital indemnity plans as well as dental and vision coverage to AVMA members. that it's worth exploring the GHLIT medical insurance exchange. To veterinarians holding out for the public state or federal insurance exchanges set to open in October, Wallace warns that families earning more than 400 percent above 2013 poverty guidelines will not qualify for certain tax advantages that otherwise would make participation in public exchanges economically beneficial. That's not to say veterinarians will receive special discounts through the GHLIT's marketplace. What they'll get, Wallace says, is customer service. utilizing the GHLIT insurance exchange/marketplace, veterinarians can see alternative plans available in their geographic area," she said. Users also will have "the advantage of a live chat online or a live customer service person available. can continue to work with their GHLIT insurance agent if they would like to. In addition, members will be able to purchase other non-medical insurance products from the exchange. So it really creates a one-stop shopping experience," she added.

https://news.vin.com/default.aspx?pid=210&Id=5915479&f5=1

Looking for best Pet Insurance in La Grange, KY? Top-Rated Insurance Coverage for Dogs as well as Cats in La Grange, KY. Pet dog health treatment treatments are a lot more expensive than ever before. Family pet Insurance coverage covers your pet from head to paw. Pet dog medical insurance strategy pays on your real vet bill and also covers new mishaps and also health problems, cancer, emergencies, genetic problems as well as a lot more. If your pet dog or pet cat needs treatment for a new mishap or disease (except pre-existing problems), you're covered. It's that simple! What is the purpose of having pet dog insurance coverage? As a pet dog proprietor, you're cognizant that your furry companion might be one of the household's most daring participants. Therefore, it's not unusual for our canines to require a trip to the vet every currently as well as once again. The tension of your animal being ill or injured is horrible sufficient, yet adding a large veterinarian price to the mix just adds to the anxietyWith the appropriate pet dog insurance policy in location, you can relax very easy knowing that you'll have the ability to pay your pet dog's or feline's medical costs and supply them with the care they require if they obtain ill. A quick contrast of family pet insurance with us will help you find a superb bargain and also comfort in mins. Continue reading to find out more regarding the countless forms of animal insurance coverage available for your pet dog or cat, along with what it covers and also just how much it costs. What is covered by animal insurance coverage in La Grange, Kentucky The following categories of protection may be included in family pet insurance coverage: - Veterinary expenses and also therapy in case your animal ends up being unwell or harmed. - In the case of a mishap, emergency oral treatment. - Holiday cancellation if you need to cancel or reduce your getaway owing to an unpredicted illness, injury, or disappearance of your pet dog. - If your pet dog dies or goes missing out on, you will certainly be compensated. - Fees for advertising and marketing and also cash prize if your pet is shed. - If you're unable to care for your pet dog for a prolonged duration of time, Kennel and also cattery expenditures. - Obligation coverage for 3rd celebrations in case your dog wounds a person triggers a crash or ruins a person's home. - Protection, when you're far from home in case your pet dog, is harmed or comes to be unhealthy. - Alternative therapies, like as homeopathy, acupuncture, or physiotherapy, if your veterinarian suggests them. It's crucial to double-check any insurance policy before buying to ensure that it provides the insurance coverage you require. Some strategies don't consist of attributes like worldwide insurance coverage as well as holiday cancellation as conventional, yet you might be able to include these for a charge. Pet insurance plans can be found in a range of sizes and also forms. You'll need to think about the benefits as well as disadvantages of the countless alternatives offered to choose the finest animal insurance plan for you, which typically boils down to the level of protection you desire and also just how much you're prepared to spend. When comparing animal insurance plan, there are 4 basic classifications to look for: Animal insurance coverage that simply covers crashes Your pet's vet costs will be covered if they are harmed in a mishap, but not if they get unhealthy. It's most likely to be much less pricey than more comprehensive insurance policy, and also it may be an excellent match if you have a young, healthy pet or feline. Most accident-only insurance are just good for a year, as well as if you call for therapy beyond that, you can not be covered. Always validate the highest limitation on just how much you might claim - there is commonly one. Family pet insurance coverage with a time frame Time-limited pet insurance coverage covers illness as well as crashes for up to 12 months from the date of medical diagnosis or up until the policy's optimum is reached, whichever comes. Even if you restore, once either restriction is gotten to, the problem is no much longer covered. Pre-existing problems are additionally not covered. This is the a lot of fundamental kind of pet dog insurance policy, it has no age constraints, so it might be an useful option for elderly family pets as well as giving crucial help if animals of any type of age obtain unwell with a short-term ailment. What insurance plans are offered? The Wellness Plan provides regular check-ups as well as routine vaccinations. It doesn't include emergency medical services in the event of is an injury or accident. Accident & Illness Plan The Accident & Illness plan covers any injuries or illnesses that your pet could be suffering from. The plan does not cover routine medical care or pre-existing condition. Accident No Plan Accidents like as falls or car accidents are covered by emergency vet or hospitalization. There are no coverage for specific breed-related diseases or issues. Accident & Illness + Well The plan is similar to the Accident and Illness Plan however it also offers Wellness Plan benefits for routine veterinarian care. Costs of visiting an Emergency Veterinarian General The costs for taking your pet to an emergency vet facility might vary greatly depending on the reason behind your visit. A visit to the ER to fix a ripped nail or for an urgent procedure will cost you far more. The cost of treatment could differ based on the size of your pet. Larger dogs could require more fluids and meds than small pets. Below is a table that summarizes the most common diagnostic and treatment options available for your pet at an urgent veterinary hospital. These costs may vary based on the location you live in the United States, how many vets are in your area, and how long you have to receive treatment. |1-2 Day Hospitalization |3-5 Day Hospitalization (kidney failure, blocked cat, parvo) |Wound Treatment & Repair (bloat, foreign body, hit by car) (heart failure, pneumonia, asthma) La Grange, Kentucky information taken from Emergency Vets USA with regional cost of living adjustments What factors affect the cost of pet insurance in La Grange, Kentucky Cost of La Grange pet insurance is affected by many variables such as the pet's breed, age, policy details as well as your location. La Grange insurers will let you modify your coverage to fit your specific requirements as well as those of your pet. Pet insurance coverage with one of the most benefits Diseases and also accidents are covered by maximum advantage animal insurance coverage approximately a specific amount per condition. You're no more covered for that condition after you've struck the limit. If your animal establishes a considerable long-lasting condition that requires expensive care, this may be a disadvantage. On the various other hand, considering that there is no time limitation, it could be a fantastic choice for preserving your pet dog's health over a longer size of time, such as if they need regular medicine. Insurance for your pet for the remainder of your life in La Grange The most comprehensive pet insurance provided is Lifetime family pet insurance coverage. If you maintain up with the insurance policy, your family pet could be covered for mishaps, injuries, and diseases for the remainder of its life, as well as the cost of placing your family pet to sleep, cremation, as well as funeral. Among the significant benefits of remaining with the same insurance service provider is that you'll have less to stress over if your feline or canine creates a persistent disorder. Whatever insurance policy you pick in La Grange, KY, constantly reviewed the fine print and ensure you recognize what's covered to stop any kind of unpleasant surprises. Insurance for dogs Cover for your canine, no matter of dimension or form. In the event that your canine creates damages or damage, this insurance policy might cover injuries, ailments, and also third-party problems. Insurance for puppies Pups and also mischievousness are completely linked. If they obtain themselves right into a pickle, puppy insurance policy could aid protect your pooch. Insurance for cats Guard your spoiled Persian or charming kitty. Pet cat insurance may be bought for indoor or outside felines to cover a range of circumstances that could result in a visit to the vet. Insurance for kittens Kitty insurance coverage could be a safeguard for your brand-new little bundle of fluff if you do not intend to rely on their nine lives to maintain them safe. Insurance for horses Horse and also rider insurance policy is a sort of equine insurance coverage that covers both the biker and the horse. You might buy strategies that cover your equine's healthcare along with loss of use and also theft or damages to your riding tools. Insurance coverage for rabbits Small animals may be covered under specialized strategies. Rabbit injuries as well as ailments may be just as costly to deal with as pet cats and also pets, so choose the correct insurance policy to offer you comfort regarding your rabbit's care. Just How to Conserve Cash on Family Pet Insurance in La Grange There are a few points you can do to help reduce the price of pet insurance: Choose a contribution policy, in which you pay a proportion of the insurance claim quantity. Preserve your pet dog's health-- correctly taking care of your family pet may conserve you hundreds, if not thousands, of extra pounds in veterinarian costs. This covers significant issues like as making certain that children are up to date on vaccinations and preserving a healthy and balanced diet regimen. To stop obtaining a lot more extreme diseases, keep an eye out for indicators of worms or fleas. Your prices might be reduced if you spay or sterilize your pet, given that family pets are less susceptible to obtain or create many conditions and ailments. Obtain a multi-pet discount rate-- if you have greater than one pet dog, many insurance coverage companies will provide you a discount if you include them to the exact same plan. Pick your type very carefully - pedigree pets and also cats may be charming companions, but they might be a lot more prone to hereditary health problems, making them more pricey to insure. Raise your excess - the a lot more you can add to a case, the lower your costs will certainly be. If you have to sue, simply make certain it's low-cost. Compare pet dog insurance policy prices - With our animal insurance policy comparison tool, you can compare quotes from a range of insurance firms to acquire the ideal protection at a reasonable rate. What impact does my pet's age carry family pet insurance coverage? Insuring older canines is generally extra pricey. As your family pet ages, he or she is a lot more vulnerable to develop health problems and injuries that feature age - and insurers will certainly charge you more to show this raised danger. Kitties and young puppies are the exemption; pets under the age of one year are rather much more costly to cover because they are extra mishap vulnerable and also at threat of harm at this age. A co-payment is generally charged to insurance coverage for elderly pets. This is when you're needed to pay a part of the therapy expenditures for your pet, and also the insurance policy covers the rest. Co-payments are prevalent in felines over the age of 10 and also pet dogs over the age of 8. Is pre-existing illnesses covered by animal insurance policy? Pre-existing clinical concerns are basically generally omitted from typical pet dog insurance plan. Persistent illness, on the other hand, might be exceptionally pricey. Some specialized insurance providers will cover a family pet with a pre-existing illness given they haven't revealed any kind of indicators of the illness for a lengthy time. You'll be protected for prospective chronic health problems if you obtain a lifetime protection while your pet dog is young and also maintain renewing it. You might opt out of your coverage and pay for any kind of medical treatment yourself. You'll still have the ability to submit an insurance claim if your pet establishes any kind of new disorders. What are the advantages of pet dog insurance? In La Grange, KY family pet insurance assists in the payment of veterinary look after your pet dog, permitting you to concentrate on obtaining them back on course. There is no National Wellness Solution for animals. Vet treatment may be much too pricey, yet most pets as well as cats will need medical interest at time throughout their lives. Horses might need the solutions of a vet, which may raise costs, as well as also tiny pets like rabbits can be costly to treat. It is difficult to visualize your family pets being wounded or unwell, yet consider this: what would you do if you were challenged with an annual vet cost of hundreds or countless bucks? Pet Insurance in La Grange, Kentucky Time-limited family pet insurance coverage covers illness and crashes for up to 12 months from the day of diagnosis or till the plan's optimum is gotten to, whichever comes. The most detailed family pet insurance provided is Life time animal insurance coverage. If you keep up with the insurance, your animal may be covered for mishaps, injuries, as well as illness for the rest of its life, as well as the cost of placing your animal to rest, cremation, as well as funeral. Preserve your family pet's wellness- correctly caring for your pet dog may save you hundreds, if not thousands, of extra pounds in veterinarian costs. You can also insure a range of small mammals such as guinea pigs, hamsters, rabbits, mices, ferrets and chinchillas, birds, fish and other exotic pets such as reptiles, snakes, lizards, iguanas, parrots and tortoises and in some cases. FAQ's on Pet Insurance in La Grange Pets are a part of more than 40 percent of the homes of La Grange but only a tiny percent of pet owners have pet insurance. We think pet insurance is a great idea as it will protect you from the cost of expenses for vets when your pet is sick or suffers an accident. Your pet can be assured that they will receive the assistance they require. Additionally, veterinary treatment can be costly. For example an ear infection could cost more then $13,000 to treat. Similarly, stomach issues in dogs can run over $29,000. A fractured or broken bone could cost you more than $2,000 and cancer treatment almost $4,000 per year. The cost of dog insurance is $48.39 per monthly, and cat insurance costs $24.35 per per month. This covers a total insurance coverage of 10,000. But, depending on the specific situation costs could vary significantly. There isn't a single pet insurance company that is the most affordable. Insurance rates for pets can be dependent on a number of variables including the kind of pet, the age, geographic location, the pet's breed, and whether the pet has been spayed/neutered. There are a variety of alternatives to think about if you're seeking pet insurance in La GrangeThe following are some of the best options to consider in La Grange. Request a quote, or use our free comparison tool to find the best pet insurance provider in La GrangeLa Grange. Looking for Pet Insurance in another city in Kentucky? Check belowPet Insurance Kentucky Reviews 10, Stars 5

https://petinsurancebuddy.com/pet-insurance-la-grange-ky.html

Understanding group insurance: Through super, you are given the option of undertaking a ‘group’ insurance policy. This is underwritten at time of claim, meaning it is not tailored to you, does not take your personal circumstances into account, and may see you knocked back at claim time. These group options do not give you a choice regarding the amount you are insured for, which may see you significantly under insured, leaving you and your family financially exposed in the event of premature death/sickness or injury. Retail insurance and its benefits: As an alternative to group cover, you can purchase underwritten retail cover. This can be funded both through super, and outside of super. If through super, you benefit from the 15% tax rebate and this strategy can be used to preserve cash flow. This form of cover is assessed by an underwriting team who look at your medical history, your lifestyle, and your occupation. Exclusions or loadings may be added to your policy at time of application and by going through this process, you have confidence in knowing what you are and what you are not covered for. This surely beats getting a nasty shock at claim time, having your claim knocked back for a pre-existing condition, when you have been paying years of premiums. Further, once in place, later health implications, lifestyle or occupation changes will not impact the cover you have. Although this process can take longer and sometimes involves medical reports and blood tests, the certainty provided for yourself and your family is worth any slight inconvenience. You do have a duty of disclosure when going through this underwriting process and in being open and honest, you have peace of mind that your claim will be paid out in your time of need. If you require help with understanding what’s best for you, the team at Superannuation Advice Australia can help. Contact us today!

https://superadviceaustralia.com.au/super-or-retail-insurance-cover/

When discussing property matters, home warranty and Homeowners insurance in Moncks Corner & Charleston are often crucial talking points. Understanding the distinctions is vital for ensuring your home’s safety and enjoying comprehensive protection. While both play essential roles, they serve different purposes and cover distinct facets of homeownership. So, let’s look at each to unravel the unique features that set home warranties and home insurance apart. And don’t forget, whether you’re in Moncks Corner or Charleston, securing your property with the proper homeowner’s insurance is essential. Homeowner Warranties in Moncks Corner & Charleston – What Is Covered? Home warranties are service contracts designed to cover the repair or replacement of major home systems and appliances. These include your HVAC (heating, ventilation, and air conditioning) system, plumbing, electrical systems, kitchen appliances, and more. The primary purpose of a home warranty is to provide financial protection against the inevitable wear and tear that occurs over time. Think of a home warranty as a safety net for unexpected breakdowns. For instance, a home warranty can help cover the repair or replacement costs if your refrigerator stops working or your furnace malfunctions. Home warranties are especially beneficial for homeowners in areas like Moncks Corner and Charleston, where the climate can sometimes take a toll on home appliances. However, it’s crucial to note that home warranties do not cover structural damage to your home, personal belongings, or injuries that may occur on your property. Their scope is limited to repairing or replacing covered appliances and systems. What About Homeowners Insurance in Moncks Corner & Charleston? On the other hand, homeowners’ insurance provides a broader scope of protection. Home insurance is a comprehensive policy that covers not only the structure of your home but also your personal belongings and liability for injuries that may occur on your property. This coverage is essential for Moncks Corner and Charleston homeowners to address potential risks associated with living in a coastal region. Your homeowners insurance in Moncks Corner & Charleston typically covers damages caused by covered perils such as fire, windstorms, hail, theft, and vandalism. It also provides liability coverage, which shields you if someone is hurt on your property and files a lawsuit against you. Unlike a home warranty, which focuses on specific appliances and systems, home insurance is more concerned with your property’s overall well-being and protecting you financially. It’s a comprehensive safety net that provides peace of mind for unexpected events threatening your home and personal belongings. Tips for Homeowners Living in Moncks Corner and Charleston Living in the picturesque areas of South Carolina comes with its unique set of challenges and considerations. When it comes to homeowners’ insurance, it’s essential to be proactive in safeguarding your property. Here are some tips for homeowners: 1. Understand Your Coverage: Take the time to review your homeowner’s insurance policy thoroughly. Considering the local climate and risks, understand the coverage limits, exclusions, and any additional endorsements necessary for your specific needs. 2. Consider Flood Insurance: Coastal regions are often susceptible to flooding, and standard homeowners insurance policies may not cover flood damage. Consider getting a second flood insurance policy to guarantee your home is fully protected. 3. Regular Maintenance is Key: Keeping your home appliances well-maintained can help prevent breakdowns and extend their lifespan, reducing the likelihood of unexpected repair costs. 4. Evaluate Your Home Warranty Needs: Assess the age and condition of your appliances and systems. A home warranty might be a wise investment to offset potential repair or replacement costs if you have older devices. Choose the Trusted Providers of Homeowners Insurance in Moncks Corner & Charleston In conclusion, while home warranties and home insurance play vital roles in protecting your property, they serve different purposes. A home warranty focuses on specific appliances and systems, offering coverage for repairs or replacements, while homeowners insurance provides comprehensive protection for your home, personal belongings, and liability. Get in touch with Swamp Fox Insurance and make an informed decision to safeguard your investment. Request a Quote to find the perfect balance between home warranty and insurance for comprehensive protection.

https://swampfoxagency.com/homeowners-insurance/the-differences-between-home-warranty-and-home-insurance-homeowners-insurance-in-moncks-corner-charleston/

How Does SR-22 Coverage Work? An SR-22 (financial responsibility) is also known as SR-22 insurance or Certificate of Financial Responsibility (CFR). The SR-22 policy was created to make it difficult for high-risk drivers to operate a vehicle without insurance. The Office of the Secretary of State uses the SR-22 insurance certificate in Illinois to verify that a high-risk driver possesses the state-required insurance. If you are classified as a high-risk driver, Illinois Vehicle Auto Insurance will help. After you purchase an auto insurance policy, we file the form to obtain an SR-22 certificate that gets you on the road again — legally. Without an SR-22 certificate, the Secretary of State revokes the license of uninsured, high-risk drivers. SR-22 policies range from one to five years, depending on the nature of the violation. Cheap SR-22 Illinois insurance may not always be best; Illinois Vehicle offers first-rate, affordable SR-22 insurance that fits your circumstances and budget. Who is Required to Carry SR-22 Insurance? Simply put, drivers who have been convicted of serious motor-related violations, including driving without insurance, are required to carry the Illinois SR-22 insurance certificate. The Secretary of State notifies the individual that he or she has been designated a high-risk driver subject to the SR-22 requirement. Examples of violations that result in the SR-22 requirement include: - DWI/DUI (Driving While Impaired/Driving Under the Influence) - Failure to carry insurance - Multiple moving violations - Reckless driving These descriptions are meant to assist you in determining your auto insurance needs. These are not complete descriptions and do not constitute an insurance contract or coverage for specific losses. For a complete description, please consult your policy contract or contact your insurance agent.

https://www.illinoisvehicle.com/insurance-basics/sr-22-insurance

There are various forms of insurance that you can get. When it comes to your home, you can easily find insurance brokers in Calgary that can provide home insurance. However, did you know that you can also get condo insurance? If you’re a condo owner, it might be in your best interest to consider looking into condo insurance and see if the cost of coverage is worth your dime! Encapsulating the Cost of Condo Insurance in Calgary What is Condo Insurance? So what exactly is condo insurance? And what does it cover? Condo insurance is mainly regulated to coverage in your unit. These include the possessions in your unit, storage locker, and any possible personal liability claims in case someone is injured at your place. Here is additional coverage that condo insurance provides in the case of any loss or damage to the following: - Personal belongings - The inside of your condo unit - Possible theft - Unit renovations from you or previous owners - Common spaces (i.e. hallways & elevators) resulting from an accident within your unit - Additional living expenses Why Get Condo Insurance? Many might wonder why condo insurance is even necessary. After all, the whole point of you owning a unit is that the condo fees can handle what needs to be covered. However, a condo corporation’s building insurance policy can vary in what is covered for the building and individual unit owners. When it comes to a condo corporation, they ensure the building’s insurance coverage through the condo fees that you pay monthly. Yet, the thing about condo fees is that it’s regulated to only the building – not your unit. The condo fees you pay go towards the building’s upkeep through snow removal, utilities, lawn care, parking garages, and repairs to the building’s common spaces. In essence, a condo building’s insurance policy doesn’t fully cover damages and losses for individual unit owners, but more so for communal coverage that extends to the building’s common areas. But with condo insurance, you can rest assured that if anything were to occur in your unit, it would be covered. You won’t risk assuming your building’s insurance will cover anything and be surprised by unexpected expenses. That’s why it’s important to review a condo building’s insurance policy when comparing condo insurance coverage and whether you’re considering moving into a condo. What’s the Cost of Condo Insurance? Currently, in Calgary, condo corporations have higher insurance policy rates, resulting in increased condo fees for unit owners. As a result, condo insurance rates have been steadily climbing since 2021. The reason is from recently damaging hailstorms. The June 2020 hailstorm in Calgary saw a whopping $1.2B in insurance claims. Despite the increase in condo fees, condo insurance has remained relatively steady in rates. In Calgary, you can expect the average cost of condo insurance to be between $30-$50 per month or $400 to $600 annually. The prices will vary depending on the location, building age, and risks. Compared to home insurance in Calgary, paying for condo insurance is more affordable. Lakeview Insurance Brokers Ltd. has been a highly dedicated member of the Independent Brokers Association of Albert and has been family-run since 1979. Our brokers take the time to ensure you get the best policy that suits your needs. Contact us today to get started at 403-287-2521 or send an email to [email protected].

https://www.lakeviewinsurance.ca/tag/condo-insurance-calgary/

How to get roof replacement covered by insurance. - by siteadmin Getting insurance for your roof may seem to be a daunting task. This issue can easily be resolved by a roofing professional with some preparation. Most standard homeowner's policies cover damage caused to roofs by sudden perils including wind, snow, and hail. However, gradual roof leaking due to neglect is not covered. Make a claim Homeowners can find the process of filing insurance claims intimidating. Knowing the process and knowing how to proceed is essential for those who are filing a claim due to roof damage. The first thing you need to do is review your homeowners policy to see whether or not it covers roof replacement or repair. If so document any damage that has occurred and submit a claims with them. Your insurance provider will send you a payment for the roof's actual cash value as well as depreciation. After the work is done, another payment for replacement costs will be sent. This will give you maximum payout. Roofs play a crucial role in the construction of a house. They keep the home structurally sound while protecting it from bad weather. Unfortunately, replacing a roof damaged by a hurricane or other event can be expensive. You should minimize costs as much as possible. It would be wise if you could get insurance to cover such costs. The first step in getting roof replacement covered on an insurance policy, is to identify if it does. It's important to understand the terms of this benefit before purchasing it. Document the damages by taking photos and making notes. This will allow the adjuster to evaluate your claim and determine how much compensation to give you. If damage is extensive, it may be necessary to file more claims. If your insurance company rejects your initial compensation request, you can still seek financial assistance from local governments or disaster relief agencies. Get a quote from a roofing contractor Insurance companies require roofing professionals to inspect a roof before they cover repairs or replacements. Having their expert opinions on hand can be a great asset in negotiations. Roofs that are not repaired or replaced can quickly deteriorate. Over time shingles may fall off or dislodge. Moisture seeping into walls will cause mold, mildew, and wood decay to grow. To prevent further damage on your roof, it's important to file a claim as soon you can. The typical homeowner's dwelling insurance protects roofs from sudden and unforeseen perils such a wildfires. tornadoes. hail storms. lightning strikes. falling objects or debris. Insurance companies can sometimes deny or only partially cover claims. If this occurs, you can appeal that decision or seek assistance from local governments or disaster relief agencies. Negotiating with sellers in order to secure funding after closing for roof replacement requires patience and skilled negotiation skills. Sellers often concentrate on selling the home quickly, without considering its most important systems, such as its roof. Your real-estate agent is there to guide you during negotiations. They can ensure that you fully understand the condition and details of the roof. They can also discuss insurance limits and document any relevant information before providing estimates on a replacement cost estimate. By using a roof inspection checklist and hiring an experienced roofing contractor, you will be able to work with your insurance company to file a request and get full coverage. You may even be able negotiate a reduced price if the damage is severe enough. This will help you afford better roofing at a more affordable cost, while increasing your chances of approval from mortgage lenders. Getting insurance for your roof may seem to be a daunting task. This issue can easily be resolved by a roofing professional with some preparation. Most standard homeowner's policies cover damage caused to roofs by sudden perils including wind, snow, and hail. However, gradual roof leaking due to neglect is not covered. Make a claim… - GRO Construction Emerges as Premier Roofing Contractor in Westlake, TX - Shattering Myths: Debunking Common Misconceptions About Creating a Stellar Roof - Discovering the Hidden Gems: Unlocking the Secrets to a Stellar Roof - Revealing the Secrets to a Stellar Roof: Proven Methods for Exceptional Results - The Science of Roofing: Understanding the Elements and How They Affect Your Roof

https://www.roofingtimes.xyz/how-to-get-roof-replacement-covered-by-insurance-2/

Introduction to Wildland/Urban Interface Hazardous Fuels Mitigation The wildland/urban interface is any area where man-made buildings are built close to or within natural terrain and flammable vegetation, and where potential for wildland fire always exists. During the past few decades, population growth in the wildland/urban interface has increased greatly. Subdivisions and other high-density developments have created a situation where wildland fires can involve more buildings than any amount of fire equipment can possibly protect. The past 100 years of wildland fire suppression has led to heavy vegetation growth and thus has greatly increased the potential fuel-load, “Hazardous Fuel”, for a wildfire to burn. As the wildland/urban interface has grown into these densely packed forests, the potential for catastrophic wildland fires has increased as well. Introduction to the Western Wildland Urban Interface Grant Program The Western Wildland Urban Interface Grant Program is the primary grant that has been used by Fremont County Fire to provide wildland fire hazard mitigation for residents of Fremont County. The grant provides cost-share monies that are available to homeowners for fuel mitigation and forest health activities. The Wyoming State Forestry Division has provided Fremont County Fire with the grant to cost share these activities. The Fremont County Wildland Fire Management Program (Wildfire – Hazardous Fuels) was established to develop a cooperative plan to lessen the likelihood of severe wildland fires in the wildland/urban interface. A number of cooperators at the county, state, and federal levels are actively involved in the program. The Hazardous Fuel program’s goal is to provide public education about fire-resistant construction techniques, ignition resistant landscaping, and to provide Wildfire Mitigation plans which help to reduce the hazards in and around homeowner’s property.

http://www.fremontcountywildfire.com

Zyra's website //// Insurance //// Travel Insurance //// Home Insurance //// Car Insurance //// Pet Insurance //// Life Insurance //// Health Insurance //// *direct* //// Site Index The insurance company with the little remote control machines on wheels in their famous advertising campaigns now has a wide variety of different types of insurance available for you to look at. Car insurance, home insurance, travel insurance, pet insurance for cats and dogs, life insurance (including life insurance against critical illness) and a type of rescue cover which is for the home. To find out more, you are welcome to click on the links below to find out more about the Direct Line products: Direct Line Car Insurance Direct Line Home Insurance Direct Line Home Rescue Cover Direct Line Travel Insurance Direct Line Life Insurance (gone) Direct Line Life Insurance with Critical Illness Direct Line Pet Insurance Direct Line Landlord Insurance Notice how the red telephone on wheels has been joined by a little red mouse on wheels now that Direct Line are in the business of offering insurance ONLINE. We like that. Another good point: According to a TV commercial for Direct Line Insurance early in 2008, "You won't find Direct Line on any price comparison website". The idea is you'll get the best deal from Direct Line without being involved in price comparison. Please note that this is quite separate from another company with a similar name, Directline Holidays

http://www.zyra.global/www.zyra.org.uk/directline.htm

Condo Insurance in and around Royal Oak - Huntington Woods - Van Buren Township - Oak Park - Oakland County - Wayne County - Washtenaw County - Bingham Farms - Lathrup Village - Farmington Hills - Pleasant Ridge - Sterling Heights - West Bloomfield Your Belongings Need Coverage—and So Does Your Condominium. There are plenty of choices for condo unitowners insurance in Royal Oak. Sorting through deductibles and savings options can be overwhelming. But if you want surprisingly great priced condo unitowners insurance, choose State Farm for covering your condo and personal belongings. Your friends and neighbors in Royal Oak enjoy incredible value and straightforward service by working with State Farm Agent Cameron Barnes. That’s because Cameron Barnes can walk you through the whole insurance process, step by step, to help ensure you have coverage for your condo as well as sound equipment, musical instruments, clothing, jewelry, and more! Why Condo Owners In Royal Oak Choose State Farm Condo unitowners coverage like this is what sets State Farm apart from the rest. Agent Cameron Barnes can be there whenever the unexpected happens to help you submit your claim. State Farm is there for you. As a commited provider of condo unitowners insurance in Royal Oak, MI, State Farm aims to keep your belongings protected. Call State Farm agent Cameron Barnes today and see how you can save. Cameron BarnesState Farm® Insurance Agent Royal Oak, MI 48067-3833

https://cameronsf.com/insurance/condo

Business Insurance in and around Covington Twp - Moscow, PA - Hamlin, PA - Lake Wallenpaupack - Hawley, PA - Elmhurst Twp, PA - Poconos, PA - Jefferson Twp., PA - Newfoundland, PA - Gouldsboro, PA - Tobyhanna, PA Cost Effective Insurance For Your Business. Running a business is about more than being your own boss. It’s a lifestyle and a way of life. It's a commitment to a bright future for you and for everyone you care for. Because you do whatever it takes to make your business thrive, you’ll want small business insurance from State Farm. Business insurance protects all your hard work with a surety or fidelity bond, errors and omissions liability, and extra liability coverage. Insurance Designed For Small Business Why choose State Farm for coverage? Your fellow business owners have rated State Farm as one of the top overall choices for insurance coverage by small business owners like you. You can work with State Farm agent Jeff Ryan for a policy that safeguards your business. Your coverage can include everything from extra liability coverage or errors and omissions liability to employment practices liability insurance or mobile property insurance. Agent Jeff Ryan is here to discuss your business insurance options with you. Contact Jeff Ryan today! Jeff RyanState Farm® Insurance Agent Covington Twp, PA 18444-7948

https://jeffryaninsurance.com/insurance/business

Every day, virtually all companies in Australia handle electronic data containing sensitive information about their clients as well as corporate information about their own company. All are faced with real liabilities if data falls into the wrong hands or enters the public domain accidentally or fraudulently. Cyber criminals have many faces and are the growing scourge of commerce worldwide. From hackers who seize and hold your data for ransom to denial of service attacks; inadvertent or negligent breaches of client data; websites not being accessible, leading to loss of reputation… the outcomes of a cyber security incident can have a significant impact on the finances and reputation of a business. What is Cyber Protection Insurance? Cyber Protection Insurance is a relatively new form of cover. It’s designed to help protect your business from the financial impact of computer hacking or a data breach. Why do I need it? If your business has a website or electronic records, you’re vulnerable to cyber hackers. In fact, it’s likely that your business will suffer a cyber attack at some stage. A cyber attack could cost your business more than money. It could also threaten your intellectual property and put customers’ personal information at risk – which could damage your reputation. Download our fact sheet for details on what a Cyber Insurance policy covers, what usually isn’t covered, types of cover and the potential benefits. Our online questionnaire is available for when you are ready to get a quote. Did you know? - Australia is the 5th most targeted country for cyber attacks globally - 75% of cyber attacks come from human error - More than 20% of Australian businesses have experienced cybercrime, with 40% directed at SMEs - The average cost of a cyber incident in Australia is $276,232

https://scottwinton.com.au/cyber-protection-insurance-at-a-glance/

Understanding the Claims Process We are dedicated to serving our policyholders when disaster strikes. Fully staffed with adjusters to handle all of your claim needs, we have 24-hour claims reporting and emergency services available. To Report a Claim: - Call our 24-hour line at 1-866-277-9871, or - Go to our website to File a Claim - Check the status of your claim here Please have the following information available: - Your contact information - Repairmen’s contact information, if applicable - Photos of the damages right after the loss - Invoices for any temporary repairs or mechanical parts - Receipts and invoices for incurred expenses if your home is deemed unlivable - Please note: Coverage for these expenses is known as Additional Living Expenses (ALE). Be sure to ask your claims representative if this is included in your policy. To provide the best service, we have partnered with Hancock Claims Consultants to assist you with finding a contractor to help with repairs of all types. What Happens During the Claims Process? We’ve provided a step-by-step overview of our claims process so you know what to expect after you have an unexpected loss. Our experienced team is here to assist you from the moment you’ve first learned of the damage to the moment when your house becomes a home again. Step 1: Claim Assignment Once you have notified us of your claim, it will be assigned to a professional who will help guide you through the claims process. If an inspection is needed, your claim will be assigned to a field adjuster who is located in your area. Step 2: Communication We will attempt to contact you within 24 hours of receipt of your claim. If you have reported the claim after our normal hours and it is an escalated situation – fire, water overflow, or your home is unlivable – an on-call adjuster will contact you immediately to provide directions and resources. Step 3: Initial Contact Your claims professional will gather facts about your loss, review and explain your policy coverage, including the deductible, and discuss next steps. If needed, they may schedule an in-person appointment or send an expert to your home, such as an engineer. Step 4: Estimate and Evaluation During the evaluation process, your claims professional will determine whether the loss is covered under your policy. An estimate for the damages to your property will be made. Step 5: Resolution After the evaluation has been completed, you will be issued a check for covered losses based on the approved repair estimate. Please note that while our goal is to have all claims concluded as soon as possible, some claims are more complex than others and may take longer to resolve. Step 6: Closing the Claim Remember in the Event of a Claim Once your claim has been resolved, the file will be closed. If you discover additional expenses or damages, or if there are additional facts not previously presented regarding the loss, please provide the information to us immediately. At that time, your claim will be re-opened for additional review. Report it as soon as possible through our 24-hour claims line, 1-866-277-9871, or file a claim online . We are here to help.

https://www.aiicfl.com/manage-claims/claims-overview

Every store, be it eCommerce or brick-and-mortar, has faced fraudulent purchases, which impacts your bottom line and can hurt your reputation. But did you know that Shopify has ways to help keep your business safe from fraudulent purchases? Read on to learn how to protect your Shopify business from common frauds with Shopify fraud protection. Common Types of Fraud Before we can talk about fraud protection, we need to understand what are the most common types of fraud that stores face. Perhaps the most common type of fraud, chargebacks (aka ‘friendly fraud’) occur when a customer buys a product or service, and then tells their credit card company that it was a mistake/product wasn’t received/they don’t recognize the charge and ask for the money back. This can be done intentionally by the card holder, or done by the cardholder when someone has stolen their card to make the purchase. Regardless of if the chargeback was done purposefully or accidentally, the bank will charge your business a chargeback fee. Refund abuse occurs when a customer returns a broken, damaged, or stolen item back to the merchant. While refunds don’t automatically mean fraud, a customer that repeatedly does this or returns stolen items can be concerning. Payment Fraud/Credit Card Testing While these are slightly different, both use a stolen card. In credit card fraud, scammers steal a credit card and make a small purchase (typically less than 5-10 dollars) to verify that they have money on the card. When a scammer has determined that there is money on the card, they will use it to make a big purchase. When this happens, your store can be subject to fees, including chargebacks. Now that you know the basic types of fraud, let’s look at how to protect against them. Protection Against Common Types of Fraud Knowledge is power, and in this case it is key to keep your store safe from fraud. So how can you protect your Shopify store against common fraud? Used for overall fraud protection, Shopify Protect is a free app that uses Shop Pay to protect your shop against fraud. When a customer buys through Shop Pay, it protects eligible products from fraud and chargebacks. That means that you will be reimbursed for any chargebacks on eligible orders. This only applies to physical items, not digital, must be in the United States, must be fulfilled within a week and must be shipped with a shipping tracking number from a supported carrier. There are things that you can do to protect yourself against fraud before it even happens. Decline high-risk orders Shopify Fraud Analysis will flag orders that are high-risk, meaning higher change that the order is fraudulent. Declining these orders will help protect against fraud. Requiring the CVV means that even with the card number, a scammer can not complete payment. Avoid shipping to PO boxes Many scammers use PO boxes to receive packages without drawing attention to the fact the shipping and billing addresses are different. Also, only USPS can deliver to PO boxes, so you may not be able to send orders regardless. The Bottom Line While the threat of fraud can be scary for many Shopify Merchants, there are steps you can take to keep your store safe, protect your bottom line, and keep your reputation damage free.

https://www.fyresite.com/shopify-fraud-protection-101-keeping-your-shop-safe/

What HOAs Need to Know About Insurance Appropriate insurance is very crucial component for associations, to protect not only the association as a whole, but the individual Board members who are volunteering their time to serve that association. When evaluating insurance, keep the following information in mind: 1. Understand what types of insurance exist. (A) General Liability Insurance – Liability insurance insures against third party claims arising from alleged bodily injury or property damage to members of the public. The insurance company has the duty to defend the association against any claim that alleges injury or seeks damages regardless of whether the association is negligent. However, the association should make sure of any exclusions in coverage that exist. (B) Personal Injury Insurance – Extends bodily injury to include false arrest, detention or imprisonment, malicious prosecution, libel, slander, defamation of character, invasion of privacy, wrongful eviction and wrongful entry. Some forms may also include coverage for humiliation and discrimination. (C) Medical Payments – Provides coverage for medical expenses of members of the public injured on the common property, whether or not the association is liable. (D) Directors and Officers’ (D&O) Coverage – Provides protection against claims alleging loss arising from mismanagement or wrongful act. The extent of coverage varies depending on the insurance company. Some policies cover any breach of duty, neglect, error, misstatement, misleading statement, omission or other act done or wrongfully attempted by the association (unless the act was done with criminal intent). However, other policies have many exclusions, and do not cover all acts. (E) Fidelity (Employee Dishonesty) Coverage – Indemnifies the association for loss of money, securities, or any other property due to acts of fraud, dishonesty, forgery, theft, larceny, embezzlement, wrongful abstraction, or willful misapplication or misappropriation, or any criminal act. The association should considering naming its management company as an additional insured to this policy. If the management company were to misappropriate the association’s funds, the association may be able to recover those funds from its insurance company if the management company were named as an additional insured on the policy. 2. Make sure that the association is carrying appropriate insurance. To make this evaluation, the association needs to evaluate the requirements of its governing documents and the law. Furthermore, the association should make sure that it is adequately covered (to both protect the association’s assets and its Board members). If the association is a condominium, it has certain responsibilities to insure the condominium complex as a whole. The association needs to make sure that it is carrying all insurance that is required, both by law and by its governing documents. 3. Understand who is responsible for paying the insurance deductible. The issue of who pays the insurance deductible becomes a much larger issues as deductibles increase. If the association carries insurance on any portion of units, the association should make sure it is clear as to who is responsible for paying the insurance deductible. If this information is not clear, the association should evaluate whether it can adopt a policy or rule setting forth this requirement, or if an amendment to the association’s governing documents is necessary. 4. Evaluate your insurance policy carefully. Know that all insurance policies are not equal. Make sure that the policy you pick truly covers everything that the association is required to cover. Understand what exclusions exist, if any. Make sure your policy covers the defense of discrimination claims, claims that do not involve monetary damages, and contract claims. (A) Workers’ Compensation – Insures the association against claims for work-related injuries or diseases suffered by employees that are compensable by statute and/or are imposed by law as damages. Coverage is provided for payment of medical expenses and reimbursement of lost wages. Coverage should be considered even if there are no regular employees. Protection may be needed in the event the association employs casual labor or if the association hires an independent contractor who has no insurance coverage. “Chapter 16 – Insurance | Krupnik Law Firm.” Krupnik Law Firm. Lynn Krupnik, n.d. Sept. 2015.

https://www.homeownerresources.com/community-information-and-resources/aam-news/2015/10/20/what-hoas-need-to-know-about-insurance/

Pedestrian accidents in Lansing usually result from negligent driving. These accidents can also lead to devastating personal injuries and other permanent life consequences. Unlike motor vehicle occupants, pedestrians do not have an outer barrier between themselves and the ground. Consequently, if they fall to the ground in an accident, they are almost certain to suffer serious injuries, leading to high medical costs, suffering, and pain. When that happens, accident victims may file a claim seeking a monetary recovery. If you sustained injuries in a recent Lansing pedestrian accident, you want experienced legal counsel on your side right away. If you wait too long to find a personal injury attorney for representation, you may waive your right to recover monetary damages under the statute of limitations. The knowledgeable Lansing pedestrian accident attorneys at Michigan Injury Lawyers can meet with you to discuss the circumstances surrounding your pedestrian accident and determine your eligibility for filing a claim. We can then take all the necessary legal steps on your behalf and negotiate with insurance company representatives. Finally, we can pursue the maximum monetary compensation you deserve in your pedestrian accident claim or lawsuit. For a free case evaluation and legal consultation with a pedestrian accident attorney, please contact our office for more information. - Why Choose Us for Legal Representation? - How Much Is My Pedestrian Accident Case Worth? - Where Do Pedestrian Accidents Typically Occur in Lansing? - Common Causes of Pedestrian Accidents in Lansing - Types of Injuries in Lansing Pedestrian Accidents - Fighting the Insurance Company after a Pedestrian Accident in Lansing - What to Do After a Lansing Pedestrian Accident - Contact a Lansing Pedestrian Accident Lawyer Today Why Choose Us for Legal Representation? When it comes time to retain legal counsel to represent you in your pedestrian accident case, you want the best possible attorneys to advocate for you every step of the way. At Michigan Injury Lawyers, our legal team has a strong track record of success in favorably settling and litigating local pedestrian accident cases in court. Our team has successfully obtained millions of dollars for our injured clients via favorable settlement offers from insurance companies and favorable litigation results in court. Let us maximize the monetary recovery you deserve for your pedestrian accident injuries. How Much Is My Pedestrian Accident Case Worth? The ultimate goal of any pedestrian accident claim or lawsuit in Lansing is to recover top dollar for the case. When it comes to motor vehicle accidents and pedestrian accidents, Michigan follows no-fault insurance laws. Therefore, an injured car accident victim or pedestrian must first typically look to their own Personal Injury Protection (PIP) insurance coverage for monetary compensation following an accident. However, this insurance coverage only compensates accident victims for certain out-of-pocket costs, including related medical expenses. If the accident victim suffers a permanent disability or disfiguring injury, or their total damages exceed the amount of available PIP coverage, they may file a third-party personal injury claim or lawsuit with the at-fault driver's insurance company. As part of a third-party personal injury claim, accident victims can recover various damages, depending on the facts and circumstances of their case. Those factors may include the type of claim that the accident victim files, the injuries the accident victim suffered, the medical treatment the accident victim underwent, the total cost of their medical care, and the likelihood they will require ongoing medical treatment. Moreover, if an injured pedestrian accident victim suffered a permanent injury, such as a traumatic brain injury or paralysis injury, they may recover monetary compensation for their anticipated medical costs, as well as for anticipated pain, suffering, and inconvenience. As part of a third-party claim, pedestrian accident victims can recover monetary damages for their related medical expenses, lost income, and loss of earning capacity if they had to switch jobs and accept a lower-paying position due to their injuries. In addition to recovering out-of-pocket costs in a third-party claim or lawsuit, pedestrian accident victims can recover compensation for their intangible losses, including monetary damages for related: - Mental distress - Pain and suffering - Permanent inability to use a body part - Lifetime care costs - Loss of life enjoyment - Loss of spousal companionship and consortium - Permanent disfigurement or disability At Michigan Injury Lawyers, our team can help you develop realistic expectations for the types and amounts of monetary compensation you may be eligible to recover in your pedestrian accident case. We can then help you file the appropriate claim or lawsuit to get you the maximum compensation you deserve for your injuries. Where Do Pedestrian Accidents Typically Occur in Lansing? Unfortunately, pedestrian accidents are common in the Lansing area. With the many educational institutions in the area, including Western Michigan University and Michigan State University, pedestrians are frequently in crosswalks on area roadways, both in Downtown Lansing and East Lansing. These accidents may also occur in the various parking lots and parking garages that surround MSU, as well as on nearby sidewalks. Pedestrian accidents on sidewalks usually occur when a driver speeds, fails to watch the road attentively, or drives under the influence of alcohol or drugs. If you recently sustained injuries in a pedestrian accident in one of these locations, you should immediately seek the legal help you need. At Michigan Injury Lawyers, our experienced and compassionate legal staff can work to get you the compensation you deserve. We can also retain an accident reconstructionist to help you determine how your accident happened and who caused it. Common Causes of Pedestrian Accidents in Lansing In most situations, Lansing pedestrian accidents happen when people drive in a distracted, reckless, or careless manner. In some cases, pedestrian accidents may occur when drivers negligently violate standard traffic laws, such as by failing to use their mirrors, speeding, tailgating, and failing to yield the right-of-way to pedestrians at intersections crosswalks. In addition, negligent drivers might fail to yield the right-of-way to pedestrians in parking lots and garages. If drivers fail to use their mirrors and backup cameras, they might back right into a pedestrian, knocking them to the ground and causing serious injuries. At other times, pedestrian accidents happen when people drive aggressively. They might be hurrying to get through a red light, negligently disregarding a pedestrian's presence at an intersection crosswalk. Pedestrian accidents can also occur when people drive in a distracted way. Instead of paying attention to the road attentively, a driver might instead be roughhousing with vehicle passengers, listening to loud music in their vehicle, or using an electronic device, such as a GPS navigation system or cellular phone, instead of watching the road in front of them and behind them. Unfortunately, when people drive while distracted, they might fail to see a pedestrian in the vicinity – or on a nearby sidewalk – negligently striking them and causing them to fall on the ground. Finally, pedestrian accidents can occur when people drive under the illegal influence of alcohol or drugs. These substances can alter a driver's mindset, blur their vision, and delay their reaction time. Consequently, an intoxicated driver may not even see a pedestrian at an intersection crosswalk, bringing about a severe collision. Alternatively, a drunk driver might experience delayed reflexes and reaction time, preventing them from stopping in time to avoid striking a pedestrian near an intersection. Drivers who have a blood alcohol concentration, or BAC, of at least 0.08 percent are legally intoxicated. In addition to receiving criminal penalties upon conviction for DUI, a driver may have to pay an accident victim civil damages if they cause a crash. If you sustained injuries in a recent pedestrian accident that resulted from a driver's careless and reckless activity, you should explore your legal options sooner rather than later. The knowledgeable Lansing pedestrian accident attorneys at Michigan Injury Lawyers can review your options and help you decide on the best way to proceed with your case. We can then assist you with filing an insurance claim right away and pursuing the monetary damages you need for your accident-related injuries and losses. Types of Injuries in Lansing Pedestrian Accidents When a pedestrian falls to the ground in a severe accident, they often stand to suffer extremely serious and sometimes permanent impairments. The full nature and extent of a pedestrian accident victim's injuries typically depend upon the force of the collision and how they hit the ground. Some of the most common injuries that a pedestrian accident victim might suffer in a collision include: - Traumatic head and brain damage - Eye injuries - Tooth or jaw injuries - Paralysis injuries - Spinal cord injuries - Road rash - Soft tissue damage - Broken bones - Rib fractures - Internal organ injuries Following a pedestrian accident, you should complete all of the medical treatment a provider prescribes. As you complete your medical treatment, the skilled Lansing pedestrian accident attorneys at Michigan Injury Lawyers can begin advocating for you. Our legal team can gather the necessary documents for your pedestrian accident claim or lawsuit and assemble a settlement demand package for the insurance company to review. Fighting the Insurance Company after a Pedestrian Accident in Lansing Following a Lansing pedestrian accident, you will likely be dealing with one or more insurance companies. Even if you are dealing with your own insurance company, you should never assume that the insurance company is on your side. In fact, they are your direct adversary. An insurance company has an incentive to offer you as little monetary compensation as possible to resolve your pedestrian accident claim. After all, insurance companies do not make money by paying out significant amounts of monetary compensation to accident victims. Rather, they only make money when they collect premiums from insured individuals and entities – and when they keep this money in-house. Insurance companies and their adjusters will frequently do everything they can to undermine a claim and pay out as little compensation as possible to the injured accident victim. However, the experienced team of Lansing pedestrian accident lawyers at Michigan Injury Lawyers is on your side. We can aggressively fight the insurance company on your behalf by pointing out the strengths of your case and the highlights of your medical records. We can also convince the insurance company to increase their settlement offer accordingly. If they don't, and you are eligible to file a third-party personal injury lawsuit against the at-fault driver, we can assist you with every step of the litigation process. For example, during litigation, we may continue our settlement negotiations with insurance company representatives, help you answer written Interrogatories, prepare you for your discovery deposition, and attend settlement conferences. If your case must proceed to a civil jury trial, we can represent you in court and introduce evidence on your behalf. We can also help you pursue alternative dispute resolution (ADR) options, such as mediation or binding arbitration. Every step of the way, we can answer your questions and help you make intelligent and informed decisions about how best to secure the monetary recovery you deserve. What to Do After a Lansing Pedestrian Accident Following a Lansing pedestrian accident, there are certain steps that you should always take. Most importantly, follow through with your medical provider’s treatment recommendations. For example, you may need to consult a medical specialist, attend follow-up physical therapy appointments, or consult your primary care doctor as soon as possible after your accident. You must also gather certain documents following your pedestrian accident, including a copy of the police report, statements from witnesses (if any), witness contact information, and any medical treatment records and bills you receive. Once you forward those documents to us, we can assemble them into a settlement demand package when it comes time to negotiate a settlement offer in your case. Contact a Lansing Pedestrian Accident Lawyer Today Having an experienced pedestrian attorney on board in your case is extremely important, especially when negotiating fair settlement compensation with insurance company representatives. At Michigan Injury Lawyers, our experienced legal team can help you pursue and recover the monetary damages you need for your accident-related losses. We can also help you litigate your case if that becomes necessary. Whatever you decide, our team will help you pursue and recover the fair compensation you deserve. Michigan Injury Lawyers Office 1223 Turner St., Ste. 333 Lansing, MI 48906

https://www.michiganinjurylawyers.com/lansing-pedestrian-accident-attorneys/

The 100% commission broker model in the real estate industry is about the split in the commission from a sale. When an agent works for a large real estate firm, such as Coldwell Banker or ReMax, they share a percentage of the sale's proceeds in return for supplies, office space, and many services. Working for a firm versus being a 100% commission broker means the commission from your property sales gets split between you and the broker. The 100% commission structure means you get all the commission, but you have to be aware of the catches that could lead to you going bust. There is no free lunch as the saying goes. Bad Costs Are Why Some 100% Commission Agents Go Bust Some brokerages will charge higher fees than others, which could lead you to pay more than you would through real estate brokers who only take a commission cut. Fees have to be charged to cover what is being lost with getting a smaller part of the commissions. There are also monthly fees, and in some cases an admin fee per settlement, or what is called a transaction fee. When choosing a brokerage firm to become a 100% commission agent, you want to be aware of these fees and ensure they are not bad costs that will leave you with less than you budgeted for from your commissions. Stanfles Realty offers you a premium 100% commission with a competitive flat transaction fee structure. Risk Management and the 100% Commission Agent Fees adding up are not the only reason some 100% commission agents go bust. Not selling properties will also cause your business to fail. Risk management and the 100% commission broker model means you want to choose a brokerage firm that helps you find properties and clients and is willing to help you succeed in your goals. Choosing a firm that offers training and marketing materials will reduce the risk of failure. Reducing your risk of failure will mean you want to stay away from brokerage firms that don't help you close deals. Some of these firms will take your monthly fees, and since they have no incentive to help close the sale, they let you complete all the details and paperwork on your own. Reduce Your Risk of Going Bust by being a 100% Commission Agent STANFLES REALTY offers 100% commission brokers training, and you are charged a highly competitive flat transaction fees structure, so you are able to gauge your budget. Working with us at STANFLES REALTY will mean you have access to corporate branded offices in California as well as to leads from overseas and domestic channels. Reduce your risks and bad costs and work with STANFLES REALTY to make your business a success. Our Broker has a PhD in Marketing and specializes in Price-Quality Heuristics pricing. He understands the fundamentals of pricing be it for Agent-Broker splits or Property pricing or even client rebates. Stanfles Realty has also a great mentorship program where the broker actually answers calls, guide you through problems and physically assess properties if need be. Join STANFLES REALTY, the true 100% Commission Broker with extensive support and reputation.

https://www.stanfordrafflescommercial.com/post/why-so-many-100-commission-brokers-go-bust-bad-cost-and-risk-management

Applied Systems Releases Applied WebRater 2020 November 27, 2019 Latest release of Applied WebRater further enables brokerages to increase profitability through enhanced customer and prospect self-service quoting MISSISSAUGA, Ont. – November 27, 2019 – Applied Systems® today announced the latest global release of Applied WebRater®, Canada's leading brokerage-branded online customer self-service quoting solution. Applied WebRater 2020 further advances brokerages’ ability to increase multichannel engagement with insurance consumers and enhance their advisory role while generating new business faster. As part of Applied Rating Services’ brokerage suite, Applied WebRater increases brokerage productivity through automated collection of prospects’ underwriting, rating, and consumer information, which is easily imported from a consumer desktop or mobile device into Applied AutoRater® and Applied PropertyRater®, reducing time spent on manual entry of information. Applied WebRater also provides a lead generation tool branded for the broker to increase new business opportunities and drive growth. Key enhancements to Applied WebRater include: - Lead Generation Forms: Further enables brokers to provide multichannel engagement and customer choice on how to engage in the quoting process. - Expanded Product Coverage: Provides the opportunity for brokers to offer additional coverage options to consumers to better round out accounts. - Quote Inventory: Single view enables the broker to review, sort and quote through a list of complete or semi complete quotes to quickly re-engage and close new business. - Consumer Property Application: Provides consumers a means to provide additional risk information and to expedite the application process. “Today’s insurance consumer has a high expectation for personal advice and guidance from their broker – at any time of the day and wherever they need it,” said Jeff Purdy, senior vice president of International Operations, Applied Systems. “The latest release of Applied WebRater ensures that brokers stay front and centre in the selling process while enabling a superior level of service to further differentiate their business.” # # # The Applied products and logos are trademarks of Applied Systems, Inc., registered in the U.S. About Applied Systems Applied Systems is the leading global provider of cloud-based software that powers the business of insurance. Recognized as a pioneer in insurance automation and the innovation leader, Applied is the world’s largest provider of agency and brokerage management systems, serving customers throughout the United States, Canada, the Republic of Ireland, and the United Kingdom. By automating the insurance lifecycle, Applied’s people and products enable millions of people around the world to safeguard and protect what matters most.

https://www1.appliedsystems.com/en-ca/news/press-releases/2019/applied-systems-releases-applied-webrater-2020/

Do you need a mortgage loan to achieve your goal of buying a home? If so, have you searched for a mortgage broker? Many people do not know that mortgage brokers exist. Instead of using one, they visit a bank for a loan. You can visit a bank for a loan, but you can also get a mortgage through a broker. Here is an explanation of what a broker is and how he or she helps you get a loan when you need one. A Broker Is a Middleman The first thing to understand is that brokers do not issue loans, nor do the companies they work for or own. Instead, they work with mortgage lenders, and the lenders issue the loans. Brokers often work with dozens of lenders or more, and they find loans for people through the lenders. You do not pay more for using a broker, even though he or she is a middleman. You still pay one loan origination fee, and the lender pays the broker a fee. The Goal of a Broker When you use a middleman to find a loan, you get access to many loans. Therefore, the goal of a mortgage broker is to find you the best loan. Because the broker works with many lenders, the broker has access to many options for you. People use brokers for this purpose. A lot of people use brokers for help when they have low credit scores or poor financial positions. The variety of loans the broker can find help almost anyone get a loan when they need one. Why You Should Use One If you have excellent credit and finances, a broker can find you the best loan. While people in this position often use brokers, people with less-than-perfect credit often reap a lot of benefits from using a broker. If your credit is low or if you are having trouble getting a loan for any other reason, a broker can help. Brokers do not only help people find loans, but they are also good at assisting people in finding ways to improve their financial positions. If you improve your financial situation through the tips the broker offers, you might qualify for a loan faster than you would otherwise. Anyone who wants to buy a house and needs a loan can benefit by talking to a mortgage broker. You can learn more by calling one like one at Cornerstone Residential Mortgage today.

http://location-riez.com/2020/06/05/what-is-a-mortgage-broker-and-how-does-he-or-she-help-you-with-a-loan/

In the event your house is affected by severe weather such as wind, hail, or falling debris, you should have your roof inspected by a certified professional in order to assess any damages that may have occurred during the storm. Our team is here to help guide you along the way! After carefully inspecting your roof inside and out, we will provide you with a complete damage assessment that will help you make an informed decision when it comes to filing an insurance claim. If the damage permits and you choose to file a claim, your insurance company will assign a claim number and schedule an adjuster to come to your property to meet with your Big League roofing specialist and discuss the findings of the roofing inspection. After completing the inspection, the adjuster will create a report of their findings and submit it to your insurance carrier for final approval. In some cases, the adjuster will determine there is not enough damage and the claim will be denied. In other cases, the adjuster will either approve repairs to the damaged areas or approve a full replacement, depending on the amount of damage that was found. The claim approval amount will be determined by your policyholder and whether you have an Actual Cash Value (ACV) or a Replacement Cost Value (RCV) policy. You will be responsible to pay the deductible amount and the remaining funds will be issued directly to you for completion of the approved scope of work. Whether your roof needs a repair or a full replacement, You can count on Big League Roofers to deliver a fast, accurate, and certified assessment of your roofing structure. Call us today for a free inspection!

https://bigleagueroofers.com/understanding-the-insurance-claim-process/

Following a period of heavy rain, the river Avon may overspill its banks. Although severe flooding in Bradford on Avon is relatively infrequent, as the climate changes and we experience extreme weather more often, it’s important for the town to be prepared. Who does what? The Environment Agency (EA) oversees flooding and coastal erosion, managing risks on main rivers and coasts, ensuring reservoir safety and collaborating with the Met Office for flood forecasts. The EA monitors rainfall and river levels and issues flood alerts and warnings. There are 3 types of flood warning issued by the EA: - flood alert – flooding is possible - flood warning – flooding is expected - severe flood warning – flooding could be a risk to life and significant disruption to communities More information on flooding can be found on the government’s website. Wiltshire Council is responsible for the highways in Wiltshire. This means they maintain most of the road network in and around Bradford on Avon. The major exception is the A36, which is looked after by Highways England. Wiltshire Council will publish a list of roads affected by flooding on its website. Wiltshire Council also has a helpful guide on what to do and what to avoid during and after flooding. Please note – the town council will signpost disruptions to the highways, rail and bus network when official sources make this information available to us. Bradford on Avon Town Council coordinates the Community Emergency Volunteers (CEVs). The CEVs are a group of volunteers from the local community who want to help during times of extreme weather, civil emergency or at large scale events in the town. We are always looking for new, enthusiastic volunteers. You can find out more about the group on our CEV page. Temporary flood barriers The temporary flood barriers were the property, and responsibility, of the Environment Agency. These barriers have not been deployed since 2021 due to national safety concerns. The town council has set aside £30,000 in an earmarked reserve as a contribution towards any flood defence scheme in partnership with the Environment Agency and Wiltshire Council. We are, at every available opportunity, discussing with the Environment Agency and Wiltshire Council the issue of flooding and potential prevention schemes and will update this page as and when we have updated information. Sandbags and gel sacks The town council has a limited number of sandbags and gel sacks which will be distributed on a ‘needs’ basis to properties at imminent risk of flooding. These will not be supplied in advance, based on forecasts, nor will they be supplied to defend gardens, sheds, outbuildings or other such structures. How you can prepare for flooding If flood alerts have been issued for the area, you can keep up to date by checking: Priority Services Register The Priority Services Register is a free support service to give people in vulnerable situations extra help. Energy suppliers will keep a Priority Services Register and if you think you should be added to their list, you will need to contact your supplier or network operator. If you have separate gas and electricity suppliers, you will need to contact both. The service can offer support in an emergency if you need your gas supply reconnected, advanced warning of planned power cuts and more. Water does not just flow into premises from the river. It can also seep up from the ground beneath as it becomes waterlogged. The drains are also likely to overflow and can cause flooding to properties not close to the river. It is a good idea to find out what happened in your area during the last flood so that you can be prepared. The emergency services prioritise who they help first in the event of a flood and it may not be you. It therefore makes sense that if your home or business premises is at risk of flooding, that you have your own plans in place to protect yourself, your property and your possessions. The EA has a personal flood plan guide that you can use to make sure you’re as prepared as possible. You can find some useful information about flood preparation and recovery on the following websites: Immediately before a building floods: - turn off and unplug all electrical devices - turn off electricity, water and gas supplies – make sure you know where these are as part of your personal flood plan - put photos and other personal documents above flood Level - lift curtains over rails above flood water levels - use any measures you have to stop water entering your property, such as door guards or air brick covers - backflow from the sewers can rise into baths and sinks – put in plugs and weigh them down – sandbag can be used in the toilet - move important items to safety - lift rugs and smaller furniture upstairs or on to tables or worktops if possible - get your flood kit together and prepare to move from the property - move any pets and vehicles away from flood areas if possible - make sure your mobile phone or devices are charged When a flood happens: - follow warnings, information and advice issued by authorities - do not put yourself or others at risk - if possible, avoid walking or driving through flood water – the water may conceal hidden dangers and will contain pollutants and should be treated as contaminated - let your family or friends know you are safe Periods of excessive heavy rain or flooding will likely impact public transport (trains and buses etc). Disruption to local rail journeys will be announced by Great Western Railway on their website. Local flooding will also likely affect buses services to and from Bradford on Avon, information on these disruptions will be available from: In the event of school closures due to extreme weather, it is likely that schools will contact those parents affected. If you are concerned you have missed any information, please check with your child’s school. - do not return to your home/business premises until it is safe to do so - remember that flood water may contain sewage and conceal hidden dangers - you may need gas or electricity engineers to check your supply before turning it back on - wear appropriate waterproof or protective clothing when cleaning up - contact your insurance company to start the claims process; contact your landlord if you rent your property - only throw away items damaged by flood water after your property and items have been checked by a loss adjuster - make sure you throw away items in an appropriate manner

https://bradfordonavontowncouncil.gov.uk/wet-weather-advice/

Medical insurance plans provide a co-cost choice that pre-defines the voluntary deductibles, which should be borne by the insured. So, within the occasion of a medical exigency, some amount is paid by the insured and the rest, by the supplier. According to this function, you can lower the price of your health insurance. Once the insured is hospitalized the sub-restrict on room lease coverage is applicable on a per day basis. This terminology is an acronym for Ayurveda, Unani, Siddha and Homeopathy; It refers to treatments or therapies that you can take other than the same old allopathic course of remedy. If you consider in the therapeutic powers of non allopathic remedy, we cowl your hospitalization expenses seamlessly under our health insurance plan. We usually come across terminologies while reading features & advantages offered by health insurance companies. Below are the ten mostly used jargons whereas explaning the protection & exclusion of a health insurance plan. Besides, room expenses are instantly related to the kind of hospital room you’re availing, i.e. a single room or on a sharing basis. To make sure that the health insurance plan meets your insurance wants, it is very important know the various kinds of health insurance coverage, to determine the proper policy. We at Policybazaar might help you buy a proper health insurance plan that suits your requirement beneath is the record of health insurance plans with the highest Insurers. You can do the comparability and discover the best health plan for your family. Find a global health insurance plan for wherever life takes you. Our health profit plans have exclusions and limitations and phrases beneath which the protection could also be continued in drive or discontinued. For prices and complete details of the protection, refer to the plan doc or call or write Humana, or your Humana insurance agent or dealer. In the event of any disagreement between this communication and the plan document, the plan document will control. The Marketplace helps individuals and businesses shop for quality insurance policy at reasonably priced charges. Low-earnings individuals who join insurance by way of the Marketplace might qualify for subsidies to help bring down prices.

https://healthworldnews.xyz/health-insurance-plans-policy-mediclaim-policy-online-in-india.html

The colossal insurance industry To learn which risks these firms believe pose the greatest threat to their operations, Allianz conducts surveys of thousands of organizations from more than 20 industries, located in over 90 countries and territories. According to the most recent Risk Barometer study from Allianz, these are the top 10 risks that organizations worldwide are now experiencing. - Cyber events, including data breaches, IT failures or outages, and cyberattacks, as well as the ensuing fines and penalties. - Business disruption, such as a broken supply chain. - Natural disasters, such as storms, flooding, earthquakes, wildfires, and other weather-related events. - The COVID-19 outbreak, which includes difficulties with the labor, health, and mobility. - Modifications to laws and regulations, such as trade disputes and tariffs, economic sanctions, protectionism, Brexit, and the breakup of the Eurozone. - Climate change, such as the operational, financial, reputational, and physical hazards brought on by global warming. - An explosion and fire. Macroeconomic trends include monetary policies, austerity measures, commodity price hikes, deflation, and inflation. Reporting highlight Insurance for business interruption This form of coverage has become more prominent as a result of the COVID-19 pandemic, which has also been a source of disagreement between insurers and policyholders. Business interruption insurance, often known as BI cover, is essentially created to shield companies from financial loss and supplemental expenses if they are forced to shut down their operations due to an unforeseen circumstance. However, insurance firms contend that the loss should be attributable to “material damage caused to property.” How does insurance against business interruption operate? Businesses are financially protected by business interruption insurance from losses incurred as a result of an insured event’s disruption of their activities. While the company is temporarily shut down, it covers the operating expenses. These expenses consist of: Potential revenue; mortgage or rent on commercial property; repayments on business loans; employee wages; and taxes. Some insurance plans additionally cover extra costs connected to the closure, like those connected with setting up a temporary location or training workers on new equipment. Bi coverage is frequently bundled with other coverage that small and medium-sized businesses need, like as general liability, commercial property, and workers’ compensation cover, in a business owner’s policy. Most business interruption insurance policies include a 48- to 72-hour waiting period before they take effect. The policy’s restoration period, which has an initial duration of 30 days but may be increased to a maximum of a year, serves as a reminder of this. What are the main reasons that businesses are interrupted? Fire and explosion were the primary causes of business disruption globally, accounting for 30%, or $6.7 million in BI losses, according to a five-year examination of insurance claim data by top insurer AGCS. Storms (21%), water damage (12%), equipment failure (5%), and flooding (4%), in that order, were next. 52% of those surveyed stated they were most afraid of cybercrime, which was brought on by the recent wave of ransomware attacks, followed by natural disasters (36%), pandemic outbreaks (35%), and delays in shipping and transportation (30%). Does business interruption insurance cover damages resulting from COVID-19? It has been a point of contention between insurance firms and the businesses impacted by the outbreak over whether business interruption coverage should cover losses brought on by the coronavirus pandemic. Because of the scope of their effects, the insurance industry has held that pandemics cannot be covered. The pandemics are an unprecedented tragedy that have the potential to affect almost every economy in the globe. Because they affect every business at once, pandemic-caused losses are not covered by ordinary business interruption policies. However, this has not stopped businesses seeking compensation from presenting their cases in court. More than 2,300 cases regarding business income coverage have been documented by the University of Pennsylvania Carey Law School’s COVID-19 coverage litigation tracker, with the majority of complaints coming from businesses in the food services industry. The UK Supreme Court rejected insurance companies’ appeals in a test case that the Financial Conduct Authority (FCA) initiated on behalf of policyholders at the beginning of last year. The insurers contended that a large number of BI plans did not provide coverage for substantial disruption brought on by the limitations put in place by the government in 2020 to stop the spread of the coronavirus. The Supreme Court unanimously rejected the appeals after carefully examining non-damage insurance policy clauses that cover disease, denial-of-access to corporate premises, and hybrid clauses. This decision will have a significant impact on the insurance sector globally. What factors should businesses take into account when purchasing business insurance? Before purchasing business insurance, organizations need to take into account a number of variables. These factors include: The Company’s organizational structure; the industry in which it operates; the kinds of risks it encounters; the size or number of people; the presence of business facilities or vehicles; and the stock, equipment, and tools it owns. Businesses would benefit from speaking with a seasoned insurance agent or broker who can provide them with wise counsel regarding which coverage is ideal for their operations.

https://helpmeinsured.com/what-are-the-main-risks-that-firms-face/

Our Products and Services Currently Include: Workers' Compensation Insurance We don’t do one size fits all. At Highview, we firmly believe that workers’ compensation insurance is not one-size-fits-all. We work with every client individually and team up to design coverage and risk management to fit your company’s specific needs. The least expensive claim is the prevented claim. Our approach focuses on controlling losses and preventing costs from spiraling out of control, which can often happen. We do that by implementing a proactive risk management program from the front end and expertly managing safety and claims from the back end, for a true end to end approach. The Risk Management Cycle We work to prevent claims from happening, by partnering with you or your risk management team to promote a culture of safety, minimize risk exposure, and ultimately lower your premiums. Should an accident happen, we do everything from a claims management perspective to keep costs as low as possible. We do that by tailoring a plan of action specific to each claim. Every claim is unique and requires a customized approach to achieve the best results. We conduct a thorough root cause analysis to identify all causes each incident and recommend actions for remediation to prevent recurrence. As our client, you will thank us for improving your workplace safety and reducing your insurance costs. We will pride ourselves on enhancing your insurance experience.

https://highviewnational.com/services/

A record set up and used throughout the vendor lifecycle in which an organization identifies all the risks involved in outsourcing a specific service/activity. Each risk is graded in terms of likelihood of occurrence, seriousness of impact, initial plans for mitigating each known high level risk, potential costs and assignment of responsibilities of the prescribed mitigation strategies and subsequent results. The register usually includes: a unique identifier for each risk; a description of each risk and how it will affect the project; an assessment of the likelihood it will occur and the possible seriousness/impact if it does occur (low, medium, high); a grading of each risk according to a risk assessment table; who is responsible for managing the risk; an outline of proposed mitigation actions (preventative and contingency); and in larger projects, costings for each mitigation strategy. This Register should be maintained throughout the vendor lifecycle and will change regularly as existing risks are re-graded in the light of the effectiveness of the mitigation strategy, and new risks are identified. Retrieved and adapted from Developing a Risk Management Plan Fact Sheet. V1.4. State of Tasmania. (2018). http://www.egovernment.tas.gov.au/__data/assets/pdf_file/0020/78122/Developing_a_Risk_Management_Plan_Fact_Sheet.pdf

https://sharedassessments.org/glossary/risk-register/

Many people avoid buying life insurance because they think it is expensive. Life insurance policies can be expensive, but there are several ways to make them more affordable. The following tips will help you handle your monthly premiums while ensuring that you have a quality life insurance policy. - Limit Alcohol and Tobacco Use Eliminate alcohol and tobacco from your day-to-day routine. Reducing your exposure to alcohol and tobacco will reduce your risk of accidents or health conditions that can have a devastating effect on your quality of life. Thus, opting for occasional use will ultimately lower your premiums. - Embrace Healthier Lifestyle Habits Embracing a healthier lifestyle is also important. Exercising regularly and eating a more nutritious diet will reduce your risk of many of the most dangerous chronic health conditions that affect Americans today. Living a healthier lifestyle will also improve your quality of life. - Buy Your Policy While You Are Young The younger you are when you buy your policy, the less you will pay for premiums. You may also be able to purchase your policy without having to undergo a physical examination to prove that you are in good health. - Choose a Term Life Insurance Policy Term policies are much cheaper because once they reach maturity, they can be cashed out or left intact so your family can use them at a later date. Term life policies have a set payout and a specific number of years/months to reach maturity. - Eliminate Risky Behaviors If you want to keep your life insurance premiums as low as possible, eliminate any risky behaviors that you may have. Reducing your overall risk will reduce your monthly premiums as well. There are many ways to keep your monthly premiums as low as possible. Contact the agents at Steve Wilk Insurance Agency, Inc. to find out more about lowering your monthly premiums. You can also visit our new office at 310 S Main Street, Suite C, Lombard, IL 60148.

https://wilkinsuranceagency.com/5-tips-to-lower-your-life-insurance-premiums/

In Michigan, an estimated 20% of the people drive without car insurance. However, this percentage may be higher during the covid-19 pandemic because more people may not be able to afford auto insurance coverage on their vehicles. That’s why you need to protect your family from these uninsured car accidents. Uninsured motorist (UM) coverage can help protect you and your family so that you are able to recover after a car accident without losing a lot of money. You need to understand that to drive on Michigan roads you need auto insurance, but 20% of the people break the law. Michigan law does not require uninsured motorist coverage. You must elect uninsured motorist coverage. We recommend that all drivers must buy at least the following minimum auto insurance coverages for their vehicles: Despite the requirement for insuring motor vehicles in Michigan, you should not rely solely on the other driver’s bodily injury liability limits. Let me explain. God forbid, if you’re ever hurt in a serious car wreck. You are transported from the accident scene by ambulance to a local Emergency Room, where the ER physicians order x-rays and CT Scans to determine the nature and extent of your injuries. Once you’re discharged from the hospital, you require additional medical care from such healthcare professionals as a neurosurgeon, orthopedic, a chiropractor, pain management, physical therapy, cognitive therapy, and so on. That $50,000 in minimum BI limits or $50,000 in PIP coverage will be gone on your medical bills alone, very likely leaving some bills unpaid. But what about your non-economic damages, i.e., pain & suffering, interference with quality of life, work or career disability, loss of enjoyment of life, etc? What if there is no insurance coverage for the at fault driver. And that’s where your uninsured motorist (UM) insurance will pay for your damages. Michigan auto insurance companies offer uninsured motorist coverage for a very reasonable price, well worth paying for. Here another uninsured motorist scenario: What if you are injured by hit and run driver? Who is going to pay for your pain and suffering, if you don’t know who the hit and run driver was? What if you don’t even have any information to identify the hit and run vehicle? What this means is your uninsured motorist (UM) coverage will kick in to pay what the hit and run driver caused in damages up to your UM policy limits. Do you get the picture? Unfortunately, people who buy auto insurance sometimes don’t understand the importance of uninsured motorist coverage in Michigan. If you read this blog article you will understand why it’s critically important to have uninsured motorist coverage in Michigan. You need to protect yourself and loved ones from someone else’s lack of insurance, so just buy it. If you’ve been involved in a car wreck, and you’re getting the run around from your insurance company adjuster about your uninsured motorist (UM) coverage claim, call 866-HIRE-JOE to set up your free consultation with one of our experienced car accident lawyers. Just Google “Joseph Dedvukaj” or “car accident attorney near me” or “injury attorney near me”. We can come to you or have a confidential ZOOM meeting. We can handle your car and truck collisions in any part of Michigan, ranging from fatalities to catastrophic injuries, with and without UM coverage, throughout Michigan. The sooner you contact us after your collision the sooner we can help you receive the proper medical treatment, and your claim is handled in the manner to achieve the best results for you. Give us a call at 866-HIRE-JOE or click to schedule a free consultation with one of our experienced personal injury attorneys now.

https://www.1866hirejoe.com/blog/protect-your-family-during-uncertain-times-why-you-must-have-uninsured-motorist-coverage/

CTE has recently activated Arabic version of the website dedicated exclusively for the firefighting platforms range B-Fire: a rescue and fire fighting range with working height from 22 to 62 m that has evolved steadily over the years to achieve high standards of product, with 6 models of aerial fire fighting platforms (B-Fire) and 6 models of water tower (B-Tower). CTE, ready to study special solutions for special needs and to provide after-sales support, has enlarged the language offer for this new window on web to spread this range worldwide to the sector’s users, expecially for Arabic people. The website has high impact pictures ideal to show the great functions of the B-Fire range: water pump, stretcher, winch, rescue ladder, special stabilisation system (restricted, variable), relevant outreach. The graphic mood has been specially designed in full respect of the meaning of the colors, the arrangement of the various elements and aesthetic characteristics relate to the Arab world. For more information: ARABIC VERSION: www.firefightingplatforms.ae ENGLISH VERSION: www.firefightingplatforms.com CHINESE VERSION: www.firefightingplatforms.cn SPANISH VERSION: www.firefightingplatforms.com/es

https://www.ctelift.com/en/2013/10/02/cte-b-fire-website-speaks-also-arabic/

Cyber Security Next Gen! As the world gets more and more connected, the cybersecurity market evolves at an unprecedented pace. Both criminals and hostile services as well as cyber security companies and governments develop new technology, tactics and procedures in a continuous arms race. Leading experts will share their knowledge, cases, trends and latest developments with the participants. This session is especially organised for students, young professionals and other (potential) cyber security talents.The Next Gen event kicks off with two inspiring keynotes that explore the impact of (un)sufficient cyber security on society, democracy, economy, etc. and that share latest technology insights. Next is an interactive debate where leading cybersecurity experts and talents discuss the relevant trends and threats in cyber security, discussing new technologies, human behaviour and governance/organisational impact. During the case rounds you will get the chance to meet professionals from the cyber security working field and experience their challenges. The event ends with network drinks at the expo. - Jordi Scharloo, malware intelligence specialist - Alex Shopski, Founder Cyber Peacekeeping Forces 14:10-14:50 Interactive panel of experts - Lodewijk van Zwieten, public prosecutor cyber security - Douwe Mik, associate partner cyber security EY - Nander Hokwerda, CTO HackersHub 15:15-16:00 Cybersecurity case round 1 Challenging mini workshops with experts from the cyber security field by RedSocks Security, Thales, EY, Compumatica, Strict, iGem TU Delft, HackersHub, Justice in Practice and others 16:05-16:50 Cybersecurity case round 2 16:50-17:00 Learnings and closing 17:00-18:00 Network drinks

https://www.cybersecurityweek.nl/2018/programme/are-you-the-next-cyber-security-talent

Umbrella liability insurance to extend your coverage Layer umbrella coverage with your Integrity home or auto insurance policy to get the right coverage where you need it. When you need umbrella liability insurance Home and auto insurance are often the first things you think of when assessing your insurance needs. However, umbrella liability insurance can provide extra protection for risks beyond what’s included with a traditional home or auto policy. People who are exposed to more risks should consider umbrella coverage. Some examples of such risks are: Dog owners Those who commute or drive during rush hour Rental property owners Children’s sport coaches Trampoline or pool owners People who engage in hobbies that could injure others (e.g., skiing or hunting) What is covered under umbrella liability insurance? Extra liability coverage What is it? Protection against claims that may not be covered by the coverage limits of your home or auto policies. When you may need it: You are responsible for a multiple vehicle accident and the costs exceed the limits on your auto insurance policy. Personal liability coverage What is it? Also known as libel or defamation insurance, this protects you against claims of slander, false arrest, libel and character defamation. When you may need it: You post to social media about an argument with your neighbor. Your neighbor sees the post and sues you for character defamation. Legal expense insurance What is it? This covers payment of legal fees and claims costs (such as medical payments) that may not be covered by your home or auto policy. When you may need it: You are found liable for injuries caused by a covered loss. The claims costs or cost to hire an attorney exceeds your home or auto policy limits. Adding umbrella coverage to your policy To add umbrella insurance, your insurance policies must meet certain coverage requirements. Work with your independent agent to review your needs when completing your umbrella insurance application.* Comprehensive coverage for peace of mind Don’t let “what if” scenarios weigh on you. Talk to your independent agent about adding umbrella coverage to your home or auto insurance policy. Find an agency *Minimum coverage limits for Auto Bodily Injury ($250,000/500,000) and Property Damage ($100,000) and Home Comprehensive Personal Liability ($300,000) are required to apply for Personal Umbrella. Some primary policies may need to meet additional minimum coverage requirements not listed.Coverages described herein may not be available in all states. Please contact a local independent Integrity agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. For the coverage to apply, a claim must be made and reported during the policy period. Scenarios above are not actual claims. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Integrity Insurance policies are underwritten by Integrity Insurance Company, an affiliate of Grange Insurance Company, and Integrity’s subsidiaries. Integrity companies not licensed in Pennsylvania.

https://www.integrityinsurance.com/insurance/umbrella-liability-insurance

THUNDER BAY – No new fires were discovered by mid-afternoon on June 18. At the time of this update there were ten active fires in the region – one of which was not under control, one was being held, four were under control and four were being observed. Sioux Lookout 8 near Pickle Lake Sioux Lookout 8 near Pickle Lake is now under control at 824 hectares. Red Lake 14 near Pikangikum and Red Lake 17 Red 14 near Pikangikum is now under control at 3,835 hectares. Crews continue to search for hot spots identified through infrared scans. Red 17 northeast of Trout Lake is now being held at 6,507 hectares. Crews continue to re-enforce existing hose lines and extinguish hot spots identified by infrared scanning. Fire hazard for the Northwest Region The forest fire hazard ranges from moderate to high throughout most of the Northwest Region, with some areas north of Red Lake showing an extreme hazard. Unsettled weather conditions in the Fort Frances District, and the south end of the Kenora and Dryden Districts will bring the hazard down to low. Help prevent forest fires Adopt safe campfire practices! Choose the site of your campfire carefully and keep your fire small. Stay nearby: never leave it unattended. Put your fire out by drowning it with water. Be sure that it is extinguished prior to leaving the site. Stir the ashes with a stick to uncover hot coals and then drown it again. You can never be too safe. Consider alternatives to burning brush or yard waste, such as chipping or composting when possible, or saving burn piles for the fall or after the fire season. Use of outdoor fires must follow the outdoor burning rules set out in the Forest Fire Prevention Act of Ontario. Fires are to be started no sooner than two hours before sunset and extinguished no later than two hours after sunrise. Fires should never be left unattended and tools and water should be close at hand to put the fire out. More details on outdoor burning regulations can be found online at Ontario.ca/forestfire To see a complete list of fires across the province click on our interactive map. You can also get the latest update on the condition of any fire by clicking the fire icon. Fire numbers and online information: - Forest Fire Reporting Number – 310-FIRE (3473) - Follow us on Twitter: @OnForestFire

https://www.netnewsledger.com/2019/06/18/forest-fire-situation-update-northwest-region-june-18-2019/

The hours, even days following a car accident can be full of confusing procedures. However, it’s important to follow the terms of your insurance carefully to protect the health of your car accident claim. If you have Allstate insurance, you should follow these steps: Call the Insurance Company Right Away After a car accident, you’ll take a few key steps such as making sure everyone is okay, calling emergency services, and receiving medical care. After you finish taking care of everyone’s medical needs, it’s time to call your insurance company. When you call Allstate to file a claim, your agent will ask you to supply key information and documents related to your accident. You need to have the following information handy: - Your policy number - Driver’s license number - License plate and title information - Brief description of what happened Know What Your Insurance Covers Insurance law can be complicated, but it’s essential to have a working knowledge of how your coverage works. The following elements may affect your car insurance claim and the way you obtain reimbursement for your accident. - The amount of your deductible. When you signed up for your auto insurance policy, you followed certain rules regarding your deductibles for coverage, such as comprehensive and collision. Know how much your deductible is, as this is the amount you will have to pay out of your own pocket before your insurance will begin to kick in. For example, if you incurred $1,500 in property damage and have a $500 deductible for collision, your insurance will ultimately pay $1,000 toward your repairs. - Do you have optional coverages? Depending on the terms of your insurance policy, you may also have convenient coverage such as rental reimbursement services. This service provides a rental car while your vehicle is in the shop, so you can get from place to place, but read the terms carefully. In some cases, you may need to rent from a certain facility or stick within your coverage limits (for example, $40 a day). Ask About Time Limits When calling your insurance company, know what time limits apply. If you fail to provide documentation within the specified timeframe, your insurance company could deny coverage on a claim. Read the terms of your policy carefully and take notes during your conversation with an agent, so you know exactly what to expect following an accident. Track Your Claim Allstate gives you the option of filing a claim by phone or online. Once you complete the process, you will receive a claim number. You can use it to track the progress of your claim, as well as to identify any missing documentation that the insurance company might require. Know How to Talk to Claims Adjusters Once you file a claim, an adjuster will likely investigate the accident and evaluate the damages. These interactions could affect the amount of your settlement. Though it’s important to provide documentation to the insurance company to aid the claims process, offering too much information – or too little – could affect your payout. For example, a claims adjuster might request a medical release to ascertain the extent of your injuries following an accident. Wait until the full extent of your injuries manifests before signing any medical releases. This will better illustrate the damages you incurred. When filing a claim following a serious or injury-causing accident, having the guidance of a Bakersfield car accident attorney can be helpful. He or she can help you file a claim, guide you through interactions with claims adjusters, and help ensure that Allstate insurance compensates you for the full extent of your injuries and property damage.

https://www.rodriguezlaw.net/file-car-insurance-claim-with-allstate/

Classic car owners can purchase classic car insurance that’s tailored to their unique needs. White Oak Insurance LLC provides classic car insurance in Milford, CT. Here are three things that you shouldn’t overlook when you buy classic car insurance: The value of your classic car It’s best to insure your classic car for its full value. That’s why you may want to have your vehicle evaluated when you purchase insurance. Once you know what the value of your vehicle is, you should take out an agreed-value classic car policy. This type of policy will compensate you for your vehicle’s total value if it is destroyed in an accident. How much you use your classic car Discuss how much you use your classic car with your insurance company before you buy a policy. Classic car insurance providers typically price premiums according to how frequently motorists use their vehicles. Many consumers who own classic cars don’t drive their classic cars that often. If you let your insurance provider know that you only use your classic car a few times a year, you’ll save on premiums. The amount of liability coverage your classic car insurance policy includes You could end up in an accident in your classic car. In this case, you might be held liable for the resulting damages. That’s why you need to make sure that you’re carrying enough liability coverage on your classic car insurance policy to keep you financially protected. Looking For Coverage For Your Classic Car? Classic car owners in Milford, CT can rely on us at White Oak Insurance LLC for the insurance coverage they need. If you want to get a quote on a classic car insurance policy, call us or contact us online.

https://www.whiteoak-insurance.com/blog/2023/06/

As an independent insurance intermediary we search our wide panel of expert insurers to ensure that you get a great value deal on your car insurance together with a fantastic policy while providing a friendly, personal and local service. We offer Comprehensive including windscreen cover, Third Party Fire & Theft and Third Party only, along with cover in the Republic or Ireland, driving other cars, Protected No Claims Bonus, GAP Insurance and many other extensions. We also provide a number of additional covers so you can enhance your policy by creating a product that suits your need such as: - Legal Expenses - Roadside Recovery (cover in UK & ROI as standard) - Keycare Cover - Excess Protect - Pay your insurance monthly Young drivers can benefit from our excellent rates enabling them to get on the road at a competitive price with fantastic benefits giving parents and drivers peace of mind. We provide cover for: - Learner drivers on parent’s or friends car - Named Young driver Insurance with no risk to the Parents No Claims Bonus - New Driver Insurance - Student Driver Insurance providing short term cover to drive a friend’s or family member’s car Avoid the pitfalls of online insurance companies and comparison sites by speaking to our experienced staff today on 02838 525006

https://absoluteprotectionni.com/our-services/personal-insurance/car-insurance

As the insurance industry continues to grow, companies are looking for ways to expand and reach a wider audience. One way that insurance companies can do this is by signing an IRDA corporate agency agreement. This agreement allows an insurance company to partner with a corporate entity and offer its insurance products to the employees of the corporation. In this article, we’ll explore the benefits of an IRDA corporate agency agreement and what it means for insurance companies and their corporate partners. What is an IRDA Corporate Agency Agreement? The Insurance Regulatory and Development Authority (IRDA) is the regulatory body that oversees the insurance industry in India. An IRDA corporate agency agreement is a partnership between an insurance company and a corporate entity that allows the insurance company to offer its insurance products to the employees of the corporation. The corporate entity acts as an intermediary between the insurance company and its employees, offering insurance products to its employees as part of its employee benefits package. Benefits for Insurance Companies For insurance companies, an IRDA corporate agency agreement is a way to expand their reach and increase their customer base. By partnering with a corporate entity, insurance companies can offer their products to a large group of people who may not have otherwise been aware of their offerings. This can lead to an increase in sales and revenue for the insurance company. Additionally, insurance companies can benefit from the marketing and branding opportunities that come with partnering with a corporate entity. By aligning themselves with a well-known corporation, they can increase their brand recognition and reputation in the market. Benefits for Corporate Entities For corporate entities, offering insurance products as part of their employee benefits package can be a valuable tool for attracting and retaining employees. By offering a comprehensive benefits package that includes insurance, they can stand out from their competitors and create a more attractive work environment. Partnering with an insurance company through an IRDA corporate agency agreement can also help corporate entities reduce their administrative burden when it comes to managing their employee benefits. The insurance company handles the underwriting, policy issuance, and claims management, which can save the corporate entity time and resources. An IRDA corporate agency agreement is a win-win for insurance companies and corporate entities. Insurance companies can expand their reach and increase their revenue, while corporate entities can offer a comprehensive benefits package that includes insurance. By partnering with each other, they can create a more attractive offering for employees and improve their respective positions in the market. As the insurance industry continues to grow, IRDA corporate agency agreements are likely to become even more common.

https://drcarlosneumann.com.br/irda-corporate-agency-agreement/

The organization requires all staff to act honestly and with integrity to safeguard the organization’s resources and ensure that the resources are properly used for the purposes intended. Fraud and corruption are ever-present threats to an organization that can undermine the organization’s credibility, therefore, must be a concern to all staff members. To ensure that LI-BIRD continues to demonstrate its highest standards of accountability, transparency and legal compliance, it is imperative that clear guidance is provided for addressing the risks of fraud and corruption. This policy statement sets out the specific responsibilities of LI-BIRD employees with regard to the risks of fraud, irregularity, bribery and corruption. This statement demonstrates the commitment of LI-BIRD’s Governing Body – the Executive Board - and Senior Management to promoting a culture of integrity and transparency across LI-BIRD’s mission. LI-BIRD defines ‘Fraud’ as ‘the intentional distortion of financial statements or other records by person/s in the organization, which is carried out to conceal the misappropriation of assets for gain’; ‘Bribery’ is defined as ‘the offer, promise, giving, demanding or acceptance of an advantage in monetary or other forms of reward for the improper performance of a function or activity; and ‘Corruption’ means ‘the misuse of power for gain’. Although this policy explicitly refers to fraud, financial mismanagement, bribery and corruption, it also applies to any forms of malpractice that reduce confidence in LI-BIRD and its business services. This policy statement applies to all LI-BIRD employees (full or part-time), interns, advisors, volunteers and members, including Founder and Executive Board members, and to any irregularity or suspected irregularity involving employees as well as consultants, vendors, contractors or any other parties that have a business relationship with LI-BIRD. This policy statement should be read in conjunction with LI-BIRD’s other policies, regulations and procedures, especially: (i) LI-BIRD Whistleblower Policy 2018; (ii) LI-BIRD Safeguarding Policy 2019; (iii) LI-BIRD Governance Manual 2018; (iv) LI-BIRD Financial Administration and Regulations 2006 (Revised in 2018); and (v) LI-BIRD Anti-Money Laundering and Combatting Financing Terrorism Policy 2022. LI-BIRD is committed to preventing fraud and corruption and developing an anti-fraud culture. To achieve this, LI-BIRD will: - Build the capacity of staff, partners and other stakeholders through adequate orientation on anti-fraud policy and procedures; - Review and strengthen its systems and procedures and maintain adequate and effective controls to prevent fraud; - Ensure that if fraud occurs a vigorous and prompt investigation takes place; - Take appropriate disciplinary and legal action in all cases, where justified; and - Record and report all discovered cases of fraud. LI-BIRD takes a zero-tolerance approach to any incidents of fraud, irregularity, bribery and corruption. The following principles will apply in LI-BIRD: - LI-BIRD staff must have the highest standards of honesty and integrity in the exercise of their duties; - LI-BIRD will not tolerate fraud and will investigate all instances of suspected fraud by LI-BIRD staff and its partners/sub-grantees or any other parties with a business relationship with LI-BIRD; - LI-BIRD will take action, including dismissal and/or criminal prosecution, against any member of staff, partners or other parties (with a business relationship with LI-BIRD) defrauding or attempting to defraud; and - LI-BIRD will seek to recover funds lost through fraud. LI-BIRD recognizes that the primary responsibility for the prevention and detection of fraud rests with LI-BIRD Senior Management, while the Executive Board will be accountable for ensuring the adequacy and effectiveness of the internal control system designed to counter fraud, and for the rigorous investigation of any such cases. It is essential that all LI-BIRD staff report any irregularities or suspected irregularities to the LI-BIRD Compliance Manager/Internal Auditor via their Team Leader/Line Manager as they are the first line of defense against fraudulent activity. The Compliance Manager will report the case to the Executive Board via the Senior Management Committee, and will be responsible for initiating the initial investigation. LI-BIRD will provide reasonable protection for those who raise genuine concerns in good faith, in accordance with LI-BIRD’s Safeguarding and Whistleblower policies. The Head of Administration and Finance will be responsible for developing and maintaining adequate and effective controls against fraud, while the Human Resource Manager will enforce LI-BIRD’s anti-fraud policies. In conjunction with the Human Resource Manager, the Compliance Manager will develop an action plan to monitor and track possible fraud cases and draw lessons during the program implementation. This policy statement will be reviewed annually by LI-BIRD’s Executive Board and Senior Management Committee to ensure its suitability. Where necessary it will be amended, reissued and communicated to all LI-BIRD employees, partners and people/organizations working on LI-BIRD’s behalf. Date: 20 September 2018 Go to >>

https://libird.org/about-us/statement-of-zero-tolerance-for-fraud/

Insurance and Claims Management The metallurgical industry faces various risks and uncertainties that can have financial implications for businesses. Accidents, equipment failures, natural disasters, and other unforeseen events can result in significant financial losses, impacting the operations and profitability of metallurgical companies. Without proper insurance coverage and effective claims management, businesses may struggle to recover from these losses and face potential disruptions in their operations. At Scale Up, we offer comprehensive insurance and claims management services tailored to the specific needs of the metallurgical industry. Our expert team works closely with businesses to assess their insurance requirements, identify potential risks, and develop customized insurance solutions that provide adequate coverage. We collaborate with reputable insurance providers to ensure that businesses receive comprehensive coverage for property damage, equipment breakdowns, business interruption, liability, and other relevant risks. Our team conducts a thorough analysis of the business operations, evaluates potential risks, and works with insurance providers to design insurance policies that align with the specific needs and risk profile of each business. In the event of an incident or loss, our dedicated claims management team provides proactive assistance and support throughout the claims process. We work closely with businesses to document and submit claims, liaise with insurance companies, and advocate for fair and timely settlements. Our experienced team has in-depth knowledge of insurance policies and claim procedures, ensuring that businesses receive the maximum possible compensation for their losses. Furthermore, we provide ongoing insurance review and risk management services to help businesses stay updated with their insurance coverage. We regularly assess the evolving risks and changes in business operations to ensure that insurance policies remain relevant and adequate. Our team works closely with businesses to identify any gaps in coverage and recommend adjustments or additional coverage to mitigate potential risks. By leveraging our insurance and claims management services, metallurgical businesses can protect their assets, mitigate financial risks, and ensure business continuity. Our comprehensive approach ensures that businesses have the appropriate insurance coverage in place and are well-equipped to navigate through unforeseen events and recover from losses efficiently. Insurance and claims management are critical components of risk mitigation and financial protection for metallurgical businesses. At Scale Up, we understand the unique challenges and requirements of the industry and provide tailored solutions to safeguard the interests and operations of our clients.

https://scaleupstory.com/insurance-and-claims-management-2/

Are you in the market for Nationwide Event Insurance? If so, you have come to the right place. You can get coverage from Travelers, ESP Specialty, RVNA, WedSafe, and more. But what exactly do these companies provide? Here are four key benefits of purchasing Nationwide event insurance. The best part about it? If something unexpected happens you can get professional counseling. It is also worth mentioning that some of these companies require you to be a resident of the United States. If you’re planning a wedding in the United States, you should consider WedSafe Nationwide Event Insurance. It is one of the best insurance programs for marriage in the United States. It has earned this distinction over the years. The insurance company provides excellent service and quality coverage. Wedding liability insurance covers costs if your event is canceled due to unforeseen circumstances. This coverage protects you if you or the vendor fails or fails to provide their services. It also covers expenses if your wedding is postponed due to bad weather. It is unlikely that the bride and groom will voluntarily cancel the marriage, and therefore compensation will not be received. Contingent liability insurance is perfect to protect you against any liability issues. Sells basic car insurance for travelers across the country. These policies usually cover liability, comprehensive, and collision insurance. Depending on what you need, you can also add personal injury protection, uninsured motorist, and umbrella coverage. If you have more than one vehicle. So you can get a policy with both types of coverage. If you have multiple vehicles. So you can get a multi-policy discount. Both companies offer student-driver insurance and identity theft protection. Whether you’re planning a wedding in the US or one of its territories, Travelers offers coverage for weddings. Travelers offer wedding insurance for as little as $160 for up to $250,000 in coverage for your wedding. Many coverage options also cover photography and lost deposits. If your wedding is a corporate event, Travelers does not cover it. You may need to check with another company for that, but we recommend the Traveller’s Wedding Protector plan. When it looks like ESP Specialty Insurance is the company for you. The fact is that there are many similar companies to choose from. While you may have a competitor or two, this firm stands out for its ability to customize coverage. With a nationwide accident insurance policy, you will be protected against situations beyond your control. You can choose from one-day event liability insurance to comprehensive special event liability insurance. The right type of coverage can help you offset your significant risks. While event liability insurance also keeps costs down. RVNA provides national event insurance for thousands of events a year. Depending on the size and scope of your event, you can either get a quote online or purchase a policy to protect your business. An event insurance policy can cover everything from the actual event to the rehearsal dinner and the wedding day. The company also offers policies for venue setup and teardown. If you have an event that lasts more than one day, you can purchase different policies to protect your business. RVNA offers event insurance nationwide and has been in business for over 25 years. Its insurance products are customized for different types of events and people hired for them. RVNA insurance policies are secured by Allianz, a global insurance company with more than 85 million customers and 170,000 employees. Half of the Fortune 500 companies are insured by Allianz. RVNA also offers insurance for sporting events. The company’s website is easy to navigate and the policy process is quick. Philadelphia Insurance Companies If your small business or nonprofit holds an athletic event. Then Philadelphia insurance companies may be right for you. When it comes to insurance for athletic events. can pose many challenges. Philadelphia insurance companies can provide coverage for a variety of events and classes, including sports and theater. They may also provide higher limits for liability and property damage. It can be up to $3 million for the entire event. Depending on your state, premiums can start at $175 per occurrence. For the best coverage, choose Philadelphia insurance companies. The company provides coverage in 120 exclusive business markets with agents across the country. Nationwide offers event insurance. They also provide risk management services. They have limited options for personal insurance. Contains instructions for reporting confusing claims. You can also go for a different insurance company if you wish. Be sure to consider the cost of switching to another one. K&K Insurance is a leading managing general underwriter in the United States. Their specialty programs cover over 70 events and programs from aquatic facilities to zoos. They also cover professional and amateur sports, gyms, dance studios, and sports fields. If you are hosting a sporting event. Hence K&K offers insurance programs for all types of incidents. You can also get insurance policies for recreational facilities like sports and campgrounds. In addition to offering a variety of specialty event insurance policies, K&K Insurance is an authorized member of the Better Business Bureau. The company is highly reliable with an A+ rating. On the BBB website, there have been only five complaints against K&K in the past three years. Two of these were related to the products themselves and the other two related to their services. Yelp, meanwhile, has nine reviews about the company. Only two of them give the company five stars. Some of these reviews are very positive.

https://vegansav.com/nationwide-event-insurance/

Undisclosed Driver Rate Manipulation Case Example Undisclosed driver fraud – where new auto policy customers seek lower rates by not disclosing risky drivers during the rating process – has long been one of the largest fraud problems in auto. But carriers have had very few cost effective tools to attack the problem. The result is that often quite obvious cases of hidden drivers are tolerated by carriers. Until a top US insurer implemented our idFusion real time point of sale underwriting fraud prevention platform. First they used idFusion to fuse quote, claim and policy data into a highly available real time data repository and then with our idAnalyze query tool, they identified historical sequences of quotes where risky drivers were first included and then subsequently excluded from policies. They calculated this premium “leakage” to be at least several percent of net premiums written. Armed with this new insight, the carrier implemented VeracityID’s idQuoteMonitor software tool which uses sophisticated entity resolution and graph network technologies to identify sequences of quotes coming from the same household even if the names on the quotes are different. This, when combined with other business rules, gave the carrier a clear, real time picture of which quote requests likely contained hidden drivers. Then using VeracityID’s highly configurable intervention communication tool – idResolve, they automatically intervened during the quote process, identifying the missing drivers by name and giving the customer a choice of either adding them to the policy or formally excluding them from coverage. The carrier found that using this real time intervention approach resulted in hidden drivers being disclosed or in the customer abandoning the quote. From the carrier’s perspective either of these two results were desirable because they had already determined that elimination of this manipulation would lead to a significant reduction in premium leakage. The carrier also found that using the idFusion platform and VeracityID’s pre-built rate manipulation solution made the process of scoping, designing and implementing this and other forms of premium leakage prevention much quicker and more successful than had they not had VeracityID tools to leverage their efforts.

https://veracityid.com/undisclosed-driver-rate-manipulation-case-example/

As we commence a New Year, the availability and cost of Professional Indemnity (PI) insurance remains a key concern for many practices. It is likely that many will have experienced the consequence of market contraction throughout 2020 and unfortunately, with insurance capacity continuing to decline, 2021 is unlikely to offer any respite. It is therefore more important than ever to understand what is driving insurers’ current thinking and what firms can do to protect their position. Understanding the insurance market cycle Like many other financial institutions, insurers are bound by capital solvency requirements. This means that they need to maintain a certain ratio of assets to liabilities to ensure they can meet their obligation to pay claims. The amount of business an insurer can write is dependent upon the amount of capital they hold in reserve. When the supply of capital reduces, insurers will take on less business and when it is readily available, they will be able to write more. That fluctuation in the availability of capital is a key driver of the insurance market cycle, and in turn, the availability and cost of insurance. Reports suggest that there has been an ‘over supply’ of capital in recent years. This, coupled with ever increasing commercial pressures, has contributed to a relaxation of underwriting discipline. In other words, the level of competition within the PI sector has led to behaviours such as the under-pricing of risk, taking on too much exposure and making insufficient allowance for claims. As the effects of that manifest, the return on investment reduces and capital begins to withdraw from the market; many insurers are not able to take on the same volume of business and some (as we are now seeing) may withdraw from certain market segments (e.g. professions or types of work) or entire classes of insurance. As a result, problems can arise with the availability and cost of insurance and the breadth of cover provided. Particular PI insurance challenges for Consultants in the Built Environment As a specialist class of insurance with long-tail liabilities, PI insurance has traditionally been more susceptible to significant changes than the wider insurance market. Allied to that, is the perceived evolution in risk profile of the construction / built environment sector. Although the PI market looked very different in early 2017, the cracks were already beginning to show. Even at that point, there was an acknowledged growing risk versus reward imbalance, with construction professionals being asked to do more, for less, under increasingly onerous contracts. Unaware or unconcerned with the implications, certain insurers continued to focus on growth in (or retention of) market share rather than long-term viability. Those behaviours were impacting the market, and it was only a matter of time before the effects of that would take hold and capital would begin to exit. Even before anyone had heard of COVID-19, it seemed inevitable that conditions within the PI insurance market were set to change. The impact of the combination of events over the last few years: the failure of major contractors; the tragedy of Grenfell and subsequent questions concerning the quality of our buildings; the regulation of construction and the resultant potential legacy risk for insurers. The availability of insurance capacity will be one of the biggest challenges as we move through the year ahead. It is inevitable that the market will continue to contract and with that we are likely to see a much harder line taken by those Insurers that continue to offer capital within the PI sector for those professions active in the built environment. Insureds should be prepared for: Further premium increases: By how much is very difficult to say, as this will be heavily dependent upon how low your insurers have been prepared to cede to market pressures in the past. Those insurers that have focused purely on market share at any price will be the ones that are in the greatest need of corrective action to their book of business. Some insurers simply felt that correction was commercially impossible and have exited the market altogether Those that remain can be a lot more selective about which risks they will take on. In some cases, insurers may not offer renewal terms to those exposed to higher risk areas of work or to those practices with poor claims performance. Higher excess levels: Those practices that are currently paying an excess of less than 1% of their fee income should expect to see higher excesses being imposed. For some areas of high-risk work, insurers may insist that the excess is also applied to defence costs. Narrowing of coverage: Any one claim coverage has long been a feature of the UK PI market, although AGS members will be aware that any one claim coverage was removed some 20 years ago in relation to pollution and asbestos, with most insurers restricting coverage to aggregate limits only. In the current marketplace, aggregation of all elements of coverage is being introduced as a way to deal with exposure to other high-risk areas of work. Unfortunately, for the geotechnical sector they are generally viewed as working in the part of the project cycle with the most severe risks and therefore when a hard market sets in, they are often amongst the first to be hit with the most severe coverage restrictions. What can Insureds do to protect their position? There is no doubt that the year ahead will be a challenging one commercially. Whilst it is not possible to control what is happening within the Insurance market, there are some steps that insureds can take to help navigate the difficult road ahead. Early engagement with your broker is vital to ensure you have time to deal with issues that may arise throughout the renewal process. In 2021, time will be a required asset not a luxury. If your insurer has chosen to withdraw from the geotechnical sector or is only prepared to offer aggregated coverage, the earlier you know about this the more time you have to explore alternative solutions. Even small practices should engage with their broker at least 2 months in advance to ensure there is sufficient time to navigate problems that could well arise. Much larger practices should be engaging 6-months ahead of renewal date. Insurers are requesting far more information than ever before – be prepared to answer additional questions about your Business, particularly around activities of work that will be deemed by the insurers as ‘higher-risk’. AGS members are more likely to be exposed to higher-risk activities by the very nature of the work they undertake (contaminated land, asbestos, basements, tunnels, railways to name but a few). With the implementation of lockdown and most practices working from home, businesses have had to rapidly adapt their working practices. Insurers will want to understand how risk management procedures continue to be implemented in this changed environment. How do you go about the Q+A process, who signs off on work undertaken by more junior staff etc.? Many insurers now have a question set around COVID-19 and how the business is dealing with the new challenges this presents. Insurers will want to understand your contractual risk management procedures: do you use them; are you successful in managing liability by way of financial caps and exclusions? do you use industry standard documents? For those who have been unfortunate enough to be involved in a claim, prepare to be under more scrutiny. A post claim review may be required by insurers but even where it isn’t, drawing up a ‘lessons learned’ document can be a highly effective way to show that you have actively taken steps to avoid running into the same issues. Work closely with your broker to help to identify particular risks that your business presents to the market and construct a narrative around why those risks have been identified, and how they have been understood and mitigated. Do not underestimate the value of a well conceived and constructed narrative or indeed a general overview of the way in which your business operates. If you can tell a good story about how you run your business, you need to make sure that your insurer hears it from a source that they respect. At the end of the day, PI costs are going up. The more that you understand insurers’ concerns and, more importantly, how effectively your submission addresses those concerns, the better. Griffiths & Armour Professional Risks are specialist professional indemnity brokers and risk managers. We advise a number of professional bodies across the construction industry, including ACE, and our specialist Scheme includes many AGS members. Griffiths & Armour are not immune to changes within the PI market but our long-term approach to sustainable placement and trusted status in the insurance community mean that we remain capable of securing ‘Any One Claim’ cover notwithstanding the general market move to ‘Aggregate’ limits in your sector. If you have concerns regarding your existing PI arrangements, we would be more than happy to discuss these with you. Don’t wait until renewal is upon you, do get in touch early and let’s make sure we have sufficient time to help you achieve the best possible outcome. Griffiths & Armour Professional Risks 0151 600 2071 Griffiths & Armour is authorised and regulated by the Financial Conduct Authority

https://www.ags.org.uk/2021/01/professional-indemnity-insurance-update/

A Medicare Advantage is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage Plan, you'll still have Medicare but you'll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D). Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D. In most cases, you’ll need to use doctors who are in the plan’s network. Plans may have lower out-of-pocket costs than Original Medicare. Plans may offer some extra benefits that Original Medicare doesn’t cover—like vision, hearing, and dental services. Term insurance provides protection for a specified period of time. This period could be as short as one year or provide coverage for a specific number of years such as 5, 10, 20 years or to a specified age such as 80 or in some cases up to the oldest age in the life insurance mortality tables. Policies are sold with various premium guarantees. The longer the guarantee, the higher the initial premium. If you die during the term period, the company will pay the face amount of the policy to your beneficiary. If you live beyond the term period you had selected, no benefit is payable. As a rule, term policies offer a death benefit with no savings element or cash value. Premiums are locked in for the specified period of time under the policy terms. The premiums you pay for term insurance are lower at the earlier ages as compared with the premiums you pay for permanent insurance, but term rates rise as you grow older. Term plans may be "convertible" to a permanent plan of insurance. The coverage can be "level" providing the same benefit until the policy expires or you can have "decreasing" coverage during the term period with the premiums remaining the same. If you do not pay the premium for your term insurance policy, it will generally lapse without cash value, as compared to a permanent type of policy that has a cash value component. Currently term insurance rates are very competitive and among the lowest historically experienced. It should be noted that it is a widely held belief that term insurance is the least expensive pure life insurance coverage available. One needs to review the policy terms carefully to decide which term life options are suitable to meet your particular circumstances. Permanent Insurance (Whole Life or Ordinary Life) While term insurance is designed to provide protection for a specified time period, permanent insurance is designed to provide coverage for your entire lifetime. To keep the premium rate level, the premium at the younger ages exceeds the actual cost of protection. This extra premium builds a reserve (cash value) which helps pay for the policy in later years as the cost of protection rises above the premium. Whole life policies stretch the cost of insurance over a longer period of time in order to level out the otherwise increasing cost of insurance. Under some policies, premiums are required to be paid for a set number of years. Under other policies, premiums are paid throughout the policyholder's lifetime. The insurance company invests the excess premium dollars The universal life policy is actually more than interest sensitive as it is designed to reflect the insurer's current mortality and expense as well as interest earnings rather than historic rates. Universal life works by treating separately the three basic elements of the policy: premium, death benefit and cash value. The company credits your premiums to the cash value account. Periodically the company deducts from the cash value account its expenses and the cost of insurance protection, usually described as the mortality deduction charge. The balance of the cash value account accumulates at the interest credited. The company guarantees a minimum interest rate and a maximum mortality charge. Some universal life policies also specify a maximum basis for the expense charge. These guarantees are usually very conservative. Current assumptions are critical to interest sensitive products such as Universal Life. When interest rates are high, benefit projections (such as cash value) are also high. When interest rates are low, these projections are not as attractive. Universal life is also the most flexible of all the various kinds of policies. Because it treats the elements of the policy separately, universal life allows you to change or skip premium payments or change the death benefit more easily than with any other policy. The policy usually gives you an option to select one or two types of death benefits. Under one option your beneficiaries received only the face amount of the policy, under the other they receive both the face amount and the cash value account. If you want the maximum amount of death benefit now, the second option should be selected. You generally pay a planned premium designed to keep the policy in force for life, and accumulate cash value, based upon the interest and expense and mortality charges you assume. It is important that these assumptions be realistic because if they are not, you may have to pay more to keep the policy from decreasing or lapsing. On the other hand, if your experience is better then the assumptions, than you may be able in the future to skip a premium, to pay less, or to have the plan paid up at an early date. You do not have to pay the planned premium, but if you pay less, the benefit may be more like term insurance, which is only in force for a limited time and builds no cash value. On the other hand, if you pay more, and your assumptions are realistic, it is possible to pay up the policy at an early date. Whether you’re planning for retirement or retired, we all have our bucket list of things to pursue and accomplish in our next chapter of life. Whatever is on your list, most of it will involve spending some money. That’s why millions of Americans use annuities to protect and grow their retirement savings to help cover their basic monthly expenses – things like a mortgage or rent, utilities, groceries, or transportation – so they have the peace of mind and freedom to live the retirement they want. Final Expense / Burial Insurance When you apply for final expense insurance, you will not have to deal with a medical exam or let the insurance company access your medical records. However, you will have to answer some health questions. Because of the health questions, not everyone will qualify for a policy with coverage that begins on day one. As with any type of life insurance, the premiums for final expense insurance depend on your age and health; where allowed by state law, they may also depend on your gender. The older and less healthy you are, the higher your rates will be for a given amount of insurance. Men tend to pay higher rates than women because of their shorter average life expectancy. And, depending on the insurer, you may qualify for a lower rate if you do not use tobacco. Benefits of Final Expense Insurance Final expense insurance can relieve the worries of your family members because it provides them with money they may need to pay expenses related to your death. It can be a welcome choice for people who can't get any other insurance due to their age or health but want to ease some financial burdens for loved ones. It's affordable due to the lower coverage amount. This type of insurance policy builds a cash value over time, so you may borrow from it or use it as collateral during your lifetime. The premium amount never changes, which can be helpful for budgeting. Coverage is guaranteed. The policy cannot be canceled, even if your health deteriorates. The death benefit, while aimed at final expenses, can be used for whatever a beneficiary decides is best—a legacy nest egg, mortgage payments, credit card debt, and more. Under 65 Health Insurance / Affordable Care Act What is the ACA? The Patient Protection and Affordable Care Act (PPACA) – also known as the Affordable Care Act or ACA, and generally referred to as Obamacare – is the landmark health reform legislation passed by the 111th Congress and signed into law by President Barack Obama in March 2010. What provisions are included under the ACA legislation? The legislation includes a long list of health-related provisions that began taking effect in 2010. Key provisions are intended to extend coverage to millions of uninsured Americans, to implement measures that will lower health care costs and improve system efficiency, and to eliminate industry practices that include rescission and denial of coverage due to pre-existing conditions. How did the ACA focus on improving the quality of individual health insurance? implemented coverage standards that prevent insurers from discriminating against applicants – or charging them higher plan premiums – based on pre-existing conditions or gender; eliminated waiting periods that employer-sponsored plans would impose before starting coverage of pre-existing conditions; made health policies guaranteed issue – meaning health coverage is guaranteed to be issued to applicants regardless of their health status, age or income; mandated minimum-value standards for employer-sponsored plans offered by large employers; rescued ACA-compliant plan buyers from lifetime benefit limits and annual benefit limits; improved plan benefits by requiring ACA-compliant plans to include essential health benefits; required ACA-compliant plans to include a long list of free preventive health care services. Cancer Plans / Hospital Indemnity Plans Cancer insurance policies can cover a lot of costs. Depending on the policy you buy, cancer insurance can cover a wide range of both medical and non-medical costs. These are some of the expenses cancer insurance plans tend to cover: Hospital stays (especially lengthy ones). Visits to out-of-network specialists. Various tests, treatments and procedures. Travel and lodging when treatment is far away from home. Hospital Indemnity Plans Hospital indemnity insurance is an insurance plan you can purchase in addition to your health insurance plan. You pay a monthly premium, just as you do for other insurance, and if you end up spending time in the hospital, you receive a fixed benefit amount paid directly to you to help cover expenses. A hospital indemnity insurance payment could be used for anything, though people often use the benefits for deductibles, coinsurance, transportation, medications, rehabilitation or home care costs. You can also use the money to pay for some expenses incurred as you recover, such as groceries and childcare. Hospital indemnity insurance payouts are sent directly to you as the policyholder. That’s unlike health insurance, which contracts with providers and pays them directly. Medicare / Medicaid (Dual-Eligible) Juvenile insurance provides a minimum of protection and could provide coverage, which might not be available at a later date. Amounts provided under such coverage are generally limited based on the age of the child. The current limitations for minors under the age of 14.5 would be the greater of $50,000 or 50% of the amount of life insurance in force upon the life of the applicant. The limitations on a minor under the age of 4.5 would be the greater of $50,000 or 25% of the amount of life insurance in force upon the life of the applicant. Juvenile insurance may be sold with a payor benefit rider, which provides for waiving future premiums on the child's policy in the event of the death of the person who pays the premium. Accidental Death & Dismemberment (AD&D) Accidental death insurance, sometimes known as accidental death and dismemberment, is a type of insurance that pays a benefit if the insured dies in an accident or is severely injured such as with loss of use of body parts. This type of policy is generally less expensive than other types of life insurance, but it only pays if these events occur. Key differences between accidental death insurance and standard life insurance An accidental death policy pays a death benefit to your beneficiaries, but as the name suggests, only provides coverage in the event you die due to a covered accident. The dismemberment part comes in if you were to lose a limb(s) as a result of an accident. In this case, an AD&D policy generally will pay out a predetermined amount as specified in your policy.* Simply put, accidental death insurance is a very specific as to what it will and will not cover. With life insurance, you'll have coverage for incidences of death as outlined in your specific contract - accidents included.** *Some AD&D policies include coverage for a complete or partial loss of vision, hearing, and speech as a result of an accident. **Life insurance policies typically pay for most causes of death, exceptions will be specified in your contract. Policies will vary.

https://www.ciacciocrew.com/landing-page-continued

What is a Domestic Insurer? What is a Domestic Insurer? Adomestic insureris a type ofinsurance companythat is licensed to operate in a specific state or country. These companies are subject to the laws and regulations of the jurisdiction in which they are licensed. They can offer a range of insurance products, including life, health, property, and casualty insurance. Licensing and Regulation To become a domestic insurer, a company must obtain a license from the state insurance department or regulatory agency. This license requires the company to meet certain financial and operational standards, such as having sufficient capital and reserves to cover potential losses. The regulatory agency also monitors the company's financial performance and compliance with state laws and regulations. Domestic insurers can offer a wide range of insurance products, including: 1. Life insurance: This type of insurance provides financial protection to beneficiaries in the event of the policyholder's death. 2. Health insurance: Health insurance covers medical expenses for policyholders and their families. 3. Property insurance: Property insurance provides coverage for damage to homes, buildings, and other property. 4. Casualty insurance: Casualty insurance covers liability for injuries or damages caused by the policyholder. Choosing a Domestic Insurer When choosing a domestic insurer, it is important to consider the company's financial strength, customer service, and reputation. It is also important to review the company's products and coverage options to ensure that they meet your specific needs. Insurance is an important component of financial planning. It can provide financial protection in the event of unexpected events, such as illness, injury, or death. When planning your insurance coverage, it is important to consider your individual needs and financial situation. Insurance Case Study John is a 35-year-old father of two who recently purchased a new home. He wants to ensure that his family is protected in the event of his unexpected death or disability. After reviewing his options, John decides to purchase a termlife insurancepolicy with a death benefit of $500,000 and a long-term disability insurance policy that will provide a monthly income in the event that he is unable to work due to illness or injury. Domestic insurers are an important part of the insurance industry. They provide a range of insurance products and services to individuals and businesses. When choosing a domestic insurer, it is important to consider the company's financial strength, customer service, and reputation. By taking the time to review your insurance needs and options, you can ensure that you have the right coverage to protect yourself and your loved ones.

https://www.instrodepot.com/insurance/4400.html

About Kemper Life Kemper Life is improving the world of insurance by providing personalized, affordable, and easy-to-use solutions to low to moderate income individuals and families. The Kemper Life family of underwriting companies consists of United Insurance Company of America, The Reliable Life Insurance Company, Union National Life Insurance Company, Mutual Savings Life Insurance Company, and their affiliated fire companies and subsidiaries. With agents and products available in 27 states and expanding, Kemper Life is considered one of the top 50 life insurance companies in the United States with over 4.5 million policies in force. Kemper Life has a field force of over 2,600 employees across the U.S. in 25 states and the District of Columbia, with its headquarters team of more than 300 associates in St. Louis, Missouri. Kemper Life is committed to our customers, employees and communities, and is proud to be a leader in the life insurance industry. Our commitment to providing the most flexible products and services, with dedicated agent service and support provided at our customers’ homes, is what sets Kemper Life apart from other insurance companies. Kemper is improving the world of insurance by providing you and your family personalized solutions and quality products at an affordable cost. Kemper Life offers a portfolio of insurance products to meet your needs, including term and whole life, accident, and health protections, and fire and contents insurance.

https://www.kemper.com/about-kemper/quick-facts/life

NDIRF to Continue to Administer North Dakota State Fire and Tornado Fund Bismarck, N.D. – The North Dakota Insurance Reserve Fund (NDIRF) is proud to announce its contract to administer the North Dakota State Fire and Tornado Fund (NDFT) has been extended. The contract extension agreement with the North Dakota Insurance Department (NDID) was reached June 30, 2023, and the extension period is from July 1, 2023, to July 1, 2025. The NDIRF was first awarded the contract to administer the NDFT on June 28, 2019. “The Fire and Tornado Fund protects the investments made across the state and the role it plays in our state cannot be underestimated,” said Insurance Commissioner Jon Godfread. “The consumers of this fund rely on the protections that are offered. Ensuring its stability and availability for consumers is our priority.” The NDFT provides property coverage to North Dakota state agencies and political subdivisions, including coverage for their buildings, contents, and outdoor property. “We are grateful for the opportunity to continue to serve North Dakota local governments and state agencies through our administration of the NDFT,” NDIRF CEO Brennan Quintus said. “We value our partnership with the Insurance Department and their faith in our experienced and knowledgeable staff to ensure that the NDFT continues to be a strong, stable source of the important property coverage it provides.” The NDIRF is a not-for-profit self-insurance pool that was created in 1986 by North Dakota local governments. The self-insurance pooling model was a rising solution for many government entities in the late 1980s due to rapid increases in local government coverage costs and an overall decline in coverage availability. “The NDIRF was created in response to an insurance crisis for local governments, and our members [North Dakota political subdivisions] did what North Dakotans do. They turned to each other and created their own solution,” Quintus shared. “For 37 years, their solution, the NDIRF, has been a strong and stable source of risk services, providing liability, automobile, and equipment coverages, claims handling, and risk management training and resources specific to the needs of North Dakota local governments.” After assuming administration in 2019 of the NDFT, the NDIRF established a three-year plan to enhance NDFT operations and coverages. The NDIRF’s most notable achievements are introducing four additional coverage options, allowing the NDFT’s members to further customize their coverage, and increasing the NDFT’s Total Insured Value (TIV) by over $5 billion. Additional Coverage Options The additional coverage options include wind/hail per building deductible removal, increase sewer backup limit to $25,000, additional per building debris removal limits, and blanket limit of coverage. Refer to corresponding coverage form for further information, including coverage terms and conditions. Total Insured Value (TIV) In the past three years, the NDIRF has been busy collecting updated property valuations for property (building, personal, outdoor, trailer, etc.) covered under the NDFT. The result has led to a $5 billion increase in the NDFT’s TIV. The increase in TIV required significant time investments from the NDFT’s members, local agents, and NDIRF employees. The increase helps to strengthen the NDFT’s position within the reinsurance market. Due to catastrophic weather events that have occurred nationwide over the past couple of years, reinsurance, which is insurance for insurance, has exponentially risen in price. One of the ways the NDIRF has helped the NDFT acquire adequate reinsurance coverage at an affordable price per current market conditions is by demonstrating responsible fund management, for which increased TIV is a strong indicator.

https://www.ndirf.com/2023/07/06/ndirf-to-continue-to-administer-north-dakota-state-fire-and-tornado-fund/

MONDAY, JANUARY 29, 2024 Car insurance is often a required aspect of driving. In fact, most states have laws regarding how much insurance you need to have to legally operate a vehicle. Georgia is no exception; drivers must have at least the state-minimum levels of auto liability insurance. What Is Auto Liability Insurance? A typical car insurance policy is comprised of several parts. Some parts of your policy cover damage to your own vehicle, while other parts cover damage you cause to others. Auto liability insurance is designed to cover damage to others. Specifically, liability coverage may cover both third-party property damage and injuries. Georgia, like other states, requires at least a certain level of liability coverage (i.e., how much your policy may pay for damages you cause). For bodily injury, the minimum limit is $25,000 per person and $50,000 per incident. For property damage, the minimum is $25,000 per incident. Note, these limits can change, so it’s important to confirm amounts with your insurance agent. While not required, many people choose to increase these minimum limits on their policies. Often, car accidents can exceed state-minimum levels, necessitating greater coverage. More to the point, if you cause more damage than your policy’s liability limits, you would be responsible for personally covering the remainder. What Other Coverage Should I Consider? Similar to increasing your liability limits, it’s often wise to consider additional insurance beyond state-mandated liability coverage. Remember, liability insurance financially covers damage to others, not damage to your own vehicle or person. With that in mind, discuss potential coverage options with your insurance agent, including: - Comprehensive coverage - Collision coverage - Uninsured/underinsured motorist coverage - Medical payments coverage Your agent can help you understand these and other options, and how they may benefit your unique circumstances. Where Can I Find Affordable Car Insurance? Peachstate Insurance is here to help with any and all your car insurance questions. Offering service in Atlanta and across the state, we have the expertise to find you the right quote at the right price. Contact us today to get started. This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. Post a Comment Required (Not Displayed) All comments are moderated and stripped of HTML. NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.

https://www.peachstateinsurance.net/blog/what-is-the-recommended-auto-insurance-coverage-in-georgia.aspx

When it comes to building e-commerce websites Magento framework seems to be the best option for business owners as it comes with extra functionality which increases the customer experience. This open-source e-commerce platform comes with many free and premium tools. These can be used effectively to manage the online presence of the online store with ease. Create a Robust E-commerce Website Using the Magento Framework : - Debugging and Development Tools - Magento Migration and Version Checking Tools - Magento 2 Extension for User Experience - Magento Catalog Management Tools - Magento Order and Shipping Management Tools Debugging and Development Tools: • Commerce Bug 3 is the upgrade of Pulse Storm’s Magento debugging extension and it has been rewritten. It has dependency-injection/object-manager lookup features. It provides legacy support for Magento 1.x. • Magento Debug can be used by Magento website development in India to toggle the Magento modules. It can also be used for displaying RAM, clearing cache etc. • EcomDev PHPUnit and Easy Template Path Hints are also some of the tools that are used on a wide scale. Magento Migration and Version Checking Tools: • Version Check for Magento can be used to check the version of Magento that has been used for a web page. It will let the e-commerce web developers determine if the version that you are using is outdated. Up to Date? is one more tool that lets you check the version. • Moving Tool 2.0 and CMS and Configuration Migrator are the 2 popular tools that are used in data migration. • If you are looking for a tool to get back up of your data then make use of the Cloud Backup tool Magento 2 Extension for User Experience: • AJAX Cart Pro for Magento 2 is the tool that is used in Magento eCommerce web development for the purpose of streamlining the add to cart function. • For the management of quotes that one sends to the customers the tool Cart to Quote for Magento 2 can be used. • Bambora APAC online payment for Magento 2 must be used to get payment methods fast and in a safe way. There are no security issues and the billing data is not stored on the Magento server. It is only stored on the Bambora server. Magento Catalog Management Tools: • Bulk Image Uploader is used to provide the right images to the different products on the Magento website. • Age verification tool is to confirm the birth details of the customer • Image Optimizer is used for compressing images and for making them more compatible. • Social Media Product Update is used to send updates about new products on social media platforms Magento Order and Shipping Management Tools: • Maximum Order Amount is a tool that is used to prevent customers who are placing the order on credit to place orders of an extremely large value. • Order tags is a tool that can be used by Top Ecommerce Developers in India for tagging of tools. • Backorder status is used for back ordered items and for stock allocation • Multi-Warehouse Management is very useful to calculate the value of the stocks that have been stored at different locations, assigning products to warehouses, warehouse management etc. The list of tools is a long one. There are tools for debugging, payment gateway, warehouse management and every other aspect of the Magento e-commerce platform. The developers have to choose the tools prudently if they want to create the best eCommerce platform using the Magento framework. - Best Magento Web Design Companies - ecommerce website design magento - Hire Magento developer in India

https://blog.alakmalak.com/create-a-robust-e-commerce-website-using-the-magento-framework/

Fire One First Response Portable Fire Extinguisher uses a solid extinguishing agent which is safe for carrying and provides 10 seconds emission to stop any type of fire. Widely used for Riot Police globally there is no comparative product. Fire One First Response Portable Fire Extinguisher is small yet powerful. It's designed to hold in one hand and is super easy to use. Pull the safety pin, aim at the fire and press the start button. Features of Fire One First Response Portable Fire Extinguisher USED ON MOST TYPES OF FIRES Suitable for most common types of fires you would find in your car, boat, 4WD and small domestic applications such as cooking fires EASY TO USE Everyone can use the simple push button start. Holding and operating an extinguisher is now easier than ever SMALL IN DESIGN, LIGHT IN WEIGHT In the boat, car, caravan & 4wd saving space & weight is a massive advantage of Fire One extinguishers LEAVES NO RESIDUE. NO MESS TO CLEAN UP Save time and frustration. There's no powder storm or residue to clean up and no damage caused to wiring down the track NO MAINTENANCE REQUIRED Product requires no maintenance and has a shelf life of five years after the date of manufacture NON TOXIC GREEN AGENT Breathe easy. The EPA approved green agent is safe for humans, animals and the environment

https://tacticalgear.com.au/products/fire-one-first-response-portable-fire-extinguisher

Claims magazine, PropertyCasualty360.com and RMS recently participated in a Twitter chat (#PC360ClaimsTech) discussing the effect of technology on the insurance claims process. Insurance executives from multiple companies shared their insights on what’s working and how it affects claims and communication with policyholders. “Companies are looking to reduce costs by allowing customers to self-serve and use digital tools to inspect property without having to send out an adjuster,” shared Kristin Marr, president of Valen Analytics. In addition, “many of the leading companies are leveraging digitalization to improve processes, quality and outcomes,” according to Chris Tidball, vice president of sales and claims transformation strategy for EXL Group. Some insurers are concerned that implementing new technology could preclude human involvement with the claims process, leading to less satisfied customers. However, as Rebecca Morgan, senior director of product management for Mitchell’s Workers’ Compensation Solutions pointed out, “If we look at Amazon as an example, we have very little human interaction with Amazon employees, yet Amazon customers continue to be incredibly loyal because of the excellent overall customer experience. The same is true for insurance.” Technology & disasters A series of devastating hurricanes last fall allowed insurers to see first-hand the impact InsurTech can have on the claims process. “Technology is making the interactions more accurate, timely and faster,” said John Sarich, vice president of strategy for VUE Software. RMS COO John O’Connell agreed, tweeting, “Claims processors with event response capability undoubtedly reacted fast to claims based on their real-time analytics.” Neeraj Sibal, assistant vice president of EXL Analytics, recognizes the value InsurTech brings to the claims process and how it exceeded conventional boundaries as mobile apps allowed for the easy transmission of information. “A photo share, a video chat with an adjuster or reporting through chatbots are changing the customer experience. Early adopters of these technologies are leveraging reduced cycle times and creating happier and more satisfied customers.” “In addition to creating a more seamless, hassle-free process, InsurTech can also help members become smarter about risk and prevent future losses,” added Derek Zahn, vice president of claims for the western division of PURE Insurance. InsurTech is also changing the first notice of loss for policyholders and insurers. “Historically, FNOL has been very manual,” tweeted Jonathan Silverman, director, worldwide insurance at Microsoft. “It makes sense to target it as an area for improvement. Today, we can automate the identification of an accident (for example) using manufacturer’s data and the alerts when there is an impact or an airbag deployment.” Technology is also changing the interaction between insurers and policyholders. “The use of InsurTech is key to reducing the friction points that occur at every level, including with providers,” shared Don Lipsy, managed care specialty products manager with Sedgwick. Farhana Alarakhiya, vice president of RMS concurred, tweeting, “There are many ways – delivery of analytics to the point of impact so smarter decisions can be made that are of benefit to both the customer and insurer.” The experts agreed that InsurTech is a positive addition to the insurance claims process for carriers and policyholders. PC360 will continue the conversation at #PC360ClaimsTech. Author: Patricia L. Harman

https://wrmllc.com/assessing-technologys-impact-on-insurance-claims/

BCT Digital wins Rising Star Award from Chartis Research - rt360 “BCT Digital’s (Bahwan CyberTek) broad coverage of risk-management technologies and industry sectors is reflected in its Rising Star award this year,” – Sid Dash, Research Director at Chartis. Chennai, 10 December 2020: BCT Digital, Bahwan CyberTek, with its risk management product suite rt360, recently won a ‘Rising Star Award’. The rt360 product suite aims to drive digital transformation for banks and financial institutions by addressing the risk management space, that includes credit risk, capital allocation, pricing risk, liquidity risk, model risk and operational risk. This award was conferred upon by Chartis Research, in its recently published RiskTech100 2021 report. Now in its 15th year, the Chartis RiskTech100 report conducts the most comprehensive study of leading global companies in risk and compliance technology. Click here to read the latest iteration of Chartis Research’s market-leading RiskTech100® report 2021 About BCT Digital BCT Digital is an award-winning global digital transformation company delivering disruptive Fintech, RegTech, and Cleantech solutions to large organisations across diverse industry verticals. The company empowers industries to predict, manage and mitigate risks and make effective risk-resilient decisions leveraging next-gen technologies and sophisticated AI/ML models, data-driven algorithms, and predictive analytics. Ranked among the top 100 global companies by Chartis Research, BCT Digital helps banks, financial institutions, large enterprises, and public organisations optimize core processes and niche digital services, to maximize growth and profitability. BCT Digital is a group company of CMMI L5-certified Bahwan CyberTek (BCT) Group, a global provider of digital transformation solutions in the areas of predictive analytics, digital experience, digital supply chain management and financial risk management in 20+ countries across the Middle East, North America, Far East, Africa, and Asia. The Group drives innovation through outcome-based business models and powerful IP solutions, delivering digital solutions to BFSI, Oil & Gas, Telecom, Power, Government, Retail and SCM / Logistics verticals. BCT Digital a digital transformation company focuses on delivering FinTech, RegTech, and SustainTech solutions to international banking and financial markets, and key industry sectors, on a global scale. The core of BCT Digital’s offerings lies in the ability to identify gaps and building solutions that are both specifically suited to India and yet scalable to the global markets. BCT Digital, a niche player in the RegTech arena, adopts emerging technologies to enable financial institutions to mitigate risks, ensure liquidity and improve customer engagement. For more information, visit https://www.bctdigital.ai

https://www.bctdigital.ai/press-release/bct-digital-wins-rising-star-award-from-chartis-research-rt360/

With STATIM® GI, insurers can access real-time data and analytics that can be used to improve underwriting, claims management, and risk assessment. Our platform is designed to offer complete transparency and accuracy in data reporting, ensuring that insurers can make informed decisions quickly and efficiently. Here are the Assistances provided by mSTATIM Our mSTATIM for General Insurance Mobile application helps insurers modernize and transform for the future. It is a state-of-the-art mobility solution that enables users to self-service their policies, update contact information, view policy status, make payments, report new claims, and much more. Facilitate sales management team in head office to get an idea of the daily work of branch sales representatives, the number of new customers being met, recording of meetings with prospective customers, and ascertain the type of lead. Extension of Quote and Policy generation for both B2B & B2C An intuitive way to do an electronic pre-inspection process to ease the underwriting decision-making process. Provides insight into premium calculation even before the generation of product quote/proposal. Substantiate the risk metrics mentioned in the proposal by uploading the applicable document. Exclusive module for advocates to view their litigation cases and update the hearing details on the go. Integrated module to assist surveyors to view assigned cases and record the survey details digitally. This module helps to know the renewal pending cases and convert such pending renewal proposals directly. Our mobile solution can be integrated on plug and play basis with multiple payment gateway solutions. An easy search to find out the nearest insurer branch. STATIM GI Novac’s general insurance solution offers insurers a range of benefits and features that can help them to improve efficiency, offer comprehensive coverage, make more informed decisions, and provide a better customer experience. Fill out the form, our team will get back to you quickly

https://www.novactech.com/general-insurance-software-solutions

Buy a term plan and secure your family Term Insurance is the simplest and most affordable type of life insurance meant to safeguard your family’s future in case of any untoward happening. Most term insurances in the UAE offer valuable benefits and features to help your family deal with a financial crisis if the breadwinner of the family passes away. Term insurance plans in the UAE are available at affordable rates and provide a wide range of maturity or survival benefits. With just a little bit of money set aside every month, you can easily secure your family’s future. The primary objective of buying a term insurance plan in the UAE is to make sure that the concerned family must get adequate income in case of an untimely death of the provider. Let’s take a look at why you must opt for term insurance plan in the UAE along with its benefits and features. Term insurance is the simplest form of life insurance that offers decent coverage in exchange of affordable premiums. With term insurance, the lump-sum payout is provided to the nominee if the insured member passes away within the policy term. This amount can thus be used by the bereaved family to continue their expenses on essentials, tuition fee, for paying out EMIs, etc. If you’ve been planning to buy term insurance plan then you can get your hands on one for as low as AED 7 per month. In the UAE, term insurance plans also provide extended coverage with simple add-ons like critical illness, terminal illness, disability, etc., for enhanced coverage. The basic term insurance plan offers high cover for affordable premiums. In case of the policyholder’s unfortunate death, the nominee gets the lump sum payout depending upon the amount you choose at the time of purchasing a policy. In Level Term Insurance Plans, the premium remains the same throughout the plan. These plans offer a premium guarantee with an excellent set of benefits. Here are the categories of Level term Insurance plans. In this type of term insurance plan, the premium amount changes after a fixed time. In the initial years, the Annual Renewable Term Insurance Plans are mostly cheaper than Level Term Insurance Plans. However, they can turn out to be expensive when taken for a longer duration. Group Term Insurance Plans in the UAE offer multiple insurance benefits for a group of all the members. These types of term insurance plans are best for companies that plan to provide insurance to their employees. Term insurance plans offer a lower premium amount in comparison to other insurance plans in the UAE. The term insurance prices are even affordable for people with common budget restrictions. The best part about term insurance plans is that they offer a fixed premium amount. Therefore, it helps buyers to stay prepared for paying the installments throughout the insurance plan. Term insurance in UAE is easy to understand and comes with no complications. In addition, these insurance plans provide the guaranteed cover throughout the term of the insurance plan. Most insurance companies in the UAE allow buyers to add riders to their term insurance at the time of purchase. These riders include permanent total disability, critical illness benefit, family income benefit, accidental death benefit, and many others. Term Insurance plans in the UAE help people deal with their long-term financial goals. And in addition, it helps them deal with their liabilities like supporting their dependents or aging parents, children’s higher education, protecting business continuity, etc. Term Insurance in the UAE makes policyholders capable enough to deal with their financial challenges. It helps them raise their funds and fulfill their upcoming financial needs. Moreover, term insurance Plans help your family even when you are not around. Here is a list of the best term insurance plans in UAE. MetLife is one of the biggest insurance providers in the UAE. Live Life Term Insurance Plan of MetLife offers a wide range of benefits and customizable riders to help meet the expectations of policyholders. The Live Life term insurance plan is best for people looking for comprehensive term insurance. The term insurance provides live life plans with Single, Regular, and Limited premium payment options. The plan also provides different riders to be added to the term insurance. One of these best riders in the term insurance plan is called Forever Plan. With this plan, the policyholders get a medical discount card and a free second medical opinion. It also provides the policyholders with a lifetime monthly income if they go permanently partial or fully disabled due to some sickness or an accident. The minimum guaranteed period for this offer is of 20 years. International Protector Middle East (IPME) is an award-winning term insurance plan offered by Friends Provident International. It provides three insurance cover options for the policyholders. The term insurance plan provides the policyholders with a free second medical opinion service. The insurance premiums for these plans are affordable. The insurance plan offers a Limited and Regular premium payment method. Lifeguard is an excellent term insurance plan for UAE residents of age between one to eighty years. In addition, the insurance plan allows policyholders to choose different decreasing term options. The best part about this plan is it doesn’t differentiate the insurance premium amount for smokers and non-smokers. Here is the list of riders in the Lifeguard term insurance. The term insurance plan offers Regular and Single Payment methods. Hemaya Plus is a functional Family Takaful Term Plan provided by Salama. The maximum age of expiry for Salama term insurance plan is a hundred years. Here are the benefits that the term insurance plan offers. The term insurance plan is best for residents looking for a Sharia-compliant protection plan. It is a nice practice to compare various term insurance in the UAE before you buy one to secure your family’s future. Go through the features and benefits provided by different insurers and shortlist a few term insurance plans to help find the best fit for your needs and budget.

https://www.policybazaar.ae/best-term-insurance-plans-in-uae-trmart/

Van Rollover Accident Rollover Wreck Photos | More Van Accidents Find Auto Accident Lawyers: Click Here I came across this Van Rollover accident on Georgia Interstate 85. The driver was thrown from the van and died at the scene. He is under the sheet in the left of the photo. The van rolled over several times. The cause of the rollover is unknown but these vans are unstable. Submitted August 10, 2003 Comments from viewers: Comments you would like to Post about this or any story/pictures? Mention the story/pic you would like to comment on and Send to: Send Us your Crash Story and Photo Please submit your photo and/or accident story. You may cut and paste your story into an email. We will not include your last name or personal information. 1. Please use either a jpg or gif format. Tell us your story please include a description, date of the accident and the accident location. 2. You agree to our conditions. 3. Send to Thank you! Return to Car Accident Pictures Main Page Find Car Accident Lawyers | Car Accident Statistics | Car Accident Pictures | Legal Rights and Info | Submit Your Case >> Truck Accident Attorneys Head and Brain Injury | Accident Reconstruction | Seat Belts save lives | Rules of Conduct at the Accident Scene Uninsured drivers | Car Accident Cases | Whiplash Return to Car Accidents Home Page All contents copyright Car-Accidents.com All content contained within this site including but not limited to stories, images, and text is copyright © 2004

http://car-accidents.com/pages/accident_story/8-10-03.html

Any Shipment. Any Carrier. Get Freight Insurance Direct from the Source! We are a licensed insurance provider since 2008! 15 years of Experience DOT INS Inc is the #1 CHOSEN Provider for Freight and Trucking Insurance for over 15 years. We are known to be the LEADING PROVIDER of freight insurance and have been the expert in placing direct freight insurance at the BEST prices in the market. Trucking Insurance Quote Multiple Trucks (2-100) Multi-policy Discount Quote Discounts and Hookups GET A BROAD POLICY AT COMPETITIVE FREIGHT/TRUCKING INSURANCE RATES Save on Cost! 50%-95% Direct Rates! Bad Driver Record? Give us a call Save up to 20% extra by adding your personal lines Wholesale Rates from Top Insurers Highest Rated Insurers Insuring $10B Dollars a Year 24 Hour Claims Updates Looking for Shipping Insurance? Freight Insurance? Rider Insurance or Cargo Insurance? Domestic or International, by truck, ocean, or air WE CAN HELP YOU! Offering the most competitive rates and the friendliest customer service for over 3 decades we are proud to offer our customers security through the world’s largest insurance carriers rated A++. We are here to assist call us NOW 732-832-7217

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Written Information Security Policy Effective administrative, technical and physical safeguards for the protection of personally identifiable information (PII) of customers, clients and employee. This policy defines the steps required to revoke both physical and system access to The Company’s facilities and network resources. Security Incident Procedures The purpose of the policy is to develop the response to and reporting of security incidents, including the identification of and response to suspected or known security incidents. This policy governs employee Sanctions and disciplinary actions for The Company. All employees must comply with this policy. Network Security Policy The purpose of the policy is to describe the physical safeguards applicable for each server, desktop computer system and wireless computer systems. Access Control Policy The purpose of the policy is to assure that systems containing PII and/or sensitive company data are accessed only by those persons or software programs. Computer Use Policy The purpose of this policy is to ensure that employees understand what functions should and should not be performed on The Company’s computers and network to maximize the security of PII and sensitive company data. All media containing PII and sensitive company data, will be disposed of in a manner that destroys the data and does not allow unauthorized access to the data. Bring Your Own Device Policy The purpose of the policy is to develop the appropriate safeguards to protect PII and sensitive company data on employee personally owned devices. Facility Security Plan The purpose of the policy is to define the procedures that will limit physical access to PII and sensitive company data and the facility or facilities in which such systems are housed.

https://connectservice.com.au/free-downloads/

Liza Pulitzer-Voges Literary Agent – This article about Literary Agent Liza Pulitzer-Voges and the Eden Street Literary Agency is part of a series about literary agents and how to Find a Publishing Agent. Publishing Agent Liza Pulitzer-Voges is an agent with the Eden Street Literary Agency. DO NOT QUERY THIS AGENT AT THIS TIME: Liza is not currently accepting unsolicited submissions. Book Agent Liza Pulitzer-Voges has been a literary agent for childrens’ book authors and illustrators for almost 30 years, working with over 40 clients. Highlights of the years include Lois Ehlert’s Caldecott Honor for COLOR ZOO; Gloria Whelan’s National Book Award for HOMELESS BIRD; and Sucie Stevenson’s E.B. White award for HENRY AND MUDGE AND THE GREAT GRANDPAS. The growth of authors such as Dan Gutman, Joan Holub, Suzanne Williams, Shutta Crum, and many others is what makes the job irresistible. Liza Pulitzer-Voges Literary Agent is on our list of AAR Publishing Agents (book agents who are members of the Association of Authors’ Representatives), Publishing Agents New York (book agents in New York State), Publishing Agents USA (book agents in the United States), Children’s Publishing Agents (book agents who represent books for younger readers), Young Adult Publishing Agents (book agents who represent YA books for teens), Middle Grade Publishing Agents (book agents who represent books for middle grade tween readers), and Picture Book Publishing Agents (book agents who represent picture books for kids). Liza Pulitzer-Voges Literary Agent Biography The profile about Liza Pulitzer-Voges Literary Agent that you see here contains just some of the information you’ll find in our free Book Agents Directory, with listings for all publishing agents. Scroll below now to learn more about Literary Agent Liza Pulitzer-Voges and get free instant access to our Book Agents Directory. Book Genres – Liza Pulitzer-Voges Literary Agent Liza Pulitzer-Voges Literary Agent represents the following book genres: - Children’s Books Representative Sales – Liza Pulitzer-Voges Book Agent Scroll below now to view representative titles and a complete profile for Liza Pulitzer-Voges FREE in our Book Agents Directory. AAR Status – Liza Pulitzer-Voges Publishing Agent Scroll below now to view the AAR status and a complete profile for Liza Pulitzer-Voges FREE in our Book Agents Directory. Contact Information – Liza Pulitzer-Voges Literary Agent Scroll below now to view the email and postal address for Liza Pulitzer-Voges FREE in our Book Agents Directory. Liza Pulitzer-Voges Literary Agent Enter the Literary Agents Directory Want more information about Liza Pulitzer-Voges? Join thousands of other subscribers today by entering your first name and email address. You’ll get free access to the Directory of Book Agents with detailed profiles for all book agents, including Liza Pulitzer-Voges Literary Agent.

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digitalization will shape the insurance industry digitalization will shape the insurance industry will continue to be the dominant theme in the insurance industry in 2024. Fadata, a leading provider of software solutions for the insurance industry, sees three sweeping trends: the increasing use of Cloud services, the growing use of AI and analytics applications, and the growing importance of digital ecosystems. In addition, the megatrend of sustainability will have a major impact on the insurance industry. Increasing competitive pressure and changing customer demands are forcing insurance companies to drive digitalization will shape the insurance industry. This includes process optimization and automation, as well as the establishment of new business models. Fadata has identified three key developments and trends to attaining transformation in the industry. Trend 1: The use of the Cloud There is a clear Cloud trend in all current modernisation initiatives in the insurance industry, especially in the direction of the public cloud. Using a standard solution in the Cloud offers digitalization will shape the insurance industryfar-reaching benefits such as agility, flexibility, performance, cost efficiency and scalability. SaaS solutions in particular are becoming increasingly important. They are expected to increasingly replace on-premises environments. Bold and aggressive companies are bypassing a technology generation, choosing to be fast-moving by going straight to the Cloud for the ability to swiftly adapt to market changes and offer innovative services. Trend 2: The use of AI and analytics applications The digitalization will shape the insurance industry is becoming increasingly data-driven. In this context, AI solutions and analytics applications are becoming increasingly important, predominantly driven by the hype surrounding generative AI. They provide the technical foundation for data integration and analysis, including semi-structured and unstructured data such as scanned files. This provides insurers with important and accurate insights. AI and analytics solutions can help insurers better understand their customers, identify risks, and make more informed decisions to deliver the personalised service that will elevate the digitalization will shape the insurance industryto ‘caring’. Suddenly tailored and flexible underwriting is enabled, chatbots can provide personalised support to customers, while more targeted advice and offers that are hyper-relevant deliver a more captivating experience. In addition, precise data analytics also support fraud detection and prevention. AI to date has been talked about a lot, but real world application has been extremely slow in the digitalization will shape the digitalization will shape the insurance industry. As insurers look to use data and technology to improve their processes and better serve their customers, insurance should begin to look more intuitive and provide an experience for customers more in-line with services outside of insurance. 2024 is expected to be the year that AI uptake begins to move in a more positive direction, and the industry can finally shift from product-centric to customer-centric. Trend 3: The use of digital ecosystems There is also a clear trend towards digital ecosystems in the cloud, which make it easier to link one’s own insurance offerings with those of other service providers. An ecosystem allows insurers to further differentiate themselves and develop innovative offerings that best meet the needs of policyholders. The digitalization will shape the insurance industry will therefore increasingly “open up” and build and utilize digital ecosystems, meaning that open rather than closed networks will dominate, including the integration of external partners as part of open insurance models. Such models, characterized by end-to-end processes, flexibility, agility and, above all, openness, will become indispensable for insurers from a competitive perspective, especially in property and health insurance. Above all, open insurance also creates the basis for the implementation of embedded insurance, and it is expected that many more companies will look to capitalize on embedding insurance in their products or services. Trend 4: Embedding sustainability Almost all companies today are striving to build a green image – and the digitalization will shape the insurance industry is no exception. In an era of ESG transparency and increasing sustainability awareness, sustainability will increasingly come to the fore for all insurers. Increasing regulatory requirements, such as the EU’s Corporate Sustainability Reporting Directive, will add to the pressure on insurers to drive the green transformation. In 2024, the industry should begin to deliver on the promises made to date and implement sustainable measures to meet both regulatory and self-implemented goals. “The digitalization will shape the insurance industry faces fierce competition and increasing market and customer demands. The challenges ahead can only be met with greater digitalization will shape the insurance industry,” said Anders Holm, Chief Commercial Officer at Fadata. “And new operating models and technologies are inevitably coming into focus. Cloud, ecosystem approaches and AI can be the key enablers for entering a new and, above all, successful era in the insurance industry.” Fadata has clients in over 30 countries across the globe. Headquartered in Munich, with international offices in more than 5 European cities, Fadata is backed by Private Equity Riverside and Lowell Minnick. The insurance sector is a late bloomer when it comes to the adoption of cutting-edge technologies. Until the digital revolution picked pace, most of the players in the Insurance sector were content with legacy systems. However, with the rapid proliferation of new-age technologies such as Artificial Intelligence (AI) and the Internet of Things (IoT), the industrial landscape is evolving and the incumbents are making strategies to enable the digital transformation of their firms. The adoption of any new trends in insurance technology should be a top-down exercise and C-suite must lead the effort. From gauging penetration of the new age insurance tech solutions vis-a-vis change in consumer behavior, the CIO office needs to run the show and usher in the era of digital transformation in the organization. Here are 12 ways through which CIOs can harness new technology in the insurance industry to reinvigorate their organization’s digital strategies while driving customer acquisition: 1. The Need for Speed In this rapidly changing world, the insurance industry is under pressure to keep up with the pace of change. New entrants in the form of digital-first insurers and innovative start-ups to the market are offering new products and services at a much faster rate than incumbent insurers. This means that incumbents need to move faster in order to stay relevant. This has cultivated a shift in the mindset among insurance leaders and experts, as the need to innovate is becoming apparent to everyone involved. Therefore, the right strategy for non-life insurers is knowing the customers holistically and crafting the products and services to match their expectations and needs on digital platforms as well. Their marketing strategies should position their value proposition appropriately to the tech-savvy audience as well. The industry has been shifting from a conservative and legacy system-driven into an increasingly innovation-focused, digital culture. The insurers want to head towards more innovation, better customer and employee experience, increased agility, and innovative applications of existing technologies to age-old insurance problems such as risk-assessment claims processing and policy sales. Therefore, now we will see a lot of insurers modernizing their legacy systems and applications to become more future-ready. 2. Rise of Self-Servicing for Policyholders About 81% of consumers want self-servicing options, and that goes for insurance policyholders too. They now expect to be able to do more for themselves without having to pick up the phone and speak to a customer service representative of the insurer. As customers turn more tech-savvy, they are turning to insurance technology trends as a medium to purchase policies, manage policies, settle payments, raise claims, etc. While transferring the power and control into the hands of the consumer would vastly improve the customer experience, it will also benefit businesses by lowering customer acquisition costs, elevating insurance agent productivity, increasing customer retention, expediting claims processing, and cementing brand value and position. However, to extend such an option, insurance companies would have to be digitally mature enough to build platform-agnostic apps and portals to facilitate customer requests. 3. Making Mobile Apps Streamlined and Future-ready Carriers are using Mobile Apps to acquire, service, and retain policyholders, and advances that drive value for consumers help position carriers as long-term, vital partners. With Mobile Apps making it easier to access customer location and vital data, pitching customized premiums has become easier. Simultaneously, on-the-field interactions have become more efficient with Relationship Managers (RMs) offering better clarity into the product’s features through tablets. Nevertheless, in the present-day scenario, it is not about just being mobile. It is about rich features, engaging UI, and hyper-personalized experiences. Prospective buyers are short on time while searching for the desired product in the portfolio, they want recommendations auto-populated with easy access to human interaction through chat or call. This year, it will no longer be about leveraging the apps as a supplementary mode for accessing only core policy information, but they can integrate telematics tools and offer streamlined claims servicing will help drive policyholder engagement. digitalization will shape the insurance industry. For a CIO, it is important to oversee the performance of the app on parameters such as user engagement, data security, cross-device compatibility, and conversion. In the future, apps will be the single point of contact with your prospects, and the entire transaction from purchase to claim settlement would be done through the app itself. Hence, CIOs should lead mobile strategies with the vision of an app-exclusive future. 4. Embracing of Gen AI Gaining Momentum The demand for personalized insurance offerings is creating a rise for usage-based insurance as a primary business model. Therefore, Artificial Intelligence (AI) as a technology driver is shaping one of the most critical insurance industry trends. As per a study by McKinsey, by 2030, Artificial Intelligence will overhaul all aspects of the insurance industry. With the advent of intelligent machines, bio-sensors, and deep-learning algorithms in ordinary objects; the Insurance sector is bound for a major shift from ‘pay for damage’ to ‘prevent damage’. While this shift in the landscape might seem slow and happen in the background, the simultaneous emergence of IoT and AI in public space will make the contemporary way of claim processing obsolete and open up the road to claims process automation. As a result, CIOs must make strategies and adopt the recent trends in the insurance sector to prepare the organization for the proliferation of data from connected devices. digitalization will shape the insurance industry. The integration of Generative AI in insurance further amplifies the transformative impact on the industry. In time to come, insurance businesses that have invested in advanced data analytics will implement Gen AI to enhance the capabilities of their existing AI systems. Few questions that CIOs need to lead the organization to find answers to are as follows: - Is your workforce ready for upskilling? - Is your organization financially ready to adopt cognitive insurance technology? - How will risk be defined in the age of wearables? - How can Gen AI be leveraged to augment existing datasets? 5. Low-Code Development For Faster Go-to-market While insurers are pressing the acceleration pedal to achieve digitalization at the eleventh hour, low-code platforms have been helping them enable faster digital transformations by enabling them to build applications and portals faster. Since their advent, low-code platforms have been continuously growing in popularity due to the fact that they solve some burning issues facing IT teams. No-code tools amplify overstretched internal resources, reduce backlogs, and improve productivity. In fact, Gartner revealed that the market share of low-code solutions has grown by 22.6%, while traditional high-end custom development has declined by 23%. The most crucial quality that makes Low-code insurance platforms extremely attractive is accelerated time to market for new digital applications and products compared with traditional development projects. They allow business stakeholders to update and manage apps and software using an intuitive, user-friendly drag-and-drop functionality. With moderate or even elementary app and software experience, insurers will be able to quickly implement new and different UI features that customers demand, in a fraction of the time usually required. 6. Better Environmental, Social, and Governance (ESG) Compliance The insurance sector is witnessing unique issues that can be linked to Environmental, Social, and Governance (ESG) criteria. Insurers are not only evaluated by their sustainability reports but also by their initiatives on how they are continuously addressing carbon emissions, taking steps to diversify their workforce, and increasing transparency in their governance structures. Governments and governmental bodies are also making it legally binding for companies, insurance included, to transition to the low-carbon economy and manage climate-related risks. On the other hand, insurers are themselves realizing the impact of ESG on businesses and their functioning. About 85% of global insurers believe that investments (91%), risk and internal audit (90%), and underwriting (88%) would greatly transform along with their ESG commitments. As a result, the current and future insurance industry trends would focus on ESG liabilities as a way of conducting business. They will engage with the desired authorities to determine the best ways to meet ESG requirements and understand their implications. 7. Increasing Admiration of Underwriting Workbench Centralization of data and business processes is one of the greatest advantages of the digitalization of economies. Amongst the various insurance dashboards that are going to make an appearance in the years to come, the underwriting workbench would be one of the most instrumental tech inclusions. As the name indicates, the underwriting workbench is a centralized workspace that contains an underwriter’s most valuable digital tools and supports the whole underwriting process. The resulting end-to-end underwriting control panel streamlines workflows and conserves time and energy while elevating employee and customer experiences. At the same time, this new technology in the insurance industry also paves way for integrated and collaborative working. It will undoubtedly become more than just a nice-to-have for individuals transitioning to a digital way of working with the usage of AI and machine learning. digitalization will shape the insurance industry. 8. Embedded Insurance Gaining More Momentum “Embedded Insurance”, one of the current technology trends in the insurance industry, banks on “meeting customers where they are” concept. This means it can typically be purchased during the buying process for another product (For example, personal auto insurance bought at a car dealership or travel insurance offered through an air ticket checkout process). This is one of the key digital trends in the insurance industry that not only boosts the affordability and accessibility of insurance services but also helps improve customer engagement and risk removal in the process. digitalization will shape the insurance industry carriers will seek opportunities to find new and innovative areas to launch embedded insurance products. Hence, there will be a greater number of partnerships between product and insurance companies in the coming years to result in greater market penetration. digitalization will shape the insurance industry. 9. Heading Towards Distributed Infrastructure With various field agents and in-office policy managers, the digitalization will shape the insurance industry has been operating in a distributed manner since its inception. However, all players and stakeholders were gradually being brought to the same plane thanks to technological intervention. Companies that were yet to embrace such a business model or had glaring gaps in their systems were pushed to streamline everything during the pandemic. With this background, the latest trends in the insurance industry would be a refinement of this strategy. We would be seeing core business systems migrating to the cloud and strongly coupled with different insurance technology tools and platforms for a digitally-native insurance ecosystem. This will help insurance companies quickly launch new products and create improved customer service. digitalization will shape the insurance industry. 10. Brace for Blockchain Disruption The Insurance Sector is an easy target for tech-savvy fraudsters. With the main premise of fraud detection and risk prevention, Blockchain technology is the natural candidate for deployment in the Insurance industry. Issuance of Insurance policies through smart contracts and encryption of medical records will make the operations secure and efficient, apart from bringing transparency between insurers and reinsurers. Blockchain Insurance Industry Initiative (B3i), the collaboration of global insurers and reinsurers, has the likes of Allianz as its stakeholder and is involved in building Blockchain apps for the industry. When bigger players adopt Blockchain in their mainstream operations, it is imperative for medium and small players to follow the technology trends in the insurance industry. CIOs should keep a tab on Blockchain penetration, as it is likely to disrupt the Insurance landscape soon. digitalization will shape the insurance industry. 11. Keep the Data Secure Insurance Carriers have access to highly-sensitive customer information, making them prone to cyber-attacks. The stakes are even higher because the industry traditionally runs on trust. Each technology update involves migration to a newer platform and business-unit-wide learning, exposing information to potential threats. Even a short-term attack, where attackers compromise a single system can detrimentally impact the brand reputation and digitalization will shape the insurance industry customer attrition. While data-security measures such as Intrusion Detection Systems and Intrusion Prevention Systems are evolving, attackers are also honing their skills. To keep a step ahead, preemptive measures such as periodic security audits, contingency plans to mitigate risk, and security upskilling are required. CIOs need to allocate adequate resources to keep data secure, impede breaches, and maintain a strong accountability system for robust security. To attract new customers, the promise of data security is probably the most understated offering with far-reaching repercussions. digitalization will shape the insurance industry. 12. The Surge of Open Insurance Ecosystems Cloud-based digital ecosystems are one of the insurance industry trends that are rapidly gaining traction. Since they are hosted on the cloud, it makes it easier for insurers to connect their own offerings with those of other service providers. It enables insurers to set themselves apart from the competition and develop innovative products that are tailored to meet the needs of customers. digitalization will shape the insurance industry It is expected that the insurance industry will leverage digital ecosystems and embrace open insurance models. Characterized by agility, flexibility, and end-to-end processes, these platforms will soon become key to staying competitive. The adoption of open insurance not only fosters a conducive environment for embedded insurance but also enables small and medium-sized insurers to explore and capitalize on embedding insurance in their offerings. Fadata is a leading provider of software solutions for insurance companies globally. We are on a mission to empower the insurance industry to drive customer engagement, innovation and business value. Together with our customers we are on a journey to build the future of insurance and impact millions of people’s lives every day. digitalization will shape the insurance industry

https://taazatimesnews.com/digitalization-will-shape-the-insurance-industry/

"Vanvi Technologies is a leading provider of advanced technology solutions for the insurance sector. We empower insurance companies to drive digital transformation, enhance operational efficiency, and deliver exceptional customer experiences. Our comprehensive suite of insurance solutions covers the entire insurance value chain. From policy administration systems to claims management platforms, we streamline processes, automate workflows, and improve productivity. With our data analytics capabilities, we enable insurance companies to gain valuable insights into customer behavior, risk assessment, and fraud detection. By leveraging data-driven intelligence, insurers can make informed decisions, tailor insurance products, and provide personalized services to policyholders. Vanvi Technologies understands the importance of customer engagement and satisfaction in the insurance industry. Our customer self-service portals, mobile applications, and chatbots empower policyholders to manage their policies, file claims, and seek assistance seamlessly. We also prioritize data security and privacy in the insurance sector. Our solutions employ robust encryption techniques, access controls, and data protection measures to safeguard sensitive customer information and comply with regulatory requirements. Furthermore, Vanvi Technologies supports insurance companies in adopting emerging technologies. We leverage artificial intelligence, machine learning, and robotic process automation to automate underwriting, claims processing, and customer service, leading to faster turnaround times and improved operational efficiency. By facilitating seamless integration with external systems, such as healthcare providers or vehicle telematics, we enable insurers to enhance risk assessment accuracy and offer more tailored insurance coverage. As the insurance landscape evolves, Vanvi Technologies remains at the forefront of innovation. We collaborate closely with insurance companies to understand their unique challenges and deliver scalable, future-ready solutions. Join us in transforming the insurance sector through technology and innovation. Together, we can accelerate growth, mitigate risks, and redefine the insurance experience for policyholders."

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MONDAY, OCTOBER 5, 2020 The Benefit of Restaurant Liability Insurance The primary function of your restaurant is customer service. Satisfying a hungry stomach is the thing that keeps your doors open and customers coming back time after time. Of course, you want to do all you can to serve them a quality product without fail. However, you can’t guarantee that something won’t go wrong. And when something happens to one of your customers, it might be your responsibility to compensate them for their losses. In many cases, a client’s losses might be the restaurant’s fault, even if the restaurant didn’t intend for the accident to happen. Negligence can occur in all lines of your services, and when it does, you might face a financial challenge if you must repay the affected client. To mediate some of these risks, most businesses carry general liability insurance. Restaurants that carry general liability insurance can receive many benefits, including an overall better financial outlook. Let’s take a closer look at the benefit of this coverage and why it helps your business. Understanding General Liability Policies A liability is the legal responsibility one party bears for another party. Your restaurant’s liabilities are many, especially where your customers are concerned. Of course, you never want to provide a customer with poor service. However, there’s no way you can prevent every accident. When these accidents occur, general liability insurance can compensate the affected third party for their losses. Generally, the policy covers third-party: Therefore, should a customer sustain a harmful loss because of your mistakes, you can aid them in their recovery. They will receive the benefit of recovery without paying for their own expenses. However, the business itself won’t have to spend exceptional funds trying to meet these obligations. For example, suppose that a client visits your restaurant and later sues you because they suffered a severe case of food poisoning afterwards. Or, perhaps, a client trips over frayed carpet on their way to the restroom and later sues you for their hospital bills. In either case, your general liability policy might help you compensate the affected client. Besides the benefits to affected parties, commercial general liability insurance can supply exceptional protection to restaurant owners themselves. Simply by having this coverage in place, you can receive many benefits that will make your overall operations more secure. Some of the ways a general liability policy can help your restaurant include: Businesses that are responsive to customers are most likely to remain stable. This means being able to help clients out in good times and in bad, including following liability lawsuits. With a liability insurance policy in place, you’ll enable your restaurant to respond to liability lawsuits and customer claims in a formal and prompt manner. Therefore, you won’t face any potential challenges by not being able to address the loss. By having general liability insurance, you will enable your policy to pay for liability claims on your business’s behalf. Therefore, you won’t have to pay for a liability settlement out of your business accounts. There will not be a significant loss of profits because of a liability suit, and you therefore won’t but the restaurant itself in harm’s way. Most liability insurance claims arise because of a lawsuit made by a third party. Therefore, the restaurant might not only have to pay a settlement to the affected person, but they might also face substantial legal costs because of the suit. As a result, general liability insurance can provide you with the proper legal assistance necessary to settle the claim. It might pay both for your own legal expenses and the legal expenses of the plaintiff. Therefore, both parties can move on from the claim. Keep in mind, most general liability policies cover more than just bodily injuries a restaurant customer might sustain. It can often cover personal injuries to others, which are different from physical losses. For example, if a competitor alleges that you committed libel, slander, copyright infringement or advertising injuries against them, then liability insurance can also address these losses. Plus, don’t forget that your policy can also cover property damage to others for which the business is liable. In many communities, restaurants and other businesses face a legal requirement to carry general liability insurance. Therefore, having a policy will help you make sure you can keep your doors open. Additionally, restaurant owners can always increase and expand their liability coverage to make sure they safeguard themselves against local regulations. For example, if your restaurant sells alcohol or liquor, then you might have a requirement to buy a liquor liability policy. In many cases, you can buy this coverage as an endorsement to your general liability insurance. Take the time to talk to your business insurance agent about the way to successfully cover your restaurant’s liabilities. We are happy to help you compare your different policy options to find both a foundation of coverage and the proper endorsements to build yourself the best policy. Post a Comment Required (Not Displayed) All comments are moderated and stripped of HTML. NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.

https://www.amerimexseguros.com/blog/the-benefit-of-restaurant-liability-insurance.aspx

Are you venturing south of the border? Then, you’ll need to navigate the nuances of Mexican car insurance. It’s not as daunting as it sounds! This guide has got you covered. You’ll learn the importance of having valid insurance, how to choose the right policy, and how to handle any potential claims. So, buckle up and let’s hit the road to understanding Mexican car insurance. You’ll be well-prepared for your journey in no time! Understanding Mexican Car Insurance Understanding Mexican car insurance isn’t just a convenience, it’s a necessity you’ll need to grasp before you venture on your journey south of the border. Don’t be fooled into thinking your existing coverage will have you covered; it won’t. Mexican insurance for cars is a legal requirement, and without it, you’ll face a world of hassle if you’re involved in an accident. The process of securing insurance isn’t as daunting as you might think. You can purchase coverage from providers either online or at the border. Ensure you’re getting a comprehensive policy, covering both liability and physical damage. Remember, it’s not about the cheapest option, but the one that gives you peace of mind while you’re exploring Mexico’s stunning landscapes and rich culture. Importance of Valid Car Insurance in Mexico Every single time you plan to drive in Mexico, you must ensure you’ve a valid Mexican car insurance policy. It’s not just a legal requirement, but it can also save you from enormous costs and complications in case of an accident. Without car insurance, Mexico can become a financial nightmare if you’re involved in a mishap. A valid policy covers damages to third parties, legal aid, and medical expenses. It’s worth noting that your U.S. or Canadian insurance isn’t recognized in Mexico. Purchasing the Right Insurance Policy When you’re ready to buy your Mexican car insurance, it’s vital to choose the right policy that covers all your potential needs and risks. Don’t just opt for the cheapest auto insurance; it mightn’t provide the coverage you need. Consider factors like liability limits, legal assistance, and road assistance. Ask if the policy covers theft, physical damage, and medical expenses. Be aware, policies offering ‘full coverage’ may exclude certain scenarios. It’s also worth checking whether your policy offers coverage for multiple drivers or if it’s limited to the policyholder. Remember, the right insurance policy isn’t always the cheapest, but the one that provides comprehensive protection for you and your vehicle. Dealing With Mexican Insurance Claims While you’ve taken the necessary steps to secure the right policy, it’s equally important to know how to handle insurance claims should you find yourself in an unfortunate situation in Mexico. Don’t panic. Instead, stay calm and follow the right procedures. Here are some tips to help you navigate the claims process smoothly: - Report the incident immediately: Contact your insurance company as soon as possible. They’ll guide you through their specific claim process. - Document everything: Take photos of the damage, any related injuries, and the scene. This will be valuable evidence for your claim. - Seek legal help if needed: If the situation gets complicated, don’t hesitate to get a lawyer involved. They’ll be instrumental in dealing with legal intricacies. Frequently Asked QuestionsWhat Are the Penalties for Driving Without Car Insurance in Mexico? Can you afford hefty fines or jail time? If you’re caught driving without car insurance in Mexico, that’s exactly what you’re risking. So, don’t take chances, ensure you’re insured before hitting the road. Can I Use My U.S. Car Insurance Policy in Mexico? No, you can’t use your U.S. car insurance policy in Mexico. Mexican law requires drivers to have auto insurance that’s issued by a Mexican insurance company. It’s essential to arrange this before your trip. How Can I Verify if a Mexican Car Insurance Company Is Reliable? You can verify a Mexican car insurance company’s reliability by checking their ratings on insurance review sites, and seeking out testimonials or complaints online. Always do your homework before purchasing a policy. What Should I Do if I Get Into a Car Accident in Mexico? When you’re in a pickle after a car accident in Mexico, don’t panic. Contact your insurance company immediately, report the incident to local authorities, and ensure you’ve all necessary documentation at hand. Are There Different Types of Car Insurance Policies Available in Mexico? Yes, there are different types of car insurance policies available in Mexico. You’ll find liability-only policies, full-coverage options, and even expanded coverage plans. It’s crucial you choose what fits your needs best. So, you’re ready to hit the road and explore Mexico? Remember, your U.S. car insurance won’t cover you south of the border. Invest in valid car insurance Mexico, pick the right policy, and familiarize yourself with the claims process. With these keys in your pocket, you’ll unlock a worry-free journey. After all, isn’t freedom from worries the real essence of any vacation? Enjoy your trip, knowing you’re prepared for anything the road throws your way!

https://www.bbcinterview.com/your-guide-to-mexican-car-insurance-everything-you-need-to-know-before-driving-south-of-the-border/

ATAG ATAG I18S 18 kW System Gas Boiler |ATAG I18S 18 kW System Gas Boiler |Energy Efficiency Rating |LPG model/Conversion kit |Up to 14 Years |Wall Mounted or Floor Standing |DHW Flow Rate |Hot Water Max Output ATAG I18S 18kW Gas Boiler System Review ATAG Selected Partners will professionally install your ATAG I18S Boiler. The standard warranty is 10 years. These domestic boilers, which are known for being energy efficient, will last many years and provide low-cost heating. Dutch boiler company ATAG, which designs and produces boilers, has its headquarters in Holland. They claim that they have maintained the highest standards of engineering excellence, as well as energy efficiency, over the years. ATAG manufactures many gas boilers, including a combination boiler, system boiler, regular boilers and regular boilers of various sizes. ATAG boilers use high-quality brass, and stainless steel components. ATAG boilers include the ATAG’s revolutionary iCon Heat Exchanger. This heat exchanger offers unparalleled performance and efficiency. Why choose the ATAG I18S Boiler System? The ATAG i18S boiler is the best option and it will save you money. These boilers also make it easy to use. Our boilers stand apart because of our ErP pump. The ErP Pump controls heat from the boiler. It ensures your boiler’s efficiency. This will help you save money every single year. ATAG iRange boiler complies with European standards (CE). The boiler is closed, condensing and moderating heating boiler. The manufacturer may provide a declaration confirming conformity. High efficiency, low radiation convection losses, and low standby losses make the boiler efficient. The boiler boasts a high efficiency rating of 88% SEDBUK 2009. Because it emits noxious materials at levels far below the standards, this boiler has a high-efficiency rating of >88% SEDBUK 2009. ATAG 18kW system boilers designed for UK homes Traditional boilers are equipped with an unvented water cylinder which increases hot water capability. Because controls and pumps are all contained within the boiler casing it makes this a space-saving solution. - A model measuring 275mm (deeper than normal) is available to fit into kitchen cabinets - Standard warranty of 10 year, with options for upto 14-years - The ATAG ONE Zone smart controller and Tado V3+ intelligent Controller allow you to control the system with your smartphone. - ATAG iCon stainlesssteel Heat Exchanger – With its lifetime replacement warranty - LCD Display displays detailed fault codes for a faster and more precise boiler diagnosis - Compatible with ATAG iSteel cylinders & 3 port kit - Built-in anticycling function allows for greater efficiency - Condensate and pressure relief outlet pipes are more affordable. - Compatible with the ATAG iSteel twin coil cylinder range. - Standardly supplied with an adapter for fixing the back pipe to the boiler. - Pump for better efficiency and low electricity consumption. Factory-fitted ErP pump "The engineer Hasan arrived on time, was very polite & helpful. A pleasure to have him done our boiler service." "The lads were great got a big job done in 2 days put new boiler in loft the lads were very efficient and managed to tackle a number of problems that they came across with the gas pipe and would definitely be using Yorkshire bolilers again when I move also Andrew Firth the sales agent was great and then rest of the team I spoke to one the phone. Mr and Mrs Dass" "Swift tidy service and friendly engineer thankyou" "Arrived within timescale given. Gary was friendly, knowledgeable and efficient, thank you." "Top lads cory and kieran very clean and tidy it's been a pleasure, very efficient with install of new boiler explained everything, very polite top job done lads, credit to themselves....thanks dave" "Hasan was very polite knowledgeable and efficient. Telephoned to say when arriving and so helpful." "First class boiler service. The engineer Gary was very polite, helpfully, and knowledgeable. Thank-you." "Engineer was very pleasant and gave good advice."

https://www.boilercentral.com/manufacturer/atag/i18s-18-kw-system-gas-boiler/

Owning a home is a good idea for a lot of people in the Birmingham, AL area. When you are a property owner in this part of Alabama, you will enjoy having a consistent place to call home and can benefit from long-term price appreciation. If you are going to purchase a home here, you also need insurance for it. There continue to be great reasons why someone here should have coverage for their home: Protect Dwelling and Assets A reason that all people in Birmingham should have this insurance is so they can protect their dwellings and assets. If you are going to buy a home, you will want to know that you have the ability to repair it when necessary. If you have a full plan, it will give you the support you need to protect your dwelling and any personal belongings. Offset Liability Risks You also should have home insurance to offset your liability risks. There are always liability risks that come when you are a property owner. As the cost to cover damages or injuries can be significant, finding a way to offset and mitigate this risk is always important. A great way this can be done is by getting a home insurance plan as it will also include a provision for liability insurance. Contact Us Today If you are a property owner in the Birmingham, AL area, it is clearly very important that you get the insurance that you need. If you are looking for this type of insurance here, the team with Magic City Insurance Group LLC is a good group to call. Many people will enjoy working with Magic City Insurance Group LLC as we offer personalized support that will help you build a plan that can meet your needs.

https://www.magicins.agency/blog/2022/12/

GARAGE OWNERS INSURANCE M & M Insurance Agency, Inc. offers a Garageowners insurance policy that works for you. Whether you own a small or medium sized garage, accidents can happen. Protect yourself and your business with our broad property and liability coverage. Who Needs It? Our Garage Businessowners policy is designed specifically for businesses like yours: - Auto Glass Shops - Auto Repair/Auto Body Shops - Car Wash/Detail Shops - Gasoline Service Stations - Tire Centers - Paintless Dent Removal One and Done We like to keep things simple when it comes to great coverage. A single basic policy with built-in flexibility eliminates the need for multiple policies because property and liability are included. Your success depends on your to turn around high quality work in a short amount of time. You can stay focused on running your business knowing you have great coverage. The insurance policy helps protect your business from the unexpected risks that may come with owning a garage. Building & Business Personal Property Your place of business is covered! Whether you own or lease, your building and contents are covered. Your tools and equipment can be listed specifically on the policy or covered under a blanket form. It's extremely important to consider your liability risks as a garage owner. We can offer policy limits up to $2,000,000. This coverage includes, Premises & Operations, Medical Expenses, Products & Completed Operations, Personal Injury, Damage to Premises Rented to You, with the option to purchase additional liability coverages. This covers your customer's vehicles. Specified Perils and Comprehensive Coverage have an occurrence deductible for theft and mischief or vandalism. Additional Coverages Available - Hired and Non-Owned Auto - Click here to learn more. - Accounts Receivable - Additional Insured - Employment Practices Liability - Data Compromise - Garage keepers Actual Loss Sustained or Specific Limit - Garage keepers Direct Primary Coverage - Errors & Omissions Thank you for your interest in M & M Insurance Agency, Inc., primarily serving Illinois, Missouri, Wisconsin, Tennessee, and Kentucky. We work with multiple A+ rated carriers to bring you the best insurance coverage to fit your needs and budget. Please feel free to call our office at 618-542-4831 or email us any questions and an insurance agent will reply promptly.

https://www.mminsurance.org/garage/

While the summer sun provides hot days, cooler temperatures prevail at night, offering the perfect opportunity to use an outdoor fireplace. And while nothing beats gathering around an outdoor fireplace with friends and family on a cool summer night, there are other benefits to owning an outdoor fireplace, including: – Increasing the value of your home. Adding an outdoor fireplace to your property will increase the value of your home by adding beauty and functionality to your backyard. Creating an inviting outdoor living space is a hot trend in real estate, and having an outdoor fireplace can be especially inviting for homes without one indoors. – The ability to use the fireplace to cook. By adding just a few accessories to your outdoor fireplace, you can use the unit to cook an entire meal using the open flames and heat. And, by using different wood chips in the fireplace, you can create new flavors. – Keeping the bugs away. The flame and the heat from your outdoor fireplace will help keep annoying bugs away, allowing you and your guests to enjoy the evening without worrying about summertime pests like gnats, mosquitoes and more. At Rooftop Chimney Sweeps Inc. we can provide you with the perfect outdoor fireplace to meet all of your needs, while offering a beautiful space to entertain guests all summer long. From Alexandria to Arlington, and Washington, D.C., and beyond, we offer the services you need to help keep your fireplaces and chimneys safe and efficient, whether indoors or out. Our chimney cleaning service and fireplace service will put you at ease knowing your chimney was cleaned and inspected by professionals. For more information about outdoor fireplaces or any other of our services, contact us today.

https://www.rooftopchimneysweeps.com/blog/2018/april/unique-benefits-of-an-outdoor-fireplace/

|1/21/2024 Box 1-02 Wellsboro Borough Wellsboro Fire department and EMS and Elkland fire department (RIT) were dispatched to box 1 – 02 in Wellsboro for the report of a building fire |By Wellsboro Fire Department |January 22, 2024 Chief 1 – 10 (McCarthy) arrived on scene and established Command reporting smoke from the address. Further reports indicated a bedroom fire on the second floor of a multiple occupancy style building (apartments) Middlebury fire department requested full response to the scene. Engine 1-3 arrived on scene at 1711 deploying one 1.75” attack line to the fire floor.Initial primary search of the building was completed interior crews by 1720, all found to be negative. Ladder 1-9 went into service deploying their aerial ladder to determine extension into the common cockloft. Crews from all departments worked to bring this fire under control with minimal damage to the surrounding apartments. Fire was reported by Command to be under control at 1730 hrs. Just 25 minutes after the initial dispatch! Crews from all departments remained on scene for just over one hour before returning to quarters. There were no injuries to civilians or fire department personnel, thank you to all of our volunteers and the other responding agencies for your assistance. 

https://www.wellsborofire.org/apps/public/news/newsView.cfm?News_ID=86&Print=1

An “economizer” is a supplementary water heater consisting of the front part of the boiler which is partitioned off from the rear section by a thin steel plate baffle, closely-fitted inside and around (but not rigidly attached to) the boiler barrel, tubes and flues. Thus, the pressure on both sides of the baffle is the same – the baffle simply serving to retain the colder incoming water to give it time to gain temperature before it “overflows” into the evaporative (rear) section of the boiler. Keeping the colder water at the front of the boiler serves two purposes: - it maximises the temperature differentials across the tubes – i.e. between combustion gases and boiler water – allowing the cooler water in the front of the boiler to extract heat from the gases that have lost much of their energy evaporating the water at the back of the boiler. - segregating “the cold” from the hot water, minimizes thermal stresses within the boiler shell. The 5AT design incorporated an economizer section at the front end of its boiler, described in the introduction to FDC 9 “Feedwater Heating” as follows: “A Chapelon-type economizer at the front of the boiler barrel. This is a partition at the front of the barrel formed by an intermediate tubeplate and in free communication (by an overflow hole(s)) with the rest of the boiler. This free communication means zero pressure difference between the two and there may therefore be no need for pressure-tight joints where the boiler tubes pass through the intermediate tubeplate – a good fit of the tubes in the holes to stop gross flow of water between the two sections may suffice, e.g., for parallel tubes, to be achieved by drilling all tubeplates to the same template and aligning them up with some dummy tubes in place when welding to the barrel. The boiler clack valves are situated in the economizer section, all incoming feedwater entering the boiler at the front where the combustion gasses are at their lowest temperature, and therefore acting to give the highest temperature difference, and consequently highest heat transfer, in this part of the boiler, improving its absorption efficiency.” [Note: the Franko-Crosti boiler used on some of the BR 9F 2-10-0s was a singularly unsuccessful form of Economizer.]

http://advanced-steam.org/ufaqs/the-economizer/

Training and testing restrictions with certain firefighting foams - restriction on sale of certain firefighting foams - notification of chemicals in protective equipment -survey. The act prohibits the use of class B firefighting foam that contains intentionally added perfluoroalkyl and polyfluoroalkyl substances (PFAS foam) for training purposes or for testing firefighting foam fire systems and creates a civil penalty for doing so. The act also creates the "Firefighting Foams Control Act" (act) which: - Prohibits the sale of PFAS foam in certain circumstances; - Requires manufacturers of PFAS foam to notify sellers of the provisions of the act; - Requires manufacturers to disclose whether the personal protective equipment they produce contains perfluoroalkyl and polyfluoroalkyl substances; - Allows for the department of public health and environment to request a certificate of compliance from a manufacturer of class B firefighting foam or firefighting personal protective equipment to ensure that those manufacturers are complying with the limitations on the manufacture of PFAS foam as set forth in the act; - Creates a civil penalty for violating the provisions of the act; and - Requires the department of public health and environment to conduct a survey to determine the amount of PFAS foam currently held, used, and disposed of by fire departments. (Note: This summary applies to this bill as enacted.)

http://leg.colorado.gov/bills/hb19-1279

Is employee health insurance tax deductible? For most people, their portion of employer-sponsored health insurance premiums aren't enough to get deducted from taxable income. Most group health insurance premiums are subsidized by your employer and the business pays a large portion of the cost. The rest comes out of your paycheck, tax-free. Is health insurance 100% tax deductible? If you're a self-employed person, you may deduct up to 100% of the health insurance premiums you paid during the year. To take the deduction, you must meet certain criteria. We'll go over those rules in this post and explain how you can deduct them on your return. Is employee healthcare tax deductible? Depending on your organization's health benefit, you can usually write off your health insurance expenses on your taxes. Group health insurance premiums, HRAs, and HSAs are tax-advantaged for employers. Health stipends, however, are subject to taxes for the employer and the employee. Do health insurance deductions reduce taxable income? Employer-paid premiums for health insurance are exempt from federal income and payroll taxes. Additionally, the portion of premiums employees pay is typically excluded from taxable income. The exclusion of premiums lowers most workers' tax bills and thus reduces their after-tax cost of coverage. What happens if employer forgets to deduct health insurance premiums? If the deduction is deemed allowable, the employer could consider taking the missed premium payment in increments, from more than one paycheck, as long as the increments are taken within the plan year because these premiums are generally pre-tax. What tax deductions are 100% deductible? Meal expense that are 100% deductible: Recreational expenses primarily for employees who are not highly compensated, such as the business holiday party or the company picnic. Office snacks provided to employees at the office. How much of health insurance is tax-deductible? You can usually deduct the premiums for short-term health insurance as a medical expense. Short-term health insurance premiums are paid out-of-pocket using pre-tax dollars, so if you take the itemized deduction and your total annual medical expenses are greater than 7.5% of your AGI, you can claim the deduction. Can I deduct employer health insurance premiums? If you paid the premiums for a policy you obtained yourself, your health insurance premium is deductible when they are out-of-pocket costs. If your insurance is through your employer, you can only deduct these: Amounts you paid with after-tax funds. Does health insurance affect tax return? Whether you get financial help or not, health coverage is part of filing your taxes. Unless you report that you had health coverage, you may have to pay a state tax penalty. If you received federal or state financial help, you'll report that as well. How do self-employed people deduct health insurance? A self-employment health insurance deduction is extremely beneficial to those who are self-employed and do not qualify for any other type of health insurance. When you purchase your own health insurance as a self-employed professional, you can deduct 100% of your health insurance premiums when filing taxes. Is it better to have health insurance deducted before or after taxes? Conclusion. If your insurance plan is employer-sponsored, you'll be able to pay for premiums on a pre-tax basis, saving you money on income and payroll taxes. If you purchase your own individual plan, you'll have more flexibility, but will pay more taxes. Can I take self-employed health insurance deduction and premium tax credit? The self-employed health insurance deduction and premium tax credit can work together. If you do qualify for both, remember this key rule: Your combined insurance premium deductions and premium credits cannot be more than your total eligible insurance premiums. What happens if you lie about not having health insurance on taxes? If you lie on your taxes you could be subject to an audit and penalties by the IRS. Can an employer recover their portion of health benefit premiums when an employee fails to return from FMLA? The employer may recover its share of health plan premiums if the employee fails to return to work after his or her unpaid FMLA leave entitlement has been exhausted or expires, unless the reason the employee does not return is due to: Circumstances beyond the employee's control; or. Can an employer get in trouble for not withholding federal taxes? The Tax Division also pursues criminal investigations and prosecutions against those individuals and entities who willfully fail to comply with their employment tax responsibilities, as well as those who aid and assist them in failing to meet those responsibilities. Is buying lunch for employees tax-deductible? The deduction for unreimbursed non-entertainment-related business meals is generally subject to a 50% limitation. You generally can't deduct meal expenses unless you (or your employee) are present at the furnishing of the food or beverages and such expense is not lavish or extravagant under the circumstances. Is payroll 100% tax-deductible? All of your employees' wages are also considered fully deductible, including any bonuses and commissions, as long as the payments are deemed ordinary, reasonable, and for services rendered. Can I write off my car purchase as a business expense? If you use your car only for business purposes, you may deduct its entire cost of ownership and operation (subject to limits discussed later). However, if you use the car for both business and personal purposes, you may deduct only the cost of its business use. Are meals for employees 100 deductible? Under the CAA, businesses can deduct 100% of business meals provided by restaurants, including meals taken during business travel and meals offered to employees for the convenience of the employer. Are groceries tax-deductible? Saving grocery receipts for taxes might not be necessary for most individual taxpayers since everyday personal expenses, including groceries, are typically not tax-deductible. What deductions can I claim without receipts 2023? If you make a claim and don't have a receipt, a bank statement, invoice, or bill may also work as a record. Some items that may fall into this category include vehicle expenses, retirement plan contributions, health insurance premiums, and cell phone expenses. Are eyeglasses tax deductible? The bottom line. You can deduct the costs for prescription eyeglasses and eye exams on your tax return. But they must be a part of your itemized medical deductions, which need to exceed 7.5% of your adjusted gross income. Is health insurance reimbursement considered income? If an employer pays the cost of an accident or health insurance plan for his/her employees (including an employee's spouse and dependents), then the employer's payments are not wages and are not subject to social security, Medicare, and FUTA taxes, or federal income tax withholding. Are 401k contributions tax deductible? Can I Claim 401(k) Contributions on My Taxes? Generally, there's no need as your traditional 401(k) contributions are automatically deducted. Your 401(k) contributions are made pre-tax—your employer won't include these contributions in your taxable income. Is employee paid health insurance taxable? Reporting the cost of health care coverage on the Form W-2 does not mean that the coverage is taxable. The value of the employer's excludable contribution to health coverage continues to be excludable from an employee's income, and it is not taxable.

https://alcomyazilim.com/articles/is-employee-health-insurance-tax-deductible

If you are considering buying life insurance , you probably want to know what it is going to cost you every month or every year. Unfortunately, there is no simple answer or fixed dollar amount to quote you at without knowing more about your financial situation, life insurance needs, goals, and the type of coverage that best meets those needs and goals. Several factors go into life insurance pricing, including the following: Type of Insurance Coverage . First, the cost of life insurance is largely driven by the type of policy you are considering purchasing. Term life insurance , which provides coverage for a fixed number of years, is typically the least expensive type of coverage. However, it may not cover (or may not fully cover) your needs. Universal life insurance is designed to be “permanent” coverage, offering protection for your lifetime or until the policy’s maturity date (often age 100 or even higher). Since insurance companies are more likely to have to pay a claim on a permanent insurance policy, the cost of insurance is higher. Amount of Insurance . Next, the amount of life insurance protection you need will also impact the cost of the policy. All other things being equal, a $250,000 policy will cost more than a $100,000 policy. Your Age at the Time of Application . The amount you’ll pay for life insurance also depends on your age at the time you apply for coverage. Coverage generally costs less when you are younger; waiting to buy coverage could end up making your policy premiums higher simply because you will be older at that point. Nicotine Use . If you are a smoker or use smokeless tobacco products, you may pay more for life insurance than people who don’t use nicotine products. Your Gender . Statistically speaking, women live longer than men. Because of this, women generally pay lower life insurance premiums than men do. Your Occupation and Hobbies . Your lifestyle also influences the amount of your life insurance premiums. Office workers will generally pay lower premiums than construction workers. Your hobbies can impact your rates too; if you like to skydive, scuba dive or regularly engage in other activities that are potentially risky, you may be asked to pay more for coverage. Alternatively, your life insurance policy might simply exclude those activities from coverage. Where You Live . The part of the country you live in can also impact the cost of life insurance, although these price variations tend to be relatively small. If you live in a state or region that has higher rates of disease, crime, obesity or natural disasters, your cost of insurance may be higher than if you lived in a part of the country where the risk of those types of events is lower. Your Health . The cost for your life insurance policy will also depend on your overall health. When you apply for coverage, you will be asked a series of questions including your height and weight, whether you have been diagnosed with common or serious health conditions, whether you take any medications, etc. People who are generally healthy can expect to pay less for coverage than people with one or more physical or mental health conditions. If you are comparing term insurance and universal life insurance policies on cost alone, you are comparing apples and oranges; the two types of policies are quite different. While Universal life insurance policies are more expensive than term coverage, remember that they also come with a cash value component. When you buy term insurance, your entire premium payment goes to pay the cost of insurance coverage. You are protected throughout the entire term of the policy. However, if you outlive the policy term, you may need to start the process of buying insurance coverage again. Because you are older at that point, you will likely pay more for coverage – sometimes significantly more. With universal life and other types of cash value insurance, a portion of your premium payment goes to fund the cash value account inside your policy. That cash value grows, tax-deferred, right inside the policy. What’s more, many insurance companies offer attractive, guaranteed interest rates for the cash value account. If you need to withdraw cash or take a policy loan at some point in the future, you can do so. Of course, draining the cash value account could be detrimental later in life as without it, you may not be able to afford to pay the rising cost of insurance. Obviously, you cannot change your age, and it is not practical to move to another part of the country simply to get lower rates on your life insurance. However, there are some things you can do that can lower the amount of life insurance coverage: Stop Smoking . If you’re a nicotine user, quitting can positively impact your rates on life insurance. Manage Your Weight . Similarly, achieving and maintaining a healthy weight for your age, height and gender can keep your costs down. That’s because being overweight has been linked to several serious, chronic health conditions. Take Control of Your Health . Visit the doctor for annual physicals, keep your blood pressure and blood sugar under control, exercise regularly and eat a balanced diet. If the life insurance quote you receive is higher than what you think you can afford, don’t dismiss it out of hand. Think of the reasons you need life insurance in the first place, to protect and financially support your loved ones if you pass away. Your insurance agent can help you customize coverage, tailoring the type of insurance and the amount of coverage to meet your needs. This may include a combination of term and permanent coverage, rather than simply relying on one or the other. Strategies to find extra wiggle room in your budget may include cutting back on the number of nights you eat out each month. If you’re used to a $60 family dinner at your favorite restaurant every week, just cutting out one night a month and cooking at home could help pay for insurance coverage! Making more cost-conscious purchases at the grocery store and on everyday purchases, brewing your own coffee rather than purchasing it at a coffee shop every day, and making modifications to entertainment expenses can all add up to savings too – savings you can apply toward life insurance protection. So, how much will your life insurance policy cost? As you can see, it is impossible to provide a quote without knowing more information about you. However, the Independent Insurance Agents at Symmetry Financial Group are committed to helping people protect their loved ones with life insurance that meets their needs and their budgets. To get started and to request free life insurance quotes, contact us today.

https://careers.sfgmenefeeagency.com/blog/how-much-does-life-insurance-cost-month/

For your loved ones after you die, death insurance can be a valuable tool in financial planning. It can provide a lump sum payment to your beneficiaries to help them meet expenses such as a mortgage. It can provide financial support as well as help with future expenses like paying down college loans and paying for college. You must be at least 15 years of age and under 70 to apply for this kind of insurance. Read on to learn more about how death insurance Dania Beach Florida can benefit your family. If your family member dies suddenly, a life insurance policy will provide peace of mind. Accident death policies are designed to cover unexpected deaths caused by illness or injury, or accidents during medical treatment. In many cases, accidental death is excluded from the coverage unless the insured was infected with a COVID. Some policies also exclude deaths that are the result of COVID, a common cause of accidental death. Workers compensation coverage may not cover accidents that are the result of COVID. When an accident results in death, accidental death insurance will pay benefits. You will receive a limited amount of benefits depending on the coverage that you have purchased. This coverage can be added to regular life insurance policies. This plan covers certain accidents such as traffic accidents and exposure to dangerous materials. The U.S. and Canada have the highest rate of accidental deaths, which makes it essential to have adequate coverage to protect your family. The AD&D policy limits payments based on certain circumstances. The death benefit will not be paid if the event occurs at the specified time or place. However, premiums will still remain in the insurance companys hands. Although rare, there are exceptions to this general rule. Terrorist attacks, for example, are not covered by insurance, however, the insurer may make exceptions if an insured was a victim of the September 11th terrorist attack. Heart-related issues are leading causes of death in the United States. It is particularly true for older people and those not working in high-risk jobs. Group and employer-sponsored insurance are often incompatible. The coverage may be nontransferable and terminate when the sponsor is removed. Death benefits generally come in one lump sum. Fortunately, this is a common situation, and if you die without a beneficiary, your family will receive the amount based on the terms of the policy. Death benefits are generally paid in lump sums and may be distributed in several ways, including annuities. Annuities are a good option for those who want to provide financial security to their family. Unlike life insurance, annuities are flexible and can be structured for a particular purpose. Moreover, the unpaid money can be kept in safe investments. These policies do not permit portability. The death benefit may be reduced if the purchaser of the policy lies about their health. Accidental death insurance, also known as life insurance, is a type of insurance that provides a lump sum payment to the beneficiaries upon your death. The money may be used for future or mortgage payments, as well as to pay any other expenses your beneficiaries might face. You must be under 70 and at least 15 to apply for this policy. You can have a financial advisor help you determine if this insurance type is for you. Term life insurance typically lasts between 10 and 30 years. If the policy expires early, the beneficiaries dont receive the money. However, you can always renew your policy or purchase a new one. You must be at least 18 years of age to qualify for AD&D coverage. You must be able to pay a premium for this type of insurance. Your premiums may be higher the older you are and if you have any pre-existing conditions. Different types of death can be covered by accidental death insurance. The benefits of this type of insurance depend on your profession, risk exposure, and coverage. Car accidents, fire-related injuries, and falls are all examples of accidents that can qualify for an accidental death benefit. Another type of accidental death insurance covers injuries from a gun accidentally discharged, a form of homicide. This coverage is not necessary if youre under 25. Accidental death insurance, also known as double indemnity coverage, pays benefits on your behalf when you die as a result of an accidental event. These policies are usually an add-on to a life insurance plan. The type of accidents covered by this type of insurance policy are often related to traffic accidents, exposure, falls, or heavy equipment accidents. Accidental deaths rank fifth in both the U.S.A. and Canada. It is crucial to think about how your death benefit will be used when purchasing life insurance. A total death benefit policy is available for the insured persons beneficiary for as long as the policy is in force. Typically, the insurance company pays out the death benefit tax-free, allowing beneficiaries to use the funds as they see fit. In addition, the cash value of a permanent life insurance policy can grow tax-deferred and be used for paying monthly premiums. Another option is AD&D insurance, which pays a death benefit if an accident causes the insured to die or lose a limb. AD&D insurance is designed as a supplement to regular life insurance and is very affordable. In addition to providing additional financial assistance for the surviving family members, AD&D policies can help you pay for unexpected medical costs. These policies are best for people who already have insurance, but dont want to pay more. Dania Beach Crime scene cleanup company is a general term used to describe the process of cleaning up blood, body fluids, and any other potentially harmful materials from a crime scene. Its also known as forensic or biohazard cleanup Dania Beach, since crime scenes tend to be only part of the many hazardous situations where biohazard cleanup is necessary. This includes industrial accidents, criminal incidents and disaster scenes as well as medical accidents.Biohazard cleanup, also known as crime scene cleanup, refers to the process of removing potential poisons and toxins from the environment that could cause serious health problems to anyone who comes in contact with them. Consider a person processing acid to cause an acid burn. If that person happens to come in contact with the contents of a series of vats that contained anthrax powder, the effects could be quite severe. It is more than a hypothetical danger. Recent reports have shown that anthrax attacks are occurring in Florida, Florida, Florida and Florida.In these instances, crime scene cleanup company professionals have to act quickly to contain the problem, remove the threat, protect the public, and clean up the scene. Its important to remember that there are a variety of different types of situations that can call for the use of this type of services. For instance, a flood may have contaminated the scene of a chemical spill, rendering it uninhabitable for days or even weeks. The same can happen if an active fire is raging in a building, causing toxic fumes and fluids to spread throughout the building and potentially poison those who are exposed to it. Our expert crime scene cleaners are perfectly trained & certified to cleanup any kind of traumatic scene. Looking for Crime Cleanup Crew in Florida Hazmat cleaners specialized and trained to clean blood up after crime scenes, suicide, and unattended death scenes We are active 24/7 to help people nationwide to provides the most reliable cleanup services “We got help understanding the crime scene cleanup costs for my dads condo in Chicago that had a suicide murder” “They really go above and beyond, we had a suicide and needed a lot of blood cleaned up from the apartment in Chicago. This was the only biohazard cleaners that took time to speak with us”

https://floridacleanit.com/blogs/does-insurance-cover-biohazard-cleanup-in-dania-beach-florida/