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The British Insurance Brokers’ Association (BIBA) has named Alec Finch as the winner of its 2023 Francis Perkins Award.
Francis Perkins, the first Chair of BIBA, instigated the award to give recognition to members of the Association who give their time and energy to promote the causes of the insurance broking sector.
The judges selected Alec because of his incredible contribution to BIBA and broking through 12 years of longstanding commitment on BIBA’s main Board and Regional Committee. Alec also helped establish and was a member of the initial steering committee of the Insurance Broking Standards Council – later incorporated into BIBA.
Steve White, BIBA CEO, said: “Alec absolutely deserves this recognition. During a career spanning 60 years he was described as a visionary an accolade he lived up to from his twenties when he set up his first business, going on to develop the Worldwide Broker Network and being instrumental in the development of broker standards, now incorporated into BIBA as the Insurance Brokers’ Standards Committee.
“In his time on BIBA’s greater Manchester and West Pennine Committee and our main Board he offered wise counsel and guidance and demonstrated great passion for our sector.
“He is a worthy winner, and the insurance industry has been lucky to have him.”
Notes to editors
- For further information please contact BIBA’s press office
Head of Communications
020 7397 0223
Deputy Head of Communications
020 7397 0224
If you no longer want to receive press releases from BIBA please email the Comms team.
- About the British Insurance Brokers’ Association
The British Insurance Brokers’ Association (BIBA) is the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries and their customers.
BIBA membership includes around 1800 regulated firms, employing more than 100,000 people. General insurance brokers contribute 1% of GDP to the UK economy; they arrange 74% of all general insurance with a premium totalling £85.8bn and 93% of all commercial insurance business. Insurance brokers put their customers’ interests first, providing advice, access to suitable insurance protection and risk management.
BIBA receives hundreds of thousands of enquiries per year to its Find Insurance Services, online and via the telephone, which are directed to insurance broking firms.
BIBA is the voice of the sector advising members, Government, regulators, consumer bodies and other stakeholders on key insurance issues. | https://www.biba.org.uk/press-releases/alec-finch-presented-with-bibas-francis-perkins-award/ | 518 |
Car Collisions and Pet Injuries
Humans are not the only ones that can be injured in car accidents, collisions also put beloved pets in harm’s way. In Tennessee, pet ownership is widespread, and it’s important for drivers to be aware of the potential risks. Knowing the dangers of pet injuries during car travel means animal lovers can take necessary precautions to keep their pets safe while on the road.
After a car crash resulting in a pet injury, you may want to learn more about how to have your veterinary bills covered. Talk to a Nashville personal injury lawyer about the details of your case and how to obtain a full and fair settlement offer.
Pet Restraints and Insurance Claims
Of course, it is better to avoid an accident injury entirely than go through the process of recovering from harm, this is true for humans and pets alike. Many find that utilizing appropriate pet restraints, such as harnesses, crates, or pet car seats, are great tools for preventing pets from roaming freely in the vehicle. These restaurants serve two purposes, they protect the animals in the event of a collision and they also reduce distractions for the driver.
If a collision involved pets, restrained animals or not, the type of insurance compensation that could be in reach will depend on the details of the policies. One or all of the following compensation options could be explored
- Liability coverage. When a Tennessee driver is deemed at fault for the collision and has liability coverage, their coverage may extend to compensation for pet injuries as pets are legally considered property of their human owners, so pet harm expenses would typically fall under property damage coverage.
- Medical payments coverage. Each insurance policy has its own specific details to assess, but some policies that include medical payment coverage could potentially cover veterinary expenses, regardless of fault. To explore the extent of the coverage, have a legal professional review the policy.
- Pet insurance. If the owner of the pet has invested in pet insurance, certain pet insurance policies do cover injuries sustained during car accidents and other unexpected events. Reviewing the policy is the best way to determine the coverage available.
Whatever insurance coverage applies to your situation, documenting all expenses, including veterinary visits and other pet care fees, is essential to building a strong insurance claim.
Talk to a Lawyer Who Has Experience with Pet Injury Claims
If your pet has sustained significant injuries in a coalition, consult with a Nashville personal injury lawyer who has assisted past clients in securing damage recovery for pet injury expenses. A legal professional can guide you through the process and determine the best course of action.
Has one of your pets been injured in a Tennessee car collision? Seek legal advice from the attorneys at Calhoun Law, PLC. Our lawyers can help you navigate the complex insurance landscape following a collision. Working with a lawyer protects the rights and well-being of human car operators and their family pets. Contact us today and schedule a free consultation. | https://www.calhounlawtn.com/car-collisions-and-pet-injuries/ | 591 |
Leveraging Fraud Detection to Enable Straight-through Claims Processing
Apr 1, 2021
Let’s be honest. In today’s insurance industry, the concept of straight-through processing is nothing new. With the digitalization of processes skyrocketing, processing policy applications or claims as fast as possible is key in providing excellent customer service. According to a study by Insurance Hub, insurers that deliver on customer expectations through a simple and seamless claims experience build trust and loyalty. In order to enable this swift customer experience, there are many dependencies. One necessary capability is automated, real-time fraud detection. Low-risk claims can be put on a fast track in order to provide sincere customers with a moment of magic at times when it matters most. On the other hand, risky claims will be automatically flagged for further investigation. Enabling straight through processing is a great achievement that benefits honest customers but providing these capabilities should not come at the cost of processing fraudulent claims. An automated fraud detection solution, when leveraging both AI and expert rules, can increase straight through processing capabilities by 20-30%.
A real life example
One of the most successful FRISS insurance customers estimates that 97% of their customers are sincere. They strongly believe that these customers deserve better than the arduous, antiquated process of claims fraud detection. This customer focused approach is why they deployed their strategic P&C anti-fraud initiative. One of the driving engines in this initiative is FRISS Fraud Detection at Claims. The FRISS Claims solution helps the carrier to realize future-proof growth and improved customer experience through digital transformation. Besides stopping fraudulent claims before they are paid, which results in a bottom line financial impact of $21 million, an important feature is the ability to leverage the benefits of claims segmentation. Sincere claims are processed via a fast track, with little or no human intervention. This is possible because the anti-fraud solution is seamlessly integrated with their core insurance systems, ensuring instant adoption with the insurers’ claim adjusters daily tasks. This insurer realized a number of tangible benefits:
Out of the 70,000 CASCO claims, 20% are fast tracked
Saving $2.5million a year by avoiding manual checks of legitimate claims
Customer experience and satisfaction are greatly increased
According to analyst firm Celent, this insurer made a great technology partnership decision by working with a vendor who offers proven specialized solutions. FRISS leverages a combination of expert rules Network Analytics, Text Mining and AI to enable the ideal customer journey.
Digital claims transformations for great customer care
Customer service is more important than ever. As stated by McKinsey research, success depends on the ability to deeply enable a digital way of working. This is also an important pillar in the success of the above example. Utilizing FRISS’ solutions, carriers managed to realize a true fraud-fighting culture with cross-border cooperation and knowledge exchange. By ensuring a holistic view of each incoming claim, scored in real-time, customers who deserve special attention and care, especially in difficult times, feel the benefits. | https://www.friss.com/blog/leveraging-fraud-detection-to-safely-enable-straight-through-claims-processing | 623 |
At Frank Winston Crum Insurance, we leverage the skills of talented individuals to constantly innovate and challenge the status quo. We translate our passion into the best insurance experience for those we serve.
Frank Winston Crum Insurance was founded in 2003 as a commercial insurance carrier, although its origins date back even further.
With a passion for helping small business owners succeed, Frank W. Crum, Jr. and his father, Frank Crum, Sr., opened the Great American Temporary Service in 1981. Since then, the company has expanded and evolved into what is now known as the FrankCrum family of companies: FrankCrum PEO (a professional employer organization), FrankCrum Staffing, and Frank Winston Crum Insurance. Haley and Matt Crum, Frank's children, joined the organization, and together the Crum family provides vision and leadership across all brands.
Since its founding, FWCI has grown from a single-state carrier to one licensed in most states. It's added product lines and value-added services, and through a carefully selected agent network, expanded into markets across the US.
Today, FWCI partners with agents to offer reliable and affordable workers' compensation and general liability insurance to small and mid-sized businesses with planned expansion into new markets and product lines.
1981: The FrankCrum enterprise was founded with the opening of its first business: The Great American Temporary Service (later known as FrankCrum Staffing)
1986: Frank W. Crum, Jr., a pioneer in the PEO industry, established Ameristaff (later known as FrankCrum)
2003: Frank Winston Crum Insurance was added to the family of solutions as a workers' compensation insurance carrier
2009: The FrankCrum enterprise was awarded Top Workplace honors by Tampa Bay Times for the first time
2013: Matt Crum was named president of Frank Winston Crum Insurance
2013: Frank Winston Crum Insurance launched a new product: general liability insurance
2020: Haley and Matt Crum officially became co-presidents of FrankCrum, with Frank Crum, Jr. remaining CEO
2020: Frank Winston Crum Insurance was ranked among Best Places to Work in Insurance for the first time; a tradition that continues
2021: The FrankCrum family of companies celebrated its 40th anniversary and maintained Top Workplace recognition by the Tampa Bay Times for the 12th consecutive year
2023: Frank Winston Crum Insurance celebrated its 20th anniversary
We aim to be the best at what we do.
Instead of striving to be the biggest carrier, we aim to be the best in our chosen specialties. For our agents, that means making it easy for them to do business with us. For our policyholders, that means providing quality protection and top-notch service at a fair price.
We keep our financial promises.
We prioritize long-term stability over short-term gains so that we are always prepared to keep the financial promises we make.
We do the right things for the right reasons.
As a privately held company, we make independent business decisions based on integrity, without the undue burden of shareholder pressure. | https://www.fwcruminsurance.com/our-company/about-us | 639 |
The fireplace is one of the most important things to consider when designing a living room. It can become an eye-catching focal piece that adds style and function to any Nashua, NH home. Whether you’re building or renovating your living room, here are some recommendations for making your fireplace the focal point.
Consider the Size and Shape of Your Living Room
Determine what type of fireplace will best match the room and how much heat it can provide by measuring the area. If your living room is small, a corner or wall-mounted unit may be the most space-efficient option.
Alternatively, if you have a bigger living area, an insert or freestanding stove may be more efficient at providing warmth.
Select the Type of Fireplace That Will Fit the Space
Once you have chosen the size and shape of your living room, you may select the style of fireplace that will match the space best. Depending on your needs and budget, you have a variety of options to select from, including electric fireplaces, gas fireplaces, wood-burning stoves, and pellet stoves. Consider factors such as usability, safety, and energy efficiency while choosing.
Decide on the Best Location for the Fireplace
After determining the sort of fireplace that would complement your living area, it is time to select the best position. Allow sufficient room around the fireplace for airflow and safety. Position the fireplace so that everyone can appreciate its warmth and beauty.
Choose the Right Accessories to Complement the Fireplace
Select items like hearth rugs, mantel shelves and tool sets that are practical and will look great. Consider adding decorative touches such as candles, vases or artwork that will help enhance the beauty of your fireplace.
Incorporate the Fireplace Into Your Living Room Décor
It is now time to incorporate the fireplace and its furnishings into the living room’s design. Begin by selecting colors, materials, and textures that compliment the fireplace’s aesthetic. Add seating such as a couch or chairs in front of the fireplace to create an attractive environment for family gatherings and relaxing evenings.
Install Fire Safety Features
For added safety, install the right fire safety features in your living room. Invest in a carbon monoxide detector and ensure that all chimneys and vents are cleaned regularly. If you have small children or pets, install fireplace screens or glass doors for additional protection.
Benefits of Having a Fireplace in Your Living Room
There are many benefits to having a fireplace in your living room, such as creating a cozy atmosphere for family gatherings, increasing the value of your Nashua, NH, home and becoming an inviting gathering point for friends and family. With careful planning and thoughtful décor choices, you can easily make your fireplace the star of any space!
Call GM Roth Design Remodeling in Nashua, NH, today if you need help designing or remodeling your living room with a new fireplace. We are experts in home design and construction. We can help homeowners in North Andover, Andover, Chelmsford, Nashua and surrounding areas with kitchen and bathroom remodeling, aside from additions to your rooms. We would be happy to assist you with all your needs. Contact us today at (603) 880-3761 to get started. | https://www.gmroth.com/home-remodeling/how-to-make-your-fireplace-the-star-of-your-living-room/ | 673 |
Episode 2: US approach to cybersecurity
Increasing cyberattack threats call for a coordinated and enhanced response. This podcast focuses on cybersecurity best practices, especially in the US, and emphasizes the need for a national cybersecurity strategy. It highlights the strategies organizations can adopt to protect themselves from the threats without affecting their growth or innovation ambitions.
To find out more about this topic and more, check out the HCLTech Trends and Insights page.
Episode 1: Quantum Insights: Navigating Tomorrow's Tech Landscape
Exploring the future with HCLTech's Enterprise Technology Office podcast
Episode 10: Democratizing AI for Effective Business Transformation
In this episode of the HCLTech - Microsoft Ecosystem Elevate Podcast, host Andy Packham, Senior Vice President and Chief Architect for the Microsoft Ecosystem
Podcast 35: Transforming ITOps with Hyperautomation Intelligence
The IT landscape is becoming increasingly complex and so has that optimizing operations, identifying inefficiencies and bottlenecks. Then what’s the way forward? How can enterprises empower IT teams
HCLTech and Cohesity Supercharging Cyber Resilience Together
Enhance cyber resilience with HCLTech VaultNXT, a joint offering powered by Cohesity. This solution empowers enterprises to transition from disjointed threat prevention approaches to a holistic cyber
Episode 3: Asset and product maintenance and its role in driving more sustainabl
In the third episode of our podcast series, Graham Saunders, SAP Global Offerings Lead, and Colin Breakwell, Global SAP Product Development Lead, HCLTech explore the business impacts of new consumer
Cyber crisis: Out of the Shadow
With cyber threats looming in the shadow of cyberspace, achieving readiness with the right tools, frameworks, and action plans is the key to bulletproofing your enterprise. Formulate your cyber crisis | https://www.hcltech.com/podcasts/episode-2-us-approach-cybersecurity | 376 |
Fires and Assumption of Risk: Legal Defenses
Fires can cause significant damage to properties and pose risks to individuals. When fires occur, determining liability and responsibility becomes crucial. In legal disputes related to fires, the defense of assumption of risk can play a vital role. This blog explores the concept of assumption of risk as a legal defense in fire-related cases.
Before delving into the legal defenses, it's essential to understand the basics of fires and liability. Fires can occur due to various reasons, including accidents, negligence, electrical faults, or natural disasters. When a fire breaks out, there may be parties who can be held responsible for the damages and injuries caused. These parties can include property owners, tenants, contractors, manufacturers, and others involved in the maintenance or operation of the premises.
Assumption of risk is a legal defense that can be used by defendants in fire-related cases. It asserts that the plaintiff voluntarily accepted and understood the risks involved in a particular activity or situation, releasing the defendant from liability. In the context of fires, assumption of risk argues that the plaintiff knowingly exposed themselves to the risk of fire and should bear some or all responsibility for the resulting damages.
Several factors can influence the application of assumption of risk in fire-related cases. These factors include:
In fire-related cases, the defense of comparative negligence may also come into play. Comparative negligence is a legal principle that assigns a degree of fault to both the plaintiff and the defendant based on their respective contributions to the incident. If the plaintiff is found to be partially at fault for the fire, their recovery of damages may be reduced proportionally.
Contributory negligence is another defense strategy that can be used in fire-related cases. Unlike comparative negligence, contributory negligence follows a stricter approach. If the plaintiff is found to have contributed to the fire in any way, even to a minimal extent, they may be barred from recovering any damages.
In some jurisdictions, statutory assumptions of risk laws may exist. These laws establish a framework for the assumption of risk defense in specific circumstances. For example, certain professions or industries may have regulations that outline the assumption of risk for employees or participants.
To successfully assert the assumption of risk as a defense, the defendant must provide evidence to support their claim. This evidence may include:
While the assumption of risk can be a powerful defense, it does have limitations and exceptions. Some jurisdictions may limit the application of this defense in cases involving severe harm or intentional misconduct by the defendant. Additionally, certain activities or conditions may be deemed too inherently dangerous for the assumption of risk to apply.
To better understand how the assumption of risk operates in fire-related cases, here are a few hypothetical examples:
To minimize fire-related risks, it is crucial to implement preventive measures. These can include:
Assumption of risk is a legal defense that can be used in fire-related cases. It asserts that the plaintiff voluntarily assumed the risks associated with a fire incident and should bear some or all responsibility. However, the application of the assumption of risk can vary based on jurisdiction, the extent of the plaintiff's knowledge, and other factors. To effectively navigate such cases, consultation with legal professionals is essential.
Here at Mendez and Sanchez Law, you will only find the best. Our legal team is committed to advocating for their rights and pursuing justice on your behalf. Please contact us if you have been injured by the negligence of others or need other legal advice. Don’t hesitate to contact us today.
Assumption of risk can reduce or absolve a defendant's liability depending on the circumstances. However, the extent of reduction or absolution varies based on jurisdiction and the specific details of the case.
Comparative negligence assigns fault proportionally based on the plaintiff's and defendant's contributions to an incident. Contributory negligence, on the other hand, may completely bar the plaintiff from recovering damages if they are found to have contributed to the incident, regardless of the degree.
Some jurisdictions have exceptions to the assumption of risk defense, especially in cases involving severe harm or intentional misconduct by the defendant. Additionally, certain activities or conditions may be considered too inherently dangerous for the assumption of risk to apply.
Regular inspections, maintenance of electrical systems, installation of fire alarms, sprinkler systems, and fire extinguishers, as well as providing training on fire safety and evacuation procedures, can help mitigate fire-related risks.
If you require legal advice in fire-related cases, it is recommended to consult with an experienced attorney specializing in personal injury or property law. | https://www.mendezsanchezlaw.com/post/fires-and-assumption-of-risk-legal-defenses | 927 |
A 4 a.m. roof fire closed four businesses in the Stratton Center on Monday.
East Fork firefighters and Douglas County deputies responded to the fire at 1540 Main St.
“On arrival firefighters found fire from the roof and heavy smoke coming from the attic space,” Battalion Chief John Brawley said on Tuesday. “Firefighters initiated an interior attack through two of the businesses and were able to contain the fire to the attic space above.”
Four businesses in the building were affected, two due to the damage in the attic space above the businesses, and two from smoke damage, Brawley said.
Among the businesses affected were Big Blue Spa, Douglas County Jiu-Jitsu and The Boutique.
The owner of Boutique said her shop suffered extensive smoke damage in the fire.
Four engines from East Fork Fire responded to the fire, along with a truck, three ambulances, three chief officers, and a support company staffed by volunteer firefighters. Mutual aid to the fire was provided by Carson Fire Department and Tahoe Douglas Fire Department, and Truckee Meadows Fire District provided district coverage. Approximately 30 firefighters ended up working on the incident.
The cause of the fire is under investigation.
It was the second fire East Fork responded to in under 12 hours after a wildfire near Foothill Road and Autumn Hills that occurred around 4:30 p.m. Sunday. | https://www.recordcourier.com/news/2023/may/10/stratton-center-fire-closes-four-businesses/ | 288 |
Just got hitched? You might be wondering whether switching to a couples private health policy is right for you. Well, the good news is, there’s no hard and fast rule that says married couples have to switch to a joint private health insurance policy. Ultimately, the decision is up to you and your spouse, and it will depend on your specific situation.
One of the advantages of opting for a couples private health policy is that it can potentially lower the overall cost of your private health insurance premium compared to having two separate single policies.
Here are some benefits of couples’ private health insurance to consider:
- Lower overall cost: Couples policies may come with lower premiums compared to two individual policies. More convenient, as you’ll only have one policy to pay, and managing just one account will definitely simplify things.
- Flexibility: Some private health insurers offer the flexibility to choose a policy with a combined annual limit. This allows each partner to select the extras services that suit their individual needs. For example, one partner could choose to spend more on optical while the other opts to spend more on dental care.
- Enhanced coverage for family planning: Couples private health policies tailored towards individuals in their 20s and 30s typically offer more comprehensive coverage for family planning needs such as fertility treatments and pregnancy services.
It’s important to remember that your private health cover needs may change over time due to various factors like getting married, a long-term relationship, starting a family, health conditions, or changes in your lifestyle or life stage. These factors can greatly influence your private health insurance requirements.
For example, if you’re at the stage of planning a family, comparing private health insurance options becomes really important. There are numerous options available when it comes to pregnancy and starting a family. It’s worth noting that pregnancy, birthing, and reproductive services like IVF typically fall under top-tier Gold hospital cover. Some private health insurers may also offer specific Silver Plus policies tailored for couples looking to start a family.
It’s important to keep in mind the waiting periods that come with obstetric services such as pregnancy, birthing, and IVF; they usually have 12-month waiting periods. So, if you want to take advantage of the benefits offered by top-tier cover, it’s essential to take out a policy well ahead of time before you start to try for a baby.
Does couples’ private health cover provide double access to extras treatments?
The answer is no. Usually, when it comes to an extras policy, claim limits still apply per person but some private health providers allow couples to combine their extras annual limits. It’s worth checking with your private health fund if they offer this option.
Before deciding on a joint private health policy once married, it’s important to ask yourselves these five questions:
What kind of coverage do we need?
1. Even though you’re now married, it’s a good idea to consider your individual health needs and the level of coverage that suits you both best. Take a look at options such as Gold, Silver, Bronze, or Basic levels of hospital cover, ambulance cover, extras cover, or a combined hospital and extras policy.
What are your partner’s requirements?
2. It’s essential to understand your partner’s health needs as well. Do their requirements align with yours, or would both of you benefit from different types of coverage?
Will your health needs change in the future?
3. Keep in mind that all hospital policies have waiting periods of up to 12 months, and some extras policies may have even longer waiting periods. Consider this if you anticipate changes in your or your partner’s health needs.
Are either of you subject to LHC loading?
4. If either of you obtained a hospital policy after your 31st birthday and on or after July 1, you’ll need to pay the government’s LHC loading in addition to your hospital policy premiums. This loading fee increases by two percent for each year you didn’t have hospital cover. For a couples hospital policy, the applicable LHC loading will be averaged out between the two of you and added to your premiums.
Are either of you eligible for the age-based discount?
5. The age-based discount offers premium discounts on certain hospital policies if you take out health insurance before turning 29. On a couples policy, the discount is averaged between both individuals. So, if you qualify for a 10% age-based discount on a singles policy but your partner doesn’t, a couples policy would receive a 5% discount, averaged between the two of you.
As you build a future together, making sure your private health cover aligns with your new life stage and individual needs will give you peace of mind. Find the policy that’s right for you and get the most out of your coverage today by comparing private health plans. | https://health.compare/tag/private-health-cover/ | 1,027 |
A Framework for Defining a Role for Insurers in “Uninsurable” Risks: Insights from COVID-19
Howard Kunreuther and I recently collaborated to develop a decision-making framework for evaluating strategies for dealing with the impacts of risks traditionally considered uninsurable — such as COVID-19.
While many have viewed insurability as a binary choice with respect to a risk (i.e., insurable or uninsurable), insurability is more appropriately considered on a continuum, ranging from easy-to-insure, such as automobile or life insurance, to difficult-to-insure, such as pandemic, loss of the electrical grid, and other extreme catastrophic risks.
As explained in this article, insurance should be part of a risk management strategy to support businesses, non-profits, and local governments to address the risks they face — even if those risks are difficult to insure by traditional measures. The insurance industry can play an important role either through the continued development of ad hoc state-by-state initiatives, a private-public partnership in which the insurance industry commits its servicing capabilities, or a private-public partnership drawing on both its servicing and risk-bearing capabilities. The recent pandemic offers an opportunity to examine the role of insurance in providing protection and reducing losses from other catastrophic and systemic risks facing society today. | https://jason-schupp.medium.com/a-framework-for-defining-a-role-for-insurers-in-uninsurable-risks-insights-from-covid-19-67c0ec2d8c07?source=user_profile---------8---------------------------- | 276 |
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Affordable Care Act
Affordable Care Act (ACA) is an extensive healthcare reform sometimes referred to as Obamacare. As per ACA, individual medical insurance plans must cover ten Essential Health Benefits in order to be recognized as a Qualified Health Plan (QHP)and provide “minimum essential coverage (MEC)” to enrollees. To find more information on QHP options in your state, visit www.HealthCare.gov. Premium tax credits are subject to eligibility requirements.
Short Term Medical (STM)
Comprehensive medical coverage is not provided by STM Insurance plans. STM doesn’t fall under the minimum essential coverage as defined by the ACA and may not cover all Essential Health Benefits. Plans typically don’t cover preexisting conditions and may have financial limitations on health benefits.
Fixed Indemnity/Limited Indemnity Plans
Indemnity Plans are complementary to health insurance plans, not a replacement for insurance or a substitute for the minimum essential coverage required by the ACA. If you are eligible for Medicaid, check if these payments affect your coverage and eligibility.
Who is openenrollment.healthcare | https://openenrollment.healthcare/ | 571 |
SB Order 1/2023 – Quick Settlement of Claim Case
SB Order 1/2023 – Department of Posts issued SB Order 1/2023 regarding Quick Settlement of Claim Cases
|Department of Posts (Financial Services Division)
|SB Order 1/2023 – Quick Settlement of Claim Case
Assistant Director (SB-II)
SB Order 1/2023
This is with reference to SB Order No. 31/2020 dated 28/08/2020, Addendum to SB Order No. 31/2020 dated 16/09/2020 and 36/2020 dated 06/11/2020 in which revised procedure and timeline for settlement of deceased claim cases were circulated. Further, instructions on speedy settlement of deceased claim cases were issued vide this office even letter no. dated 26.07.2022.
2. It has been observed that many post offices are not following prescribed procedures and timeline for settlement of deceased claim cases. The common irregularities noticed are mentioned below:
- Although issuance of a separate sanction memo by the Head Post Offices/Sub Post Offices (operative offices) has been discontinued w.e.f. 01.01.2011 vide SB Order No. 25/2010 dated 25.12.2010, still a separate sanction memo is being issued at the post office level (HO/SO).
- Sending sanction memo to claimant through Registered post by the Head Post Offices/Sub Post Offices.
- Verification of claim cases through PRI (P)/SDI (P).
- Abnormal delay in settlement of deceased claim cases.
3. It is emphasized that the procedures prescribed in SB Order No. 31/2020 and 36/2020 have to be re-iterated to the field units. Post offices shall have to ensure settlement of deceased claim cases within the timeline prescribed. Further, Head Post Offices/Sub Post Offices should be sensitized to adhere the following guidelines for timely settlement of deceased claim cases:
(a) At the time of receipt of deceased claim case/ KYC documents, the KYC document(s) of claimant shall be verified with the original KYC documents.
(b) If signature of witnesses is available on copy of the KYC documents, physical presence of witnesses is not required.
(c) The claimant(s) should be sensitized to provide his/her Bank Account/PO Savings Account detail at the time of submission of decease claim case for transfer of payment and obtain Account Detail/signature on acquittance portion, so that nominee(s)/claimant(s) need not visit post office again to get the
payment through cheque.
(d) No separate sanction memo is to be issued by Sub Post Office/Head Post Office for settlement of deceased claim cases. SPM/PM shall sanction the claim on the second part of Form-11 which is prescribed as ‘For Office Use Only’.
(e) Once a deceased claim case is received with complete documents, further verification through PRI (P)/SDI (P) is not required.
(f) All post offices shall ensure settlement of deceased claim cases as per prescribed timeline/norms i.e. one working day where nomination exists and seven working days in other cases.
This issues with the approval of the competent authority. | https://postalblogs.com/sb-order-1-2023-quick-settlement-of-claim-case | 675 |
The cost of car insurance can vary for a variety of reasons. An insurance company will review your policy when it's time to renew and may increase the rate based on your driving habits, if you had to file a claim, or an external factor such as an increase in local crime. So why are the prices of these different coverages so high? The reason is that the insurance company is essentially betting on the odds that you won't have an accident. With decades of experience, they have collected vast amounts of data and statistics on various accidents, allowing them to accurately estimate the risks associated with any given situation and adjust their prices accordingly.
Metromile is an example of a company that focuses on reducing insurance premiums for drivers with low mileage, offering pay-per-mile policies. If you also purchase life insurance, renters insurance, homeowners insurance, or any other type of coverage, you can usually take advantage of package discounts by signing multiple policies with the same insurance agency. Insurance providers offer rewards to policyholders for being a good student, taking safe driving courses, insuring multiple vehicles, and more. The increasing cost of car insurance is due to a number of factors.
These include your driving history, age, location, vehicle type, and credit score. Additionally, claims are expected to return to pre-pandemic levels this year, which means more expensive claims for insurers. Maintenance, repairs, and the ever-increasing cost of gasoline make owning a vehicle a potentially costly endeavor. Insurance companies evaluate vehicle theft and car accident rates in your zip code to determine if you're at greater risk of filing an insurance claim.
Other factors include the type of coverage you need, if there has been a gap in your insurance history, and if you qualify for discounts from that particular insurance company. Unfortunately, age is a good indicator of the average cost of car insurance as is your driving history. If nature causes damage to your car or if it is stolen, comprehensive coverage guarantees compensation. These systems help while driving or parking and use sensors and cameras that can be difficult and costly to repair.
When you add uninsured and underinsured coverage to the top, you're setting a high premium. | https://www.getbudgetinsurance.co.za/why-is-car-insurance-so-expensive-right-now | 439 |
The crackle of a real fire is easier than ever to add to your home. With plenty of options for fireplaces and fireplace inserts, homeowners can find fixtures that fit their budget, style preferences, and available fuel type. Yet it’s important to understand the difference between these two types of fixtures before shopping for something new to warm up your living room or den. While they’re similar, inserts are quite different from traditional fireplaces in many ways. Explore the pros and cons of both types of fire features to make sure you’re choosing the right one for your home.
Traditional fireplaces are still built today from pre-formed firebrick cores and stylish front pieces complete with tile or stone veneers. However, other fireplaces are also available. Some models are freestanding or entirely enclosed, providing a slightly more efficient heat transfer into the room. While it’s traditional for a built-in fireplace to use solid wood as a fuel, there are also designs available to heat with electricity, gas, ethanol, wood pellets, or even coal instead. Modern fireplaces can be built more quickly and with a lower total weight than old-fashioned flagstone hearth models, reducing the need for structural changes to compensate for their installation.
-Warm, radiant heat
-Emergency source of heating if the power goes out
-May raise the value of home
-Inspected and approved models meet home insurance requirements
-May raise home insurance rates
-Contributes a greater fire risk than an enclosed fire insert
-Requires a bigger and more expensive chimney
-Makes more of a mess than a self-contained insert
-Requires a larger hearth area and a bigger footprint in general.
Fireplace inserts are contained heating units generally designed to fit inside existing fireplaces. However, you can also install them with a brand new hearth and mantel and avoid the need for installing a fireplace first. They’re often easier to get approved than traditional open fireplaces or wood-burning stoves in areas that have restrictions on air pollution, especially if you choose a gas model. Fireplace inserts can mimic the look of an enclosed fireplace but tend to be less expensive to install due to their all-in-one design. Much like other modern fireplaces, these inserts can run on practically any fuel. Even wood-burning inserts are available for classic crackling flames visible through a clear glass cover. Electric and gas fireplace inserts are common, as are inserts that rely on fuel cells or ethanol to produce a real flame without much fuss. These inserts can be installed with a traditional hearth and surround appearance to mimic a fireplace or given a more modern treatment.
If you’re interested in a secondary or emergency source of heat, a fireplace insert is generally the best option due to the increased efficiency when compared to an open fireplace. The numbers vary depending on the study, but average results show a fireplace radiates only about 15% of heat back into the room. A well-designed fireplace insert can provide 70% or more of the heat to the room rather than letting it just escape up the chimney. Enclosed and freestanding fireplaces can radiate more heat into the room than open designs, but they still can’t beat the efficiency of enclosed inserts. Inserts with built-in fans and ventilation systems provide the most heat. If you want an emergency heating source, make sure the insert can still operate with the power out.
Both fireplaces and inserts offer a full range of fuel options today. Gas inserts function similarly to gas logs for traditional fireplaces. You get the look of real flames flickering without the mess or cost of firewood. Electric fireplaces and inserts are a good choice if there’s no option for ventilation since they don’t produce any fumes or gases. If you want to burn real hardwood logs, you may need a masonry fireplace to support an insert rather than getting the simplified installation offered by other fuel types. Make sure to compare the installation requirements of different insert options before assuming they’re all equal in cost.
Traditional fireplaces need large, open chimney designs to keep air flowing smoothly up and out of the home. Since most fireplace inserts feature an active ventilation or blower system, they can rely on smaller vent pipes instead while still sending fumes and gases away from your indoor air supply. Reduced chimney installation requirements can make it possible to fit an insert in where a full fireplace may not work well. It also reduces the overall costs of adding the fixture to the home in most cases.
Fireplace inserts are generally considered safer for home use than fireplaces, especially compared to open designs with large hearths. Families with children or pets are often concerned that popping sparks or rolling logs can lead to injuries. It’s a genuine concern that can only be reduced and not entirely mitigated by the use of enclosed designs and fireplace screens. Inserts tend to feature sealed designs that greatly reduce these safety risks. Wood-burning models also produce less creosote due to the increased efficiency of the burn chamber, cutting down on the risk of chimney fires. There’s relatively little direct risk for burns from a fireplace insert, even on a model with a door that opens, compared to with an open fireplace.
Fireplaces tend to run to the more traditional side of the style spectrum. However, you can easily find modern designs as well if you look outside the usual limited selection from standard retailers. Fireplace inserts tend to run to the more modern side in design instead. Yet there are still plenty of traditional options too. Most fireplace inserts work with any surround, hearth, and lintel you prefer. This allows you to customize the finished look without having to go with a traditional fireplace installation.
In the competition for low maintenance, fireplace inserts come out on top regardless of the fuel used. Wood-burning inserts need less cleaning and care than their fireplace counterparts, and the rule remains true for gas, electric, and pellet-fueled models as well. The chimneys in particular that connect to full-sized traditional fireplaces tend to need a lot of cleaning and routine repairs. Without prompt cleaning and crack sealing, fire risk rises and gases can escape into the home. Choosing an insert will save you money for years to come by reducing the need for professional maintenance and repairs without compromising on safety.
If you want to change the fixture in the future, choosing a fireplace now will allow you to put in an insert later. However, inserts are also easily swapped out for different models. There’s no real reason to choose one over the other when it comes to future renovations. Fireplace inserts tend to last longer without needing major repairs to stay safe to operate, so consider avoiding a traditional fireplace if you’re concerned about home repair expenses over the next few decades.
Choose your favorite wood-burning or gas log fixture based on a balanced comparison of the pros and cons. Fireplace inserts are more flexible and provide better performance for most people, but you may still want a traditional fireplace install instead. | https://www.midtownsweeps.com/fireplaces-vs-fireplace-inserts-whats-the-difference/ | 1,448 |
Here at RGW Cumbria we offer Boiler Installation, Boiler Repair and boiler Servicing throughout Cumbria including Maryport, Workington, Whitehaven, Cockermouth Keswick and the Lake District.
RGW Cumbria are boilers experts within Cumbria. Repairing boilers in Maryport, Workington, Whitehaven, Cockermouth and throughout West Cumbria. With over 20 years experience in repairing & installing central heating systems throughout West Cumbria. We work with all major brands & manufacturers including Baxi and Worcester. All of our engineers are appropriately qualified and Gas Safe Registered. They can work on all types of oil, electric and gas, regular boilers, system and combi boilers. We are also trained and qualified for commercial systems and boilers. We take great pride in our work, so if your Boiler Repair requirements are big or small, be assured you are getting a professional service at the best value.
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If you don’t have access to a natural gas network RGW Cumbria can manage the installation for an onsite LPG supply, including concrete base, tank, fuel line to your appliance and certification. You can rest assured that any work will be installed by a highly skilled and qualified member of the RGW team, and that products are of the highest standard.
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Insurance vietnamtimes is an essential part of a financial plan, helping you protect your financial stability and savings in case of unexpected events. Vietnam Times is one of the most reliable and affordable insurance providers in the country, offering a wide range of products to help you protect yourself, your family, and your assets. In this article, we’ll take a look at why you should invest in Insurance Vietnamtimes today.
What Is Insurance Vietnamtimes?
Insurance Vietnamtimes is a leading provider of insurance products and services in Vietnam. The company was founded in 2006 and is now one of the largest insurance companies in the country. The company offers a wide range of insurance products, including life insurance, health insurance, property and casualty insurance, and more. Insurance Vietnamtimes also provides services such as financial planning, retirement planning, and risk management.
Benefits of Insurance Vietnamtimes
There are many reasons why you should invest in Insurance Vietnamtimes, including:
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Insurance Vietnamtimes offers high-quality products and services at competitive prices. The company has an experienced team of professionals who are dedicated to helping customers find the right coverage for their needs. The company also provides personalized advice to help customers make informed decisions about their insurance needs.
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Insurance Vietnamtimes offers competitive prices for a variety of insurance products and services. The company also offers discounts for customers who purchase multiple policies, making it even more affordable.
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Insurance Vietnamtimes offers comprehensive coverage for a variety of risks, including property damage, medical costs, and legal costs. The company also offers coverage for special events, such as weddings and funerals.
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Insurance Vietnamtimes is a reliable and affordable insurance provider in Vietnam. The company offers high-quality products and services at competitive prices, and they provide comprehensive coverage for a variety of risks. Insurance Vietnamtimes also has an easy-to-use claim process and excellent customer service. Investing in Insurance Vietnamtimes is a great way to protect yourself, your family, and your assets. | https://artistryblog.com/insurance-vietnamtimes/ | 516 |
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Aircraft are long-life, high-cost assets that can be a major investment for an individual or business owner. A key part of aircraft ownership is understanding depreciation, which affects the value of the aircraft over time. Calculating your aircraft depreciation can be essential in determining your personal net worth or your business’s finances.
What Is Depreciation?
The accounting method known as depreciation is utilized to allocate a tangible asset’s cost over the course of the asset’s useful life. Depreciation is a way to account for the gradual wear and tear, obsolescence, and loss of value of an asset over time. Depreciation can be calculated in a number of ways, but one of the most common methods is straight-line depreciation. This method involves dividing the cost of an asset by the expected useful life to determine the annual depreciation expense.
For instance, if a company purchases a machine for $10,000 with an expected useful life of five years, you would divide $10,000 by five years. The end result would thus be $2,000 for the annual depreciation expense. This expense is recognized on the company’s income statement each year until the end of the asset’s useful life. Depreciation is important because it helps a company accurately reflect the value of its assets on balance sheets and properly calculate its net income on income statements.
Why Is Depreciation Used?
Depreciation is used for several reasons:
- To calculate taxable income: One use for depreciation is for tax purposes. Companies and individuals may be allowed to deduct the cost of an asset over its useful life for tax purposes, which reduces their taxable income and lowers their tax bill.
- To comply with accounting rules: Generally Accepted Accounting Principles (GAAP) and International Financial Reporting Standards (IFRS) require companies to use depreciation to account for the wear and tear and obsolescence of assets over time.
- To match expenses with revenues: Depreciation allows a company to allocate the cost of an asset over its useful life. This helps to match the expenses of using the asset with the revenues generated by its use. For example, if a company purchases a machine to manufacture a product that it expects to sell over a five-year period, it would be inaccurate to expense the entire cost of the machine in the year of purchase. Instead, the cost is allocated over the five-year period using depreciation.
- To provide a more accurate financial picture: Depreciation helps to provide a more accurate financial picture of a company by reflecting the decrease in value of the assets over time. This is important for investors, creditors, and other stakeholders who want to understand the company’s financial position and performance.
Understanding Aircraft Depreciation
To help you understand aircraft depreciation, we cover what aircraft depreciation is and its purpose in accounting.
What Is Aircraft Depreciation?
Aircraft depreciation is a specific type of depreciation used to allocate the cost of an aircraft over its useful life. Depreciation is an important expense for airlines and owners of private aircraft that own or lease aircraft because it reflects the decrease in value of the aircraft over time due to wear and tear, obsolescence, and changes in market demand.
Several factors can impact the useful life of an aircraft and the rate at which it depreciates, including:
- Market demand: Changes in market demand for certain types of aircraft or routes can impact the value of an aircraft and its depreciation expense. For example, an aircraft that is in high demand for long-haul international routes may have a longer useful life and lower depreciation expense than an aircraft that is primarily used for short-haul domestic routes.
- Age and condition: As an aircraft gets older and accumulates more hours of use, it is more likely to require maintenance, repairs, and upgrades. This can decrease its value and increase its depreciation expense.
- Technology advancements: Advancements in aviation technology can quickly make older aircraft obsolete, reducing their value and increasing their depreciation expense.
Aircraft depreciation is typically calculated using a straight-line depreciation method, which allocates the cost of the aircraft evenly over its useful life. The useful life of an aircraft can vary depending on a number of factors, including the type of aircraft, its condition, and the market demand for it.
What Is the Purpose of Aircraft Depreciation in Accounting?
The purpose of aircraft depreciation in accounting is to allocate the cost of an aircraft over its useful life, reflecting the decrease in value of the aircraft due to wear and tear, obsolescence, and changes in market demand.
Aircraft depreciation is an important accounting concept for several reasons. Depreciation is used in accounting to:
- Calculate taxable income.
- Comply with accounting rules.
- Match expenses with revenues.
- Provide a more accurate financial picture.
- Allocate the cost of an aircraft over its useful life.
How Does Aircraft Depreciation Work?
Aircraft depreciation works by allocating the cost of an aircraft over its useful life. Aircraft depreciation is typically calculated using a straight-line depreciation method. As noted above, this method divides the cost of the aircraft by its useful life to determine the annual depreciation expense. For example, if an airline purchases an aircraft for $100 million with a useful life of 20 years, the annual depreciation expense would be $5 million — $100 million divided by 20 years.
The annual depreciation expense is recorded on the company’s income statement each year until the end of the aircraft’s useful life. The accumulated depreciation is recorded as a contra-asset account on the company’s balance sheet, which reduces the value of the asset over time. There are also several factors that can impact the rate at which an aircraft depreciates, including its age, condition, and technological advancements. These factors can impact the useful life of the aircraft and its depreciation expense.
What Is Aircraft Bonus Depreciation?
Aircraft bonus depreciation is a tax incentive that may allow you to accelerate the depreciation of your aircraft for tax purposes. Bonus depreciation may allow you to deduct a percentage of the cost of the aircraft in the year it is purchased, rather than spreading the cost over its useful life through regular depreciation.
To qualify for aircraft bonus depreciation, the aircraft must be used for business purposes at least 50% of the time. The bonus depreciation rules apply to both owned and leased aircraft, as long as the lease term is at least five years and the company is the “tax owner” of the aircraft.
Will Aircraft Bonus Depreciation Remain in 2023?
The U.S. tax laws allow for 100% bonus depreciation for qualified property placed in service before January 1, 2023, which includes new and used aircraft. However, tax laws can change frequently, and it is always possible for new legislation to be introduced that could modify or extend the current bonus depreciation rules.
Therefore, it is difficult to predict with certainty whether aircraft bonus depreciation will remain in effect in 2023 or beyond. It is possible that new legislation could be introduced that modifies or extends the current bonus depreciation rules or replaces them with a different tax incentive. It is best to consult with a tax professional for the latest information on bonus depreciation and its potential impact on your aircraft purchase or lease.
Aircraft Depreciation Rates
The bonus depreciation rates for aircraft can vary depending on the specific tax laws and regulations in a given region. Under current U.S. tax law, companies that purchase new or used aircraft can deduct 100% of the cost of the aircraft in the year it is placed in service. This applies to aircraft purchased between September 27, 2017, and January 1, 2023. After January 1, 2023, the bonus depreciation percentage is set to decrease by 20%.
Aircraft bonus depreciation rules can be subject to change and may vary based on specific circumstances, such as the type of aircraft, its intended use, and the applicable tax laws and regulations. The depreciation rates for aircraft can vary depending on several factors, including the type of aircraft, its condition, and the market demand for it. However, in general, aircraft depreciation rates can range from 5% to 20% per year.
Actual depreciation rates can vary depending on several factors. Additionally, bonus depreciation rules can also impact the depreciation rates for aircraft.
Aircraft Depreciation Rules
Aircraft depreciation rules are guidelines set by the tax authorities that determine how much an aircraft’s value can be deducted from a company’s taxable income over time. The Internal Revenue Service (IRS) has established rules for aircraft depreciation, which vary depending on the type of aircraft and its use.
For commercial aircraft used in the business of transporting passengers or cargo, the depreciation period is generally 7 years, but can be as long as 12 years if certain conditions are met. For non-commercial aircraft, such as those used for personal or pleasure use, the depreciation period is generally 5 years.
The depreciation rate is calculated using a formula that takes into account the aircraft’s cost, estimated salvage value, and useful life. The depreciation amount is then deducted from the company’s taxable income each year until the end of the depreciation period.
What Factors Affect Aircraft Depreciation Rates?
Aircraft depreciation rates can be affected by several factors, including:
- Type of aircraft: Different types of aircraft can have different depreciation rates depending on factors such as their useful life, market demand, and maintenance costs.
- Intended use of the aircraft: Aircraft that are used frequently or for commercial purposes may have higher depreciation rates than aircraft that are used only occasionally or for personal use.
- Maintenance and repair costs: The cost of maintaining and repairing an aircraft can impact its depreciation rate, as higher maintenance costs may lower the value of the aircraft over time.
- Market demand for the aircraft: If there is high demand for a particular type of aircraft, its depreciation rate may be lower than if there is low demand.
- Age and condition of the aircraft: Generally, older aircraft and aircraft that are in poor condition will have higher depreciation rates than newer aircraft or aircraft in good condition.
- Government regulations and incentives: Government regulations and incentives, such as bonus depreciation rules or tax credits, can impact aircraft depreciation rates.
Consider all of these factors when determining the depreciation rate for a particular aircraft.
How to Calculate Aircraft Depreciation
Aircraft depreciation can be calculated using various methods, including the straight-line method and the accelerated depreciation method. The following are some general steps to calculate aircraft depreciation using the straight-line method:
- Determine the aircraft’s cost: First, determine your aircraft’s cost. This includes the purchase price of the aircraft, as well as any additional costs associated with acquiring or modifying the aircraft, such as financing fees, delivery charges, or installation costs.
- Estimate the aircraft’s useful life: Next, determine the aircraft’s estimated useful life. This is the estimated period of time over which the aircraft will be used and will provide value to the business or individual. The useful life can be determined based on factors like the type of aircraft, the expected hours of use, and the expected maintenance and repair costs.
- Determine the salvage value: The aircraft’s salvage value is the estimated value of the aircraft at the end of its useful life. The salvage value can be determined based on several factors, such as the age and condition of the aircraft, as well as the market demand for that particular type of aircraft.
- Calculate the depreciation expense: Finally, calculate the depreciation expense of the aircraft. The annual depreciation expense can be calculated by subtracting the salvage value from the aircraft’s cost and then dividing the result by the useful life of the aircraft. This provides the amount of depreciation expense to be recognized each year.
For example, if an aircraft costs $10 million, has a useful life of 20 years, and is expected to have a salvage value of $2 million at the end of its useful life, the annual depreciation expense using the straight-line method would be $400,000 per year — $10 million – $2 million / 20 years = $400,000.
Different methods of depreciation can result in different amounts of depreciation expense, and businesses or individual aircraft owners should consult with their accountants or tax professionals to determine the most appropriate method of depreciation for their particular situation.
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The Insurance Corporation of British Columbia (ICBC) plays a crucial role in providing coverage and support to individuals who have been involved in motor vehicle accidents in the province. In recent years, ICBC has made significant changes to the way disability claims are handled, affecting not only accident victims but also the disability insurance landscape offered by traditional life insurance companies. This blog post aims to delve into the changes ICBC has implemented in British Columbia and explore their implications for disability insurance provided by traditional life insurance companies.
In This Article:
- Overview of ICBC’s Changes in Disability Claims
- Impact on Disability Insurance from Traditional Life Insurance Companies
Overview of ICBC’s Changes in Disability Claims
ICBC has undergone various reforms to improve the fairness and efficiency of its disability claims process. These changes can be categorized into three main areas:
Enhanced Care Coverage
ICBC has transitioned from a tort-based system to a care-based system, prioritizing accident victims’ access to medical care and support. Under the Enhanced Care Coverage, victims are entitled to receive necessary medical treatment and rehabilitation services without the need for establishing fault or taking legal action. This change aims to reduce delays and provide faster access to medical care for individuals with disabilities.
Another significant change introduced by ICBC is the implementation of a no-fault system. This means that accident victims are entitled to compensation for medical care, rehabilitation services, and income replacement, regardless of who was at fault in the accident. By removing the need for fault determination, ICBC aims to streamline the claims process and provide quicker support to those in need.
Increased Coverage Limits
ICBC has raised the coverage limits for various benefits, such as medical care, rehabilitation, and wage loss. These higher limits ensure that accident victims receive adequate compensation to cover their expenses and maintain their quality of life during their recovery period.
ICBC Impact on Disability Insurance from Traditional Life Insurance Companies
While ICBC’s changes primarily focus on motor vehicle accident claims, they have a notable impact on disability insurance offered by traditional life insurance companies. Here are some key implications:
Coordination of Benefits
With the enhanced care coverage provided by ICBC, accident victims may receive overlapping benefits from both ICBC and their private disability insurance policies. In such cases, coordination of benefits becomes crucial to prevent overcompensation. Traditional life insurance companies will need to assess ICBC benefits and coordinate their payouts accordingly to ensure a fair and balanced approach.
Re-evaluation of Policy Terms
Traditional life insurance companies may need to re-evaluate their policy terms and conditions to align with ICBC’s changes. This includes revisiting policy definitions, benefit limits, and coordination of benefits provisions. By incorporating ICBC’s reforms into their policies, insurance companies can provide comprehensive coverage to policyholders and avoid potential gaps or redundancies.
ICBC’s reforms may also impact the premiums for disability insurance policies offered by traditional life insurance companies. With increased coverage and benefits provided by ICBC, insurers may need to adjust their premium structures to reflect the changed landscape. This adjustment ensures that premiums remain fair and affordable while adequately accounting for the additional coverage available through ICBC.
As ICBC’s changes bring about a shift in the disability claims landscape, traditional life insurance companies must proactively educate their customers about the new system. Insurers should provide clear information on how ICBC benefits interact with private disability insurance, the coordination of benefits process, and any policy adjustments that may arise due to ICBC’s reforms. Transparent communication is essential to avoid confusion and ensure policyholders fully understand their coverage.
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The changes implemented by ICBC in disability claims have significantly impacted the insurance landscape in British Columbia. The transition to an enhanced care coverage system, the introduction of a no-fault system, and increased coverage limits have reshaped the disability claims process for motor vehicle accident victims. These changes also require traditional life insurance companies to adapt their policies, review coordination of benefits, and adjust premiums accordingly. By effectively responding to ICBC’s reforms and providing clear communication to policyholders, insurers can continue to offer comprehensive disability insurance coverage that complements the benefits available through ICBC. Overall, ICBC’s changes aim to streamline the claims process, improve access to care, and provide better support for individuals with disabilities in British Columbia. | https://lifeinsurancecanada.com/icbcs-impact-on-disability-claims-in-british-columbia-a-comprehensive-analysis-of-changes-and-their-effects-on-traditional-life-insurance-companies/ | 890 |
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Embracing Technology for Enhanced Services
Marshall Insurance embraces technological advancements to offer enhanced services to its clients. Digitalization has not only streamlined internal processes but has also empowered policyholders with tools to manage their policies efficiently. The company’s commitment to staying at the forefront of technological trends underscores its dedication to providing modern and effective solutions. Educational Resources for Informed Decisions To empower clients, Marshall Insurance provides a wealth of educational resources. From insightful blogs and articles to engaging webinars and workshops, the company strives to ensure that its clients are well informed about their insurance options. This commitment to education reflects Marshall Insurance’s belief in the importance of informed decision-making.
Marshall Group takes its role in the community seriously. Through various corporate social responsibility initiatives, the company actively contributes to the well-being of local communities. This community-centric approach not only strengthens the company’s reputation but also highlights its commitment to making a positive impact beyond the realm of insurance. Staying Ahead in a Competitive Market What sets Insurance Group apart in a crowded insurance market? The answer lies in its commitment to excellence, personalized service, and a forward-thinking approach. By constantly innovating and adapting to evolving needs, the company maintains a competitive edge that resonates with discerning clients.
Looking to the Future
As Marshall Insurance continues to grow, the company remains focused on upcoming developments and expansions. Embracing the challenges of an ever-changing insurance landscape, the company is poised for sustained success. Clients can trust Marshall Insurance to evolve with the times, providing reliable and relevant insurance solutions.
In conclusion, Marshall Insurance Group stands as a reliable partner in the journey towards a secure future. With a diverse range of services, a commitment to customer satisfaction, and a forward-thinking approach, the company exemplifies what a trusted insurance provider should be. Consider Marshall Insurance Group for your insurance needs, and experience the peace of mind that comes with having a dependable ally in uncertain times.
Q1: How can I get a quote from Insurance Group?
A: Getting a quote is easy! Visit our website or contact our friendly customer service team for a personalized quote tailored to your needs.
Q2: Are there discounts available for multiple policies?
A: Yes, the Insurance Group offers attractive discounts for bundling multiple policies. Speak to our representatives to explore the best options for your situation.
Q3: What types of insurance does Insurance Group specialize in?
A: We specialize in a wide range of insurance types, including life insurance, auto insurance, home insurance, and various business insurance solutions.
Q4: How quickly are claims processed?
A: Insurance Group is committed to timely claims processing. The duration may vary based on the nature of the claim, but we strive to make the process as efficient as possible.
Q5: Can I customize my insurance plan to fit my specific needs?
A: Absolutely! We believe in offering tailored solutions. Contact our team to discuss your unique requirements, and we’ll work together to create a customized insurance plan for you. | https://olinsure.com/blog/marshall-insurance-group/ | 1,186 |
In the ever-evolving landscape of health and wellness, a paradigm shift is underway, led by a burgeoning community of individuals who proudly identify as Wellness Warriors. These pioneers are not merely consumers of traditional insurance products; rather, they are advocates for a holistic approach to well-being that transcends the conventional boundaries of health coverage. Embracing alternative paths to insurance excellence, Wellness Warriors are redefining the relationship between individuals and their insurance providers. At the core of this movement is a recognition that well-being extends beyond mere physical health. Wellness Warriors champion a comprehensive understanding of health that encompasses mental, emotional, and social dimensions. They seek insurance solutions that align with their commitment to a balanced and harmonious life. Alternative therapies, such as acupuncture, chiropractic care, and mindfulness practices, are increasingly gaining traction among Wellness Warriors, who view these modalities as integral components of their overall health and wellness strategy.
Moreover, Wellness Warriors are driving the demand for insurance policies that reflect a personalized and proactive approach to health management. Rather than relying solely on reactive treatments, they advocate for insurance plans that emphasize preventive measures, wellness incentives, and a focus on lifestyle factors. This proactive stance not only aligns with their holistic worldview but also contributes to the long-term sustainability of the healthcare system. Wellness Warriors are also at the forefront of exploring innovative insurance models that go beyond the traditional offerings. Health and wellness memberships, which may include access to fitness classes, nutrition counseling, and other preventive services, are gaining popularity. This shift towards membership-based insurance reflects a desire for a more integrated and continuous relationship with the healthcare ecosystem.
In embracing alternative paths to insurance excellence, Alternative health insurance options San Antonio are challenging the status quo and fostering a more inclusive and patient-centric healthcare landscape. They are vocal advocates for transparency in insurance policies, seeking clear and understandable terms that empower individuals to make informed decisions about their coverage. This demand for clarity extends beyond traditional coverage to include alternative therapies and wellness services, ensuring that individuals have a comprehensive understanding of their insurance benefits. As the Wellness Warriors movement continues to gain momentum, insurance providers are faced with the imperative to adapt and evolve. Those companies that embrace flexibility, innovation, and a commitment to holistic well-being stand to thrive in this new era of insurance excellence. Ultimately, the Wellness Warriors are not just redefining insurance; they are shaping a future where health and wellness are seamlessly integrated into every aspect of our lives. In doing so, they are paving the way for a healthcare system that is not merely reactive but, more importantly, proactive and empowering. | https://vcaretherapy.com/wellness-warriors-embracing-alternative-paths-to-insurance-excellence.html | 527 |
Stay proactive to keep your organization safe
A lot has happened over this past year, and cybersecurity has been front and center for many. The President issued a few cyber-related executive orders, artificial intelligence (AI) has been the hot topic, and we've seen demand for cybersecurity roles increase. As the threat landscape evolves and cyberattack tactics get increasingly sophisticated, it’s more important than ever to look to the future and stay proactive against these rising threats.
Cybersecurity trends for 2024
As we look to 2024, we have several predictions. While it can seem challenging to narrow down, below are 7 cybersecurity trends that will be key in the coming year.
Cyberattacks will get better. We'll start to see more complex and elaborate methods. Cyber actors are already using AI to develop new tools and methods. WormGPT has provided a malicious alternative to ChatGPT, but without ethical boundaries to prevent malicious requests. Recent phishing attacks are already using more sophisticated language, making them harder to distinguish from other emails.
Threat actors will continue to become more menacing. Octo Tempest (also known as Scattered Spider) which Microsoft has called “one of the most dangerous financial criminal groups,” is a prime example.1 After their recent success with MGM Resorts International and Caesars Entertainment in Las Vegas, Nevada, they continue to leverage a wide range of tactics, techniques, and procedures (TTP) that other cyber criminals will look to emulate.
In addition, several threat actors will operate based on political or religious goals. We have already seen hacktivist groups operate on behalf of both sides of the fighting between Ukraine and Russia, as well as the Israel-Hamas conflict.2 We can expect to see this become more commonplace as other geo-political issues arise.
AI will create cybersecurity opportunities and risks. Generative AI can provide benefits such as better threat detection, automated incident response, and better enforcement of zero trust (even amongst remote workers).3
Gartner has predicted that in 2024, at least 50% of organizations will use AI-driven Security Operations Centers (SOCs).4 Many outsourced services that provide Managed Detection and Response (MDR) for organizations are leveraging AI. This allows for more enhanced threat-hunting and detection, as well as remediation of threats.
However, there are concerns that AI will create risks — not just by threat actors, but internal users too. Some experts believe that unsanctioned AI tools will become the new shadow IT, used outside the knowledge of, or protection through, security operations.
The federal government is already getting ahead of this prediction. The White House recently issued an executive order on safe, secure, and trustworthy artificial intelligence which outlines national objectives and standards for AI and cybersecurity.5
IOT and cloud: threats and security. With the prevalence of smartphones, smartwatches, and similar devices, the Internet of Things (IoT) has become part of our everyday lives. And while the future of electronic vehicles (EV) is still uncertain, they are on the road today. They open the doors for malicious actors to deploy malware, steal data, and even take control of these devices.
Additionally, organizations and individuals are using cloud platforms — Microsoft OneDrive, Google Drive, Drobox, and Adobe Creative Cloud for example — for collaboration. Data is accessible from anywhere and replicated to prevent loss. While this adds flexibility, it also opens the risk of exposure. Cybersecurity experts will need to mitigate this risk without compromising the convenience these platforms offer.
Identity-based attacks and defenses. Along with IoT and cloud platforms, there will need to be a greater defense to protect user identity— usernames, domain names, email addresses, passwords, personal data, or digital certificates. Cyber criminals leverage these to masquerade as legitimate users to get unauthorized access to systems, data, and resources. Threat actors have used several tactics including phishing, credential stuffing, social engineering, and even finding ways to compromise multi-factor authentication (MFA).6
Even post-pandemic, we see increased work-from-home (WFH) availability. There has also been more adoption of bring-your-own-device (BYOD) policies. This, coupled with greater organizational cloud migrations, can bring speed, innovation, and cost savings. But it can also introduce higher risks.
To address these issues, more organizations are turning to zero trust (ZT). According to the Cloud Security Alliance, “a ZT approach aims to reduce the success of cyberattacks and data breaches through risk-based access requirements, that is, by requiring authentication and authorization prior to granting access to resources (data and/or systems).”7
Closing the gap on talent shortages. There has been plenty of discussion on the shortage of experienced cyber professionals. Studies have outlined that the world needs 3.4 million cybersecurity experts to support the current economy.8 This is a global need that will require an effort between the private sector and governments.
According to CyberSeek, the national total of cybersecurity job openings has risen from 582,818 in 2021 to closing 2022 with 720,727 vacancies.9 Even with a 10.9% increase in the workforce from 1,000,702 to 1,102,311 nationally, the number of open needs has gone up.
Several organizations are looking to increase their talent pool by diversifying the workforce. One approach has been to open opportunities to neurodivergent individuals, many of whom have valuable traits, such as attention to detail, hyper-focus, and pattern recognition, and can thrive in cyber roles. Many of these organizations have adopted programs to integrate neurodivergent people into their workforce. Similarly, organizations are also looking to attract more women and minorities into these roles, developing initiatives to attract this talent.
While there are many entry-level candidates eager to fill cybersecurity roles, it takes time to provide on-the-job training. We should expect to see employers make the investment in building a stronger cyber workforce.
Growth of cybersecurity insurance. There has been a number of cyber breaches over the past few years, with more expected in the future. The latest study from the Ponemon Institute shows the global average cost of a data breach at $4.45 million.10 This was a 15% increase over the past three years. Organizations are looking for ways to transfer this risk.
Cybersecurity insurance is a growing market. According to the Insurer, current global premiums are valued at $11.9 billion, with the market reaching $29.2 billion by 2027.11 Insurers are looking towards risk selection and risk modeling to better understand and gain confidence with cyber risk.
Despite its growing popularity, cybersecurity insurance can be expensive, and this may deter organizations from seeking it out. However, improving your cybersecurity maturity posture may allow for better premiums.
Greater collaboration over competition. In 2013, General Keith Alexander, Director of the National Security Association (NSA), delivered the keynote speech at Black Hat. He was heckled by several members of the audience. By the time of the 2023 Black Hat, the US Government has become both a welcomed and more active participant. Cybersecurity and Infrastructure Security Agency (CISA) had a strong presence, and the Defense Advanced Research Projects Agency announced their AI Cyber Challenge to the community.
Cybersecurity collaboration has been a topic for a while, mostly within an organization, such as between internal audit and cyber. However, it is becoming more critical to have that collaboration between organizations. This breaks down the traditional competitive model. With a more collaborative approach, organizations can share expertise and knowledge to enhance their security posture.
Earlier in 2023, the White House released the National Cybersecurity Strategy. This includes enhancing public and private collaboration to better combat adversaries. It also discusses strengthening international partnership to pursue shared goals of a secure cyberspace. We should expect to see more of that in the coming year.
The above is certainly not an exhaustive list, but there are other experts providing many similar predictions for the coming year. The need to secure our most critical data and systems will remain top of mind.
Prepare for the future of cybersecurity
As your organization assesses the future of the cybersecurity landscape and begins to plan accordingly, it can be difficult to identify where to start. In many cases, a maturity assessment can help you identify your current state and help guide areas for growth and development. Once you’ve completed an assessment, develop a roadmap based on specific criteria that provides a framework for your cybersecurity improvements and optimizations. With these in place, you’ll be better suited to leverage best practices to improve your security posture and reduce your overall risk.
Selecting the right partners to help navigate the changing landscape will be key. At CAI, we take a proactive approach to preventing cybersecurity threats before they happen by assessing your current cybersecurity environment to find vulnerabilities and gaps. Then, we assist in cybersecurity assessment and management that includes threat detection, response, and post-breach remediation services.
To learn more about our cybersecurity services, contact us.
- Microsoft Incident Response, Microsoft Threat Intelligence. “Octo Tempest Crosses Boundaries to Facilitate Extortion, Encryption, and Destruction.” Microsoft Security Blog, October 25, 2023. https://www.microsoft.com/en-us/security/blog/2023/10/25/octo-tempest-crosses-boundaries-to-facilitate-extortion-encryption-and-destruction/. ↩
- Scroxton, Alex. “What Are the Cyber Risks from the Latest Middle Eastern Conflict?: Computer Weekly.” ComputerWeekly.com, October 18, 2023. https://www.computerweekly.com/news/366555872/What-are-the-cyber-risks-from-the-latest-Middle-Eastern-conflict. ↩
- “Generative AI with Cybersecurity: Friend or Foe of Digital Transformation?” ISACA, October 16, 2023. https://www.isaca.org/resources/news-and-trends/industry-news/2023/generative-ai-with-cybersecurity-friend-or-foe-of-digital-transformation. ↩
- Candano, Beatriz M. “Gartner Top Eight Cybersecurity Predictions from 2023-2024.” LinkedIn, March 17, 1680. https://www.linkedin.com/pulse/gartner-top-eight-cybersecurity-predictions-from-beatriz-m-candano/. ↩
- “Fact Sheet: President Biden Issues Executive Order on Safe, Secure, and Trustworthy Artificial Intelligence.” The White House, October 30, 2023. https://www.whitehouse.gov/briefing-room/statements-releases/2023/10/30/fact-sheet-president-biden-issues-executive-order-on-safe-secure-and-trustworthy-artificial-intelligence/. ↩
- Poireault, Kevin. “Is MFA Enough to Protect You against Cyber-Attacks?” Infosecurity Magazine, October 17, 2023. https://www.infosecurity-magazine.com/news-features/cybermonth-mfa-enough-protect/. ↩
- “Zero Trust Principles and Guidance for Identity and Access.” CSA, July 13, 2023. https://cloudsecurityalliance.org/artifacts/zero-trust-principles-and-guidance-for-iam/. ↩
- “Here’s How to Address the Global Cybersecurity Skills Gap.” World Economic Forum, May 2, 2023. https://www.weforum.org/agenda/2023/05/the-cybersecurity-skills-gap-is-a-real-threat-heres-how-to-address-it/. ↩
- “Cybersecurity Supply and Demand Heat Map.” Cybersecurity Supply and Demand Heat Map, 2023. https://www.cyberseek.org/heatmap.html. ↩
- “Cost of a Data Breach 2023.” IBM, 2023. https://www.ibm.com/reports/data-breach. ↩
- “Cyber Insurance: Overcoming the Risk Barriers and Moving Forward with Growth.” The Insurer, October 24, 2023. https://www.theinsurer.com/viewpoint/cyber-insurance-overcoming-the-risk-barriers-and-moving-forward-with-growth/. ↩ | https://www.cai.io/resources/thought-leadership/cybersecurity-trends-2024 | 2,658 |
Protecting you, whatever the cause
Convenient and flexible, Comprehensive Water coverage is everything you need to protect your home and belongings against sudden and accidental water damage.* Available whether you own or rent, and whether it’s a condo or a seasonal property, it provides coverage for water damage caused by:
- Water, septic or sewer backups: overflow that can enter your home through inside/outside drains or a sump-pit drainage system.
- Storm surge: a rise in lake or ocean level (above the normal, predicted level) during a storm.
- Waves and spray: when resulting from a storm or hurricane.
- Flooding from the overflow of a natural or man-made body of water: including lakes, rivers, creeks and streams, and any overflow caused by breaking dams, levees or other water-containment systems.
- Surface water: the build-up of water caused by heavy rainfall, fast snow melts and extreme weather.
- A rising water table: when underground water rises to the surface, causing leaking through walkways, driveways, foundations, walls or floors.
Putting you in control of your policy
Comprehensive Water coverage is all-inclusive, which makes protecting your home and belongings easy. And it’s flexible, which means that you can use it however you choose. Based on your policy type, your benefits could include:
Enjoy a single limit to use for your personal property, including buildings, detached structures, loss of use, cleanup and debris removal, outdoor swimming pool and/or hot tub.
Instead of paying a flat dollar amount, your deductible will be a percentage of your claim amount — from 2% to 35%, with a minimum deductible of $1,000 for Quebec and other risk types or $2,000 for Homeowners.
In the event of a total loss (i.e., if your home is damaged beyond repair), you receive the actual rebuilding cost with materials of similar quality, up to your insurance limit, with no deduction for depreciation. You can even choose to rebuild in another location.
Coverage to replace your outdoor trees, shrubs and plants*.
Up to $5,000 for costs incurred to protect your property in the event of a flood warning (for example, any costs associated with sand bagging).
Expenses (up to a specified limit) that result from water damage keeping you out of your residence.
Are you at risk?
When it comes to potential water damage, there are many factors — like where you live and what type of property it is.
If you’re a home, residential or seasonal property owner, and you have water-loss prevention devices — like a backflow prevention device installed on the sewer or septic line, or a secondary sump pump with an automatic backup — you may be eligible for discounts.**
Protect your family, home and belongings against sudden and accidental water damage with Comprehensive Water coverage. Contact us today!
*Some conditions may apply.
**Before you install one, check with your city or licensed plumber to confirm which devices are permitted in your area and most effective for your home. | https://www.cooperators.ca/en/group/group-insurance/water-damage-coverage | 648 |
Many drivers suffer serious or fatal injuries in Meriden and throughout all Connecticut highways. Connecticut has three main highways, all of which are highly traveled:
Interstate 95 is a highway along the southern portion of Connecticut, running from Greenwich all the way to the eastern part of the state in Stonington, Connecticut.
Interstate 91 intersects with Interstate 95 and runs north to south from New Haven through Hartford to the Massachusetts border.
Interstate 84 is a west-to-east highway in the upper middle portion of Connecticut that runs through Hartford.
In addition to the many cars and motorcycles that travel on these intersections, Connecticut’s highways are traveled by a significant number of semitrucks and other large commercial vehicles, as Connecticut’s highways connect Boston to New York and major destinations throughout New England.
Help For Connecticut Highway Accident Victims
If you or a family member has been injured in a motor vehicle accident on a Connecticut highway, contact an experienced personal injury lawyer at Loughlin FitzGerald, P.C. We represent clients throughout Connecticut in motor vehicle accident claims. To schedule a free consultation with a personal injury attorney at our firm, contact our law office in Wallingford, Connecticut.
Put Our Experience To Work For You
If you have been injured in a motor vehicle accident, you will likely have to go through an insurance company to obtain the compensation you are entitled to receive. The insurance companies have experienced attorneys working to protect their rights, and you should too.
Our personal injury attorneys have more than 100 years of combined experience. We have extensive experience handling motor vehicle accident claims, including car accident, motorcycle accident, and trucking accident claims. We seek full compensation on behalf of accident victims and have a strong record of results.
We handle all personal injury claims on a contingency fee basis, so you pay no fees to us unless we recover compensation for you. To schedule a free consultation with a Connecticut auto accident attorney at our firm, call (203) 265-2035 or contact us by email. | https://www.lflaw.com/motor-vehicle-accidents/highway-accidents/ | 415 |
At the time of your initial visit, your treatment plan will be established and you will receive an itemized statement reflecting the services rendered and/or to be rendered along with an estimate of what portion your insurance provider should cover. We will file your insurance paperwork to help receive all entitled reimbursements. Please remember that regardless of your insurance coverage, you are fully responsible for all fees charged to you by this office.
Deposits for surgery with insurance coverage: To insure that your surgery is reserved, we will require you to pay your insurance deductible/patient portion or the price of anesthesia prior to booking your appointment. Payment is due in full at the time service is to be rendered.
For your convenience, we accept cash, credit cards (Visa, MasterCard, Amex and Discover) and check via EFT only. Other financing options available to our patients are CareCredit and Springstone. If you have questions regarding your account, please contact us at Rancho Cucamonga Office Phone Number 909-481-6867.
Medical Record duplication is subject to a minimum fee of $60.00
Our insurance coordinator deals with many different insurance companies. Some of these companies might offer various dental and medical plans, while others may combine their dental and medical coverage. Still others will not give out fee estimates before the treatment is completed. Combining this with the fact that insurance company policies and guidelines can and frequently do change, it is almost impossible to predict with absolute certainty our patients’ insurance co-payment. To maximize your reimbursement, we ask that you keep us informed of any change to your insurance. It is important that all information about you and your insurance be current and accurate.
All co-payments are payable when you check in at the front desk. | https://www.mountainviewoms.com/patient-information/financial-policy/ | 360 |
Treasury CS raises concern over low uptake of long-term insurance
National Treasury Cabinet Secretary Njuguna Ndung’u (pictured) has warned of low uptake of long-term insurance in the country and called on industry players to consider this as a potential opportunity.
For example, only nine per cent of reinsurance business in the country came from long-term insurance business lines, such as life insurance.
“As insurance industry players in Africa, there is need to identify and implement strategies for increasing insurance growth in the long-term insurance lines of business. There is need to develop ways of enhancing value and trust in life insurance and its distribution if there is to be growth in this line of business,” Ndung’u said in a statement.
“The development of the long-term insurance business is critical to the national economic development as it constitutes a key aspect of mobilisation of funds and savings that are important for national development,” he added. Ndung’u spoke in Nanyuki when he opened the eighth reinsurance CEOs summit last week. In 2022, long term insurers in Kenya received a total premium income of Sh2.88 billion, a decrease of eight per cent from the Sh3.13 billion reported in 2021.
General reinsurers reported inward reinsurance premium amounting to Sh28.43 billion in 2022 up from Sh28.09 billion reported in 2021 representing a marginal growth of 1.2 per cent. Fire industrial class of insurance business continues to account for the largest share of the total premium under general reinsurance business at 31.66 per cent. According to the CS, life insurance in most African countries contributes an average of one-third of the premiums with two-thirds coming from the general insurance business.
During the same event, Pan-African reinsurer, Continental Reinsurance Plc announced the winners of the eighth Pan-African (Re)Insurance Journalism Awards.
Winners in six categories were announced drawn from across the African continent. | https://www.pd.co.ke/business/treasury-cs-raises-concern-over-low-uptake-of-long-term-insurance-174215/ | 414 |
When you are looking for a fun city to move to, Detroit, MI is a great option. Those that live all over this area of Michigan will find that it offers a lot of opportunities and local amenities. For those that want to move to this area of Michigan, owning a condo can be a good choice. Condo owners here will benefit in several ways. Along with your Detroit condo purchase, you also need to choose a quality condo insurance plan.
Insurance is a Requirement
A reason that you will need to get a condo insurance plan is that it is a requirement for most condo owners. Those that purchase a condo are likely going to live in a condo building and may have taken out a mortgage. In most cases, anyone that has financing in place or that lives in a community with an association will need to maintain a full condo insurance plan.
Insurance Covers Investment
You will also want to get a condo insurance plan as it will protect your investment. Buying a condo always is a big purchase. The best way that you can protect this investment is by getting insurance for it. With condo insurance, you will have the coverage needed to repair your condo if it is damaged by a fire, storm, or other forms of loss.
If you do want to get a condo insurance plan in the Detroit, MI area there are many decisions to make along the way. The team with the Premier Insurance Agency is a great group to contact as they can help you better assess your options. When you do call the Premier Insurance Agency for your condo insurance needs, it can help ensure you choose a policy that is ideal for your situation. | https://www.premierinsuranceagency.com/blog/2021/02/ | 332 |
By August, blazes had burnt much of the larch forest. Cold lightning is a return stroke with intense electrical current but of relatively short duration. Climate change is undoubtedly the biggest trigger of extreme lightning storms. The U.S. billion-dollar disaster damage costs over the last 10-years . Florida, for instance, has seen several of its largest fires over the past two decades in May . The Greenland ice sheet is melting from the bottom up and is now the single largest contributor to sea level rise. Nor is the threat confined to the Pantanal, as the Brazilian Amazon rainforest also saw wildfires that burned large areas. "In the boreal forest region, fires are very common, very large and they produce a lot of smoke. Due to excessive drought and wildfires, research now shows that as much as 40% of the Amazon has reached a tipping point where it could be classified as a savannah, and not a rainforest. Text on this page is printable and can be used according to our Terms of Service. Especially important is the emphasis on extreme wildfires and the recommendation for [a] move from reaction to prevention and preparedness., Find more age of extinction coverage here, and follow biodiversity reporters Phoebe Weston and Patrick Greenfield on Twitter for all the latest news and features. The leader is the probing feeler sent from the cloud. Its not just you: We are seeing more and more intense wildfires from California to Indonesia. Furthermore, an analysis of more recent California fires found that human-sparked wildfires are more extreme and destructive than nature-induced ones as they move more than twice as fast, spreading about 1.83 kilometres per day. They can kill insects and diseases that harm trees. Dave Petley, an earth scientist at the University of Sheffield, has calculated that landslides caused 32,322 fatalities between 2004 and 2010 - equivalent to over 4,500 deaths each year. And because of the ever-shifting conditions in which wildfires now occur, researchers say authorities and policy-makers need to work in tandem with local communities, bring back Indigenous knowledge and invest money to prevent wildfires from igniting in the first place to reduce the damage and loss that comes after. , for example, hot lightning causes 60% of the regions wildfires in an average year. Environmental News, Data Analysis, Research & Policy Solutions. For example, naturally occurring fires are common in the boreal forests of Canada in the summer. Additionally, a recent study found that high-elevation forests in the Rocky Mountains are burning more now than any time in the past 2,000 years. These particles can cause increased cancer risk in humans. These fires have been burning since May and are projected to last into late October and November. Undisclosed: Most Homebuyers And Renters Aren't Warned About Flood Or Wildfire Risk. This information is gathered from the Incident Management Situation Reports, which have been in use for several decades. Cold lightning is usually of short duration and thus rarely a cause of wildfires. Because of the intense heat it generates, hot lightning accounts for the majority of natural fires. National Geographic Society is a 501 (c)(3) organization. The National Disaster Response Force and the Indian Air Force Mi-17 helicopters used Bambi buckets to douse the fires with water. Climate change poses an urgent threat demanding decisive action. The colors are based on a count of the number (not size) of fires observed within a 1,000-square-kilometer area. The Rights Holder for media is the person or group credited. To get a better understanding of the areas of the country most susceptible to wildfire damage, weve created the following map using the U.S. Forest Services data. Most of the worlds permafrost is located in the Arctic, as these fires thaw the permafrost, the organic material within begins to decompose, releasing carbon dioxide and methane into the atmosphere, and compounding the effects of climate change. This year, one-fifth of the Pantanal has been burned down by land-clearing fires, with NASA estimating that these fires spanned over 7,861 square miles. More than 1.1 million acres were charred and 3,500 structures destroyed in dozens of towns. In February 2019, massive forest fires broke out in numerous places across the Bandipur National Park of the Karnataka state in India. Some plants require fire every few years, while others require fire just a few times a century for the species to continue. The National Interagency Coordination Center at the National Interagency Fire Center compiles annual wildland fire statistics for federal and state agencies. Most damaging wildfires are caused by humans, usually accidentally; downed power lines, ruptured gas mains, campfires, sparks near roadways caused by traveling vehicles, discarded cigarettes, and arson are common culprits. Wildfires around the world: In pictures. Concretely, countries around the world are passing policies to regulate land management. As the burning of vegetation related to deforestation practices is among the leading causes of wildfires, environmental laws and policies that can provide critical backstops for ecosystems at risk, including forests, are also necessary. The fires have left a trail of destruction in their wake. The winter grassland fire that blew up along Colorado's Front Range was rare, experts say, but similar events will be more common in the coming years as climate change warms the planet sucking the moisture out of plants suburbs grow in fire . See how a warmer world primed California for large fires, Nov. 15, 2018, National . This was the case, , which experienced a 65% rise in dry vegetation in just a few months. Figure 1. In other parts of the world, the patterns are the result of human activity. 1:47 AM EST, Wed February 23, 2022, Smoke rises from a forest fire outside the village of Berdigestyakh, in the republic of Sakha, Siberia, in July 2021. To learn more about 24 Hours of Reality: Countdown to the Future, visit www.24hoursofreality.org. Hot and dry summers like 2003 are likely to become more common in a warmer world; some scenarios project that by 2080 such conditions could arise every other year. Studies have shown that in addition to becoming more frequent, climate change . Uncontrolled vegetation fires on this island of ours are becoming more common. "Once you see fear in a firefighter's eyes," Ryan Montano says, "that's when you know things aren't good." When . There are two types of lightning: cold and hot. Humans cause nearly 90% of wildfires in the United states1 via discarded cigarettes, unattended campfires, burning debris, or through equipment malfunctions. California had a disproportionately high number of properties in danger of wildfire devastation. More than 7.6 million acres burned in the US in 2021 due to wildfires. The latter accounts for one of the most common, , 40% of wildfires that affect British Columbia in an average year are human-induced. Wildfires can fizzle out quickly or spread uncontrolled, consuming thousands of acres of land in a matter of hours. Sierra Nevada forest fires often include both crown and surface spots. Even with the most ambitious efforts to slash heat-trapping emissions, the report shows that those near-term consequences are locked in. From Australia to Canada, the United States to China, across Europe and the Amazon, wildfires are wreaking havoc on the environment, wildlife, human health and infrastructure, the foreword of the report said, adding that while the situation is certainly extreme, it is not yet hopeless. Following the fires, the city government improved building codes to stop the rapid spread of future fires and re-built higher standards. (Compare that to the years 2011 to 2017 when there were fewer than 100 fires altogether.) 2. The number of extreme wildfire events will increase up to 14% by 2030, according to the reports analysis. Scientists estimate that permafrost in the Northern Hemisphere holds about 1.5 trillion tons of carbon. Wildfires can burn in vegetation located both in and above the soil. Although forest fires are common in the Amazon during this time of the year due to extremely dry weather, there was an 83 percent rise in the fire compared to the 2018 fire. The inverse is true, said Dr. Joel Levine, a biomass burning expert at NASA Langley Research Center in Hampton, Va. "What we found is that 90 percent of biomass burning is human instigated," said Levine, who was the principal investigator for a NASA . Named after Camp Creek Road, its place of origin, the fire started on November 8, 2018, in Northern Californias Butte County. Furthermore, steady temperatures and rainfall can drastically reduce the amount of dry vegetation. Between 1992 and 2015, more acres burned across the U.S. in June than any other month. What is black carbon? The Miramichi Fires created a firestorm during October 1825 at Maine and the Canadian province of New Brunswick. It killed 87 people, mostly firefighters, and destroyed more than three million acres of forest. The 1997 group of forest fires in Indonesiaspread thick clouds of smoke and haze across the country and itsneighbours including Malaysia and Singapore. As we reflect on the consequences of these extreme events and study solutions to mitigate their impact and prevent them from happening on such a large scale, it is important that we understand what causes wildfires in the first place. Uncontrollable and devastating wildfires are becoming an expected part of the seasonal calendars in many parts of the world, Sullivan said at a Monday news conference. It is designed for anyone who want to learn more about wildland fire. But the biggest mishap that a wildfire can cause is burning thousands of trees and being a threat to vegetation and wildlife. The same cannot be said of hot lightning: currents in hot lightning have less voltage but occur . Does the wildfire threaten people and/or their personal property? Map created in d3.js. Even when climate change isnt the primary cause of massive forest fires, these fires can have massive consequences for the planet. In Canada, wildfires or forest fires are common in forested and grassland . We see more and more fires also in the Arctic Circle, where fires are naturally rare.. 1. A Warner Bros. As shown in Figure 1, the most common types of disasters include flooding and fires. We hope youll join us! The move came after the Trump administration cut funding to research into the issue, undermining the risks of wildfires. Fires can generate large amounts of smoke pollution, release greenhouse gases, and unintentionally degrade ecosystems. For example, some tree cones need to be heated before they open and release their seeds; chaparral plants, which include manzanita, chamise (Adenostoma fasciculatum), and scrub oak (Quercus berberidifolia), require fire before seeds will germinate. Some regions, like the mixed conifer forests of Californias Sierra Nevada mountain range, can be affected by different types of wildfires. The leaves of these plants include a flammable resin that feeds fire, helping the plants to propagate. A fuel's composition, including moisture . In 2018, the most destructive California wildfire of all time caused 85 deaths and was the world's costliest single natural disaster that year with losses exceeding $16 billion. A wildfire is an uncontrolled fire that burns in wildland vegetation, often in rural areas. 15 July: Due to the dry weather, about 80 wildfires have been burning in Sweden. In the most recently affected countries, Turkey, Italy and Greece, there have been between two and five times as many wildfires during July as there were in the period between 2008 and 2020. (Image credit: NOAA/NCEI) U.S. wildfire damages in 2020 totalled $16.5 billion, ranking it as the third-costliest year on record, behind 2017 ($24 billion) and 2018 ($22 billion). (Photo by Justin Sullivan/Getty Images). The worst fires on record are burning now in the Pantanal wetlands in the country's south. However, every action to mitigate climate change and slow down global warming can effectively reduce the risk of extreme weather events such as lightning strikes and thus decrease the chances of wildlife fires. Ground fires typically ignite in soil thick with organic matter that can feed the flames, like plant roots. Washington, DC 20004. However, promising to end deforestation is not enough. In the past year, we've seen some of the most damaging and extensive wildfires on record. A recent study found that the annual exposure to wildfire smoke results in more than 30,000 deaths across the 43 countries analyzed in the study. The Colorado River Basin supplies water to 40 million people in seven western states. Climate change increases the conditions in which wildfires start, including more drought, higher air temperatures and strong winds. In fact, according to the Intergovernmental Panel on Climate Change (IPCC) the United Nations body established to assess the science related to climate change modern humans have never before seen the observed changes in our global climate, and some of these changes . UNEP researchers suggest that governments adopt a fire ready formula, which commits two-thirds of spending to planning, prevention, preparedness and recovery, with only a smaller percentage put toward response to damages and losses. Although less common, wildfires can also occur though non-human phenomena, such as lightning strikes and volcanic eruptions. Hand-picked stories once a fortnight. From Greece to California, firefighters have been tackling the flames. Florida, for instance, has seen several of its largest fires over the past two decades in May, while fires in Oklahoma has seen the most destruction in March. Learn More About Wildfires Fire-management strategies vary globally, but as a very general rule, experts believe that ecosystems closer to the equator should have more wildfires, and those farther away should have fewer. 555 11th Street NW Another common source of wildfires is cigarettes, and lit cigarettes also contribute to numerous wildfires each year. Percentage of housing units at risk: 15%. Key Facts. Australia's bush fires are the worst in the country's recorded history. In the past year, weve seen some of the most damaging and extensive wildfires on record. According to data compiled by U.S. Forest Service, both states saw more of their acreage burned at the hands of wildfires than California between 1992 and 2015. Get focused newsletters especially designed to be concise and easy to digest. The World Wildlife Fund declared it to be one of the "worst wildlife disasters in modern history. The danger went beyond the flames, with experts estimating that the smoke from Australias 20192020 fire season was linked to 445 human deaths. A forest fire in central Yakutia, Russia, in June 2020. For example, the intense burning in the heart of South America from August-October is a result of human-triggered fires, both intentional and accidental, in the Amazon Rainforest and the Cerrado (a grassland/savanna ecosystem) to the south. Earlier this year, bushfires ravaged 46 million acres in Australia, captivating global attention and making front-page headlines around the world. When California saw widespread power blackouts last year during wildfires and a summer "heat storm", Republican lawmakers from Texas were quick to deride the coastal state's energy policies . A satellite image of smoke over north-east Russia. There are two types of lightningcold lightning and hot lightning. Burning parts of the land on purpose has historically prevented larger, more destructive fires. While this natural phenomenon is completely unpredictable, adequate land management and landscape fire management planning can significantly diminish the intensity of wildfires and prevent unnecessary deaths and the displacement of people and animals. Firefighters in Italy used helicopters to tackle flames. As mentioned before, fuel is one of the three components needed for a wildfire to start. Last week, the US Naval Research Laboratory held a very 2021 press conference, in which scientists reported a very 2021 outbreak of "smoke thunderclouds.". Another study found that increases in fine particulate matter from wildfire smoke in 2020 led to a surge in Covid-19 cases and deaths in California, Oregon and Washington. As mentioned before, fuel is one of the three components needed for a wildfire to start. At the moment, what keeps me up at night is that theres no real global response yet, so we need more investments also in that kind of a global platform.. The common approach of fighting fires in naturally fire-prone landscapes - applied in many regions of the US, Australia and Mediterranean Europe - can suppress blazes for a time, but these . Fires began last May as snow melted in Yakutia. Nearly 1,600 incidents of fires were detected which were brought under control by 2 May. Most of the worst-affected regions are in the north of the country. In 2017, lightning set off nearly 8,000 wildfires, which burned 5.2 million acres (2.1 million hectares) in the United States, according to the National Interagency Fire Center (NIFC). The most noted areas on Earth for wildfire include the vegetated areas of Australia, Western Cape of South Africa and throughout the dry forests and grasslands of North America and Europe. | http://www.thechillconcept.com/Dieu/where-are-wildfires-most-common-in-the-world | 3,479 |
Jumpstart is thrilled to announce that we’ve expanded our parametric earthquake insurance to Washington and Oregon. The Pacific Northwest faces nearly as much earthquake risk as California. And now, residents of Washington and Oregon have a new way to protect themselves from earthquakes. Jumpstart’s simple, affordable coverage pays a lump-sum immediately after an intense earthquake.
Both Washington and Oregon are among the top 5 states most at-risk to earthquakes, ranked by population exposed to strong shaking. Oregon and Washington are also included in the top 10 earthquake-prone US states ranked by number of earthquakes above magnitude 3.5.
As Much Earthquake Risk As California
The Pacific Northwest is widely known to be the most dangerous earthquake hotspot outside of California, because it’s part of the Cascadia Subduction Zone. There’s an 84% chance that a Magnitude 6.5 or higher earthquake will strike the Puget Sound region within 50 years, as cited by the Cascadia Region Earthquake Workgroup.
To visualize earthquake risk in Washington and Oregon, look no farther than the latest USGS seismic hazard map, the scientific basis for US building codes. The chance of experiencing earthquake damage is as high in Seattle as in much of California, over the 100-year timeframe of the map.
Bigger Earthquakes, but Rarer
Along faults like the San Andreas in California, two plates slide past each other at the surface. In contrast, subduction zones are where two plates collide against each other, with one plate descending beneath the other.
Subduction zones create the largest-magnitude earthquakes in history, known as “megathrust” earthquakes. A recent example of a megathrust earthquake is the 2011 M9 earthquake in Japan, whose tsunami caused explosions and radioactive leakage at the Fukushima nuclear power plant.
Tectonic plates in the Cascadia subduction zone are colliding more slowly than in Japan, which means megathrust earthquakes in the Pacific Northwest are less frequent, but no less devastating. Residents of Washington and Oregon even have a name for this massive future quake, as coined by a 2015 New Yorker article: “The Really Big One.”
The last “really big one” in the Pacific Northwest was a Magnitude 9 on January 26, 1700. Since there are no written records from that time, the discovery of this earthquake is a fascinating tale of scientific sleuthing. Researchers studying tree rings in Oregon and Washington linked their findings with Japanese historical records of an “orphan tsunami”, one not preceded by earthquake shaking.
Experience this massive earthquake for yourself in a gripping play-by-play of the aftermath of a Cascadia subduction zone earthquake. This imagined but plausible case study was created by leading scientists and resilience advocates in Oregon including members of the Oregon Seismic Safety Policy Advisory Commission (OSSPAC).
Earthquakes in Seattle and Portland
It’s not just large, rare earthquakes that pose a risk to Washington and Oregon. Surface faults peppering the landscape are also capable of generating major earthquakes.
Next month marks the 20-year anniversary of the Magnitude 6.8 Nisqually earthquake in Tacoma, which caused widespread damage to older brick buildings and prompted the Washington State Department of Transportation to undertake a 19-year, $3.3B project replacing a portion of elevated freeway with a tunnel under downtown Seattle.
In Seattle, it’s plausible to see a Magnitude 7 earthquake on the Seattle Fault running east-west through downtown Seattle and across Puget Sound. Such a scenario could result in 400,000 people without potable water and more than 30,000 extensively-damaged or collapsed buildings.
In Portland, scientists have estimated the effects of a Magnitude 6.8 earthquake on the Portland Hills fault. In this scenario, the combined number of injuries and fatalities could range from 16,000 to 63,000, and up to 300,000 residents could face long-term displacement from their homes. Jumpstart’s Resilience Report likewise demonstrates that housing displacement is perhaps the most severe consequence of a major earthquake.
Getting Protected from Pacific Northwest Earthquakes
OSSPAC’s Seismic Insurance Report in particular cites that approximately 15% of Oregon’s residents and 11% of Washington’s residents carry insurance coverage for earthquakes, which is routinely excluded from standard homeowners or renters insurance.
One of the main conclusions of the report emphasizes the importance of seismic retrofits. “Insurance does not allow people to stay in their homes and avoid reliance on scarce shelter space.” In this way, the OSSPAC Report reinforces the importance of housing and the need for residents to meet their first needs.
Jumpstart Builds Financial Resilience
And helping more people meet their first needs is exactly Jumpstart’s mission. Our unique parametric insurance pays a lump-sum right away that policy holders can use to pay for any expense related to the earthquake. It’s a critical step toward financial resilience in earthquakes.
We are so proud to be launching Jumpstart in Washington and Oregon, and we look forward to protecting more people with parametric earthquake insurance. | https://blog.jumpstartinsurance.com/washington-oregon-launch/ | 1,067 |
The UK government is in jeopardy of a "catastrophic ransomware attack" owing to poor preparation and underinvestment, warns a parliamentary committee. The risk of such an attack could lead to widespread disruption. The joint committee on the national security strategy report has stated that the UK's critical national infrastructure (CNI) is vulnerable to a severe cyber-attack at any point.
Importantly, the CNI is responsible for societal operations such as energy and water supply, transportation, healthcare, and telecommunications, as stated by The National Cyber Security Centre (NCSC). Recently, a ransomware attack on the NHS resulted in patient data falling into the hands of cyber-criminals. Furthermore, in 2020, ransomware attack caused Redcar and Cleveland council systems to be inaccessible for nearly three weeks, leading to a damage cost of worth 18 million.
Andy Ward, cybersecurity expert and VP International for Absolute Software commented, “The heightened risk of cyber-attacks during uncertain economic times makes vulnerable security systems a prime target for cyber attackers. Ransomware threats do not discriminate across any person or sector, posing a significant concern due to increasing volumes of sensitive data.”
Ward further stated, "Due to the certainty of ransomware attacks, organisations must implement both preventative and reactive cybersecurity measures. They need to review current cyber postures, incorporate resilient Zero Trust models for user authentication. Furthermore, it is vital to have robust response protocols in place alongside prevention efforts. This involves leveraging secure access, self-healing solutions to recover and repair breached devices following a breach, which ensures heightened cyber preparedness."
According to the report, the government should prioritise investing in preventing cyber-attacks. The failure to do so has drawn criticism, especially regarding the lack of prioritising ransomware attacks. If successful, cyber-criminals' sabotage of CNI operations could pose a significant threat to physical security or human life safety, particularly if cyber-physical systems are intercepted and controlled by cyber-criminals.
The committee identified the NHS as being particularly vulnerable, due to a lack of simple upgrades in their IT systems, leaving them susceptible to cybercrime.
Cyber expert Suid Adeyanju, CEO of RiverSafe, stated, "Cybercriminals are persistently targeting vital national infrastructure with ransomware attacks, such as the NHS, to steal confidential patient data. Organisations need to re-evaluate their cybersecurity defences, combining a blend of technology and observability, as well as ensuring comprehensive training for all staff on the dangers of cyber threats. As the surge in cyber-attacks shows no signs of slowing down, measures to secure data and mitigate risks should be top priority for businesses."
Andy Ward reiterated, “Ransomware attacks are on the rise. They do not discriminate across any person or sector, posing a significant concern due to increasing volumes of sensitive data, remote devices, and network access points. Due to the certainty of such attacks, it is crucial for organisations to implement both preventative and recovery-focused cybersecurity measures. Peace of mind and resiliency can be ensured via robust response protocols, leveraging self-healing solutions to recover and repair breached devices and systems following an attack.” | https://cfotech.co.uk/story/uk-govt-risks-catastrophic-ransomware-attack-warns-committee | 643 |
In the vast expanse of Washington State, contractors navigate a realm fraught with unique challenges inherent to their profession. The spectrum of risks is undeniably real, From the physical dangers posed by the job site’s physical landscape to the potential legal entanglements arising from dissatisfied clients. Amid these uncertainties, the significance of securing general liability insurance cannot be overstated.
Your general liability insurance acts as a fortress of financial protection, safeguarding your business against potentially catastrophic expenses. Within this comprehensive guide, we aim to illuminate the path for contractors in Washington State, offering valuable insights into acquiring affordable contractor general liability insurance while adeptly harmonizing considerations of cost and coverage.
Understanding Contractors’ General Liability Insurance
Within the intricate fabric of a contractor’s operations, liability insurance assumes the mantle of the initial defense against a litany of potential claims, deciphering the world of Washington contractors’ insurance. This versatile shield extends its protection to cover injuries to non-employees, property damage, and lawsuits arising from personal and advertising injuries. Imagine a scenario where you’re engaged in a remodeling project, and a client stumbles over your equipment, sustaining an injury, or you inadvertently cause damage to a client’s property. During such moments, the protective cloak of your general liability insurance unfurls, warding off potential financial peril. The indispensable nature of this insurance lies in its ability to mitigate the impact of legal fees, medical expenses, and the financial ramifications of settlements or judgments, should legal action be taken against you.
The Evolving Landscape of Liability Insurance in Washington State
In Washington, traversing the intricate terrain of liability insurance stands as a formidable challenge, particularly for contractors. Mandates from the Washington State Department of Labor and Industries (L&I) dictate that contractors must carry general liability insurance for Washington contractors as a prerequisite for obtaining licensure. Furthermore, most clients and businesses stipulate that contractors furnish proof of this essential coverage before contract commitment. The contours of this insurance landscape are variegated, heavily influenced by the contractor’s field of expertise and the scale of the business. The mosaic is further enriched by nuances introduced by local regulations, accentuating the variations in coverage requirements. As a discerning contractor, a firm grasp of these state-sanctioned requisites stands imperative in safeguarding your business against vulnerabilities.
The Balancing Act: Understanding the Impact of High Insurance Costs
Undoubtedly, insurance assumes a pivotal role as a business expense. However, the expanse of high insurance costs has the potential to strain entrepreneurial pursuits, subtly eroding profits, and imposing limitations on avenues of growth. Striking equilibrium between price and comprehensive coverage becomes a cardinal objective. The allure of embracing a more economical plan might appear alluring, promising immediate monetary relief. Yet, being inadequately insured during a substantial claim is a dire consequence. Navigating this juncture mandates a lucid comprehension of insurance costs and their potential repercussions, empowering informed decision-making.
Pathways to Access Affordable General Liability Insurance for Contractors in Washington State
The chasm between contractor insurance quotes offered by distinct companies is bound to astound. However, a word of caution — ensure comparability across coverage limits, deductibles, and exclusions. Engaging an insurance broker emerges as a prudent choice. Armed with an expansive grasp of the market, these professionals guide you through the labyrinthine insurance domain. Their expertise paves the way, unveiling optimal insurance providers and facilitating comparisons across varied quotes, thus offering tailored recommendations. The digital sphere presents a realm of convenience wherein online platforms facilitate swift and facile comparisons of quotes from multiple insurers. This realm promises temporal savings and the potential to unearth more budget-friendly alternatives. It’s also worth noting that the nature of your business operations can profoundly sway insurance rates. If you are a small business proprietor, a self-employed contractor, or a new venture startup, tailored insurance options to your specific needs often yield more economically viable rates without compromising coverage.
Tactics to Mitigate General Liability Insurance Costs in Washington State
Employing a spectrum of strategies can aid in curbing the costs of general liability insurance for Washington State contractors. One prong of the approach involves establishing a robust safety and risk management program. By preemptively curtailing the potential for accidents and mishaps, you unlock the potential for reduced premiums. A complementary avenue entails bundling your insurance needs. By embracing a Washington contractors’ business owner’s policy (BOP), which interweaves general liability with property insurance, cost efficiencies are often achieved — surpassing the financial outlay required for separate policies.
Moreover, the notion of an annual policy review assumes significance. As your business forges ahead, growth and evolution invariably transpire. Such dynamics are mirrored in your insurance requirements. Regular reviews of your policy serve as a compass, ensuring optimal protection levels without imposing unwarranted financial burdens.
A Case in Point: Navigating the Terrain of Affordable Washington Contractors’ General Liability Insurance
Let us weave a tale rooted in reality — a narrative of Joe, a Seattle-based contractor. With an innate recognition of the indispensability of contractor insurance, Joe embarked on a journey of meticulous comparison. Scrutinizing multiple quotes proffered by his broker, he doggedly pursued a policy that resonated with affordability without surrendering comprehensive coverage. Yet, Joe’s quest extended beyond mere policy procurement. His proactive disposition translated into investment in safety training for his workforce, effectively reducing the potential for accidents and subsequent claims. Joe’s foresight bore fruit, rendering his insurance premiums not only manageable but a testament to the tangible existence of economical Washington State contractors’ liability insurance, steering beyond the confines of myth and into the realm of reality.
Navigating Hazards: Pitfalls to Sidestep when Seeking Cheap Liability Insurance
Embarking on the quest for cheap contractor liability insurance in Washington requires a keen awareness of potential pitfalls. Succumbing to the allure of trimming coverage in a bid to economize may be tempting. However, it is imperative to fathom that a single claim, lacking the protective cloak of adequate insurance, has the potential to precipitate financial downfall. Equally treacherous is the pitfall of selecting an inappropriate policy type emphasizing the importance of aligning your policy to the risks inherently woven into your line of work. For instance, the risks confronting a concrete contractor may diverge vastly from those experienced by a roofing contractor. Vigilance must also be directed toward the minutiae — exclusions, limits, and deductibles. These finer points wield the power to contour the efficacy of your policy when the need arises. Consequently, a comprehensive comprehension of these nuances stands essential before sealing the pact with a policy.
Anticipating Queries: Addressing Frequent Questions Surrounding General Liability Insurance
Q: What is Washington State contractor general liability insurance, and why is it pivotal for entrepreneurs in the state?
A: Washington State contractor general liability insurance encapsulates a range of coverage, shielding contractors from an array of claims, including bodily injury, property damage, personal injury, and more. This coverage assumes paramount significance given the propensity for accidents within the construction domain.
Q: Can I find a Washington contractor general liability policy that seamlessly merges affordability with comprehensive coverage?
A: Certainly. The crux of this quest lies in diligent research and an astute comprehension of your business’s unique risks. Each field of specialization brings forth distinct hazards, and tailoring your insurance accordingly is the key. Over-insuring can culminate in unwarranted financial strains, especially if the envisioned work trajectory evolves over time.
Q: What common missteps must I vigilantly avoid when striving for cheap liability insurance for Washington contractors?
A: The siren song of curbing costs in the short term by compromising coverage is a pitfall to circumvent. Inadequate insurance during a substantial claim can culminate in grave financial ramifications.
Q: How can I secure the best cheap liability insurance for contractors in WA?
A: Partnering with a seasoned and reputable insurance broker is a prudent path to tread. Their adeptness in navigating the insurance landscape facilitates comparisons across similar coverage limits, deductibles, and exclusions.
Embarking upon the voyage to secure affordable Washington contractor general liability coverage transcends pursuing the cheapest policy. This endeavor hinges upon an intimate familiarity with the intricate tapestry of risks endemic to your enterprise and a discerning selection of a business insurance policy that strikes an equilibrium between protection and financial feasibility.
In this journey, the objective isn’t solely to preserve monetary resources through premiums. It is an endeavor to ensure your business stands fortified against the looming specter of financial losses.
Armed with research, a tapestry of quotes, and a repertoire of sagacious strategies, the pursuit of a policy that balances economy with sufficiency is well within your grasp.
Through diligence today, you pave the way for prosperity tomorrow.
For more information or to obtain a quote, please contact a Washington contractors’ insurance specialist at (866) 805-3800. | https://contractorsinsurancecompany.com/cheap-liability-insurance-for-washington-contractors/ | 1,868 |
Fireworks are often seen during Independence Day celebrations, and they have been thrilling audiences for centuries. You’ll find photographs of past fireworks displays in the gallery below, which were submitted by readers. Take a look at their amazing effects and then enjoy! This article contains valuable information about fireworks safety. Whether you’re looking for information on fireworks safety, or to purchase fireworks for your next celebration, you’ve come to the right place. Read on to learn More inspiring ideas. Until the next time, happy fireworks! If you have almost any issues about exactly where along with the best way to utilize fireworks for sale, you can e mail us from our own page.
Fireworks can be categorized according to their size, composition, pyrotechnic contents, and chemicals. They are classified differently in different jurisdictions, but these basic types have some commonalities. The United States, for instance, uses two classifications: Display and Consumer. The Consumer Product Safety Commission regulates these classifications. Fireworks intended for public consumption must be safe to touch. Commercial fireworks can often explode, or become smoldering.
Safety is important, despite the many benefits of fireworks. Some substances, such as heavy metals and sulfur-coal compounds, may be found in the smoke and dust from an explosion. While these elements might contribute to acid rainfall, their overall impact is unknown. Also, consumer fireworks leave behind large amounts of solid debris, which includes many plastics that are not biodegradable. Even though there are concerns about safety and pollution fireworks continue to be popular.
Depending upon how you set the fireworks, there are many patterns you can create by changing the amount powder you add to the firework. The star pattern is the first and most spectacular. A central gun powder charge placed inside a firework creates a star-shaped pattern. The second, which is less spectacular, uses stars arranged in a circle around a black powder charge. To prevent momentum from being lost completely, however, the pattern must be balanced with explosions on either side.
Despite the loud bang from fireworks, some fireworks are safe to use. The main fuse is what ignites the firework’s main part. Smaller fuses ignite the More inspiring ideas interesting parts. The fuse for a basic home firework is made from paper or fabric. It can be lit by a match or a cigarette lighter. The wirebridge fuseheads are an electrical contact that is used to light sophisticated fireworks displays. These fireworks are safer than manual ignition.
The manufacture of fireworks uses a variety of chemicals, from sodium salts to magnesium. To stabilize volatile elements, other chemicals are used, such as potassium Nitrate. The only spark colors that are available are red, yellow, gold, silver, and bronze. These substances can also make sparklers sparkly. Combining these chemicals with other chemicals results in bright, colored, and white shells. They are not toxic, but they can be absorbed through skin contact.
In their most basic form, fireworks are rockets that produce smoke, noise, and confetti. Some fireworks can burn in different colors or patterns. This is why people often have multiple kinds of fireworks going off at once. Fireworks are a tradition that has been in use since ancient times. Their origins lie in China, where they were made of bamboo stalks and gunpowder. They are believed to ward off evil spirits. When they explode, they produce brilliant colors.
If you have any kind of concerns pertaining to where and the best ways to utilize fireworks for sale, you could contact us at our own web-site. | https://historicbentley.com/3447-fireworks-gallery-entertainment-for-all-ages-02/ | 729 |
Fire safety should never be taken lightly. Fire is one of the most devastating natural phenomena that can ravage any establishment. Many lives have been lost to fire outbreaks that could have been averted if the individuals involved in the building knew the right things to do. Fire safety training is essential, and it is not limited to a particular group of people. It is a relevant training that should be taken seriously by everyone who works or lives in a building. In this blog, we will be discussing the do’s and don’ts of fire safety training.
Fire Safety Training
What Not to Do in fire outbreak
Panic: Panic is not the solution to any problem, including a fire outbreak. When there is a fire outbreak, it is normal to feel afraid, but it is important to keep calm and not panic. Panic will only lead to confusion, which can cause more harm than good. During a fire outbreak, always remember to Stay Calm.
Ignore the Fire Alarms: Fire alarms are installed in buildings for a reason – to alert people to the presence of a fire. Ignoring fire alarms is a dangerous decision that can lead to serious consequences. Whenever you hear a fire alarm, take it seriously and take the necessary actions.
Use the Elevators: Using the elevators during a fire outbreak is a terrible decision that could cost you your life. Firefighters advise against using elevators because they can malfunction during a fire outbreak, leading to gruesome accidents. If you are in a building when there is a fire outbreak, avoid elevators and use the stairs.
Return to the Building: Returning to a building while there is a fire outbreak is a dangerous decision that can lead to grave consequences. Fire outbreaks are unpredictable and can spread quickly, engulfing the building in a matter of minutes. If you leave the building, it is important to stay away until the firefighters give the all-clear signal.
Fire Fighting Training
What to Do in Fire Outbreak
Identify the Escape Routes: In case of a fire outbreak, it is important to identify the nearest escape routes. Most buildings have fire escape plans that are designed to guide people during a fire outbreak. So, take the time to locate the escape routes, and familiarize yourself with them, so that you are prepared in case of an emergency.
Use Fire Extinguishers: Fire extinguishers or fire sprinklers can be lifesavers during a fire outbreak. So, if you have been trained on how to use them, take advantage of the fire extinguisher training by attempting to put out the fire before it escalates. However, if you are not trained on how to use fire extinguishers or the fire has grown too large to be contained, leave the building immediately.
Stay Low to the Ground: Smoke inhalation is one of the leading causes of death during a fire outbreak. Staying low to the ground, where the air is fresher, can help you avoid inhaling toxic smoke. So, always crawl or stay low when evacuating a building during a fire outbreak.Evacuate the Building: Evacuating a building during a fire outbreak is crucial. Do not assume that the fire is not significant and that it will burn out on its own. Fires can spread rapidly, and every second counts, so it is important to evacuate the building as soon as possible.
Call for Help
In an emergency situation, always call for help. In the case of a fire outbreak, call the fire department immediately. Every second counts when it comes to fire, so do not delay in calling for help.
Fire Fighting Training is essential and should be taken seriously. Being aware of the do’s and don’ts will help you remain safe during a fire outbreak. So, take the time to learn more about fire safety and be prepared for any eventuality. Stay safe!
In conclusion, fire fighting training is indispensable, and it is essential that everyone takes it seriously. Every institution should ensure that its employees are appropriately trained in fire- safety and that fire drills are conducted regularly. While we hope that we never have to use the knowledge gained from fire fighting training, we must always be prepared for any eventuality. Remember, do not panic during a fire outbreak, identify the escape routes, use fire extinguishers only when you are trained, stay low to the ground, evacuate the building immediately, and call for help. | https://thereviewstimes.com/fire-fighting-training-what-you-should-not-do-and-what-you-should/?amp=1 | 893 |
Drama Free Business Insurance
Life is dramatic enough but getting your business insurance doesn’t need to be. At BizCover, we understand small businesses and the balancing act of trying to save both time and money, and while your to-do list may be growing, putting off your business insurance is one thing that cannot be pushed aside.
The reality is that accidents can happen at any time and the last thing you need to be worried about is dealing with a claim – now that’s really dramatic! It’s important to have the right types of insurance in place to safeguard your business and this is a vital step to staying in business for the long haul.
Incidents can happen in an instant, and the impact on your business’ finances and reputation can be devastating. From a customer accidentally tripping and hurting themselves at your business premises to a cyber attack on your digital systems, these are just some of the dramas that your business can do without.
With over 150,000 Aussie small businesses trusting us for their drama free business insurance needs, explore a hassle-free experience allowing you to:
- Pay your premium monthly or annually
- Save yourself time and money
- Receive your documents instantly upon payment
- Get online cover – no paperwork required
Insurance by Industry
At BizCover we understand there is no “one size fits all” solution for small business insurance, each business is unique so we provide different cover options for over 6,000 occupations across Australia. From dog groomers to café owners, tradies and IT guru’s, we make understanding and accessing the appropriate types of insurance for your business hassle-free.
As examples, if you work in one of the industries listed below, then having business insurance may be suitable for you.
Insurance Options to Consider
At BizCover, we make the process of getting business insurance as easy as possible. While you are busy growing your business, leave all that dramatic shopping around for your business insurance with us. We will provide multiple quotes from a great range of trusted Australian insurers, so you can compare policies and get covered quicker than you think. These are some insurance options you might want to consider:
Public Liability insurance*:
Public Liability insurance provides cover for your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Professional Indemnity insurance*:
Professional Indemnity insurance covers you for losses claimed by a third party due to actual or alleged negligence or omissions in your professional service or advice.
Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises as well as other cover options, when an insured event occurs (such as fire, storm, theft or even accidental damage). Some of the types of coverage options available include:
- Building*- if you own your business premises, then Building insurance is a type of coverage to Building Insurance covers your building if it is damaged by an insured event, such as fire, storm, malicious activity or other event as defined by the policy.
- Contents*- covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.
- Portable Equipment*- if you operate your business out and about then consider the importance of insuring your valuable equipment with Portable Equipment insurance. Portable Equipment insurance covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.
- Business Interruption* – provides protection for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).
It is important to note that Business Interruption cover is an additional cover option available when you take out a Business Insurance policy.
Personal Accident and Illness*:
Personal Accident and Illness can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of unexpected injury or illness (even if it occurs outside of your employment). *
Our Price Promise is Drama Free
Small business is big business to us. With our price promise, if you can provide us with a quote for a comparable insurance cover at a lower price, we will beat the price on offer or provide you with a full refund** so that you can save on insurance for your small business. Get a quote today, it only takes a few minutes.
** terms and conditions apply – click here to read more.
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. | https://www.bizcover.com.au/no-dramas/ | 1,027 |
The mid-January arctic blast that hit Texas sent temperatures plummeting 20 to 30 degrees below normal with areas of the Lone Star State below freezing for 80+ hours.
It was a stark reminder of the increasingly brutal winters in Texas, which are not only resulting in lower temperatures, but higher insurance and utility rates with homeowners expected to pay more for their policies again in 2024.
“Utility and insurance rates will likely make another upward jump in 2024 thanks to the historic winter storm that pulverized Texas nearly three years ago and the state’s volatile climate patterns,” reported the Dallas Morning News.
Texans, according to the publication, saw their homeowners' insurance rates rise 16.4 percent last year and a wallet-squeezing 50.9 percent rise since 2022.
“Historic Storms” Becoming Common in Texas
That 2021 historic storm may have felt like an anomaly at the time with Austin issuing its first ever wind chill warning, but the city also had two more wind chill warnings including during the January 2024 frigid weather.
“As Central Texas continues to deal with sub-freezing highs and lows in the teens…it could get worse. The added wind expected Monday night into Tuesday morning will make it feel like the single digits above or below freezing. This prompted the National Weather Service to issue a rare Wind Chill Warning– which is Austin’s third time in history,” reported KXAN.
The mid-January storm saw low temperatures across the state from Amarillo to Beaumont with wind chills of 2 degrees in College Station and 12 degrees at the beach in Galveston. There was more than two inches of snow in Coppell and freezing rain in Hill Country.
A second arctic blast in January on the heels of the first again challenged pets, plants, and pipes in Texas.
“Below-freezing temperatures can wreak havoc on a home or apartment's heating system, plumbing, or exterior features,” reported CBS News.
While this January’s weather was nothing like 2021 -- where the February storm almost knocked out the state’s entire power grid and caused hundreds of deaths and billions of dollars of damage – Texans are continuing to pay the price for this severe winter weather.
Texas Regulators Signed Off on 36 Double-Digit Insurance Increases in Q3
It was not good news for homeowners heading into this winter as S&P Global reported that “Texas regulators signed off on 36 double-digit rate increases in the third quarter, three of which were the most impactful hikes in the entire US during the period.”
S&P Global Market Intelligence analysis found approved rate increases of:
- Travelers Personal Insurance Co. (TX) 16.8 percent for a calculated premium change of $130.73 million.
- Texas Farmers Insurance Co. 15.1 percent for a calculated premium change of $123.30 million.
- Allstate Vehicle and Property Insurance Co 5.8 percent for a calculated premium change of $104.26 million.
The Dallas Morning News says that only Arizona has seen bigger home insurance rate increases.
Nerdwallet reported on Jan. 3, 2024, that the average cost of home insurance in Texas is $3,875 per year – more than double the national average of $1,820 per year.
While insurance companies have not pulled out of the state as some have in California and Florida after repeated natural disasters, the Dallas Morning News says that some insurance companies have stopped writing new policies in some high-risk areas of Texas.
The Factors Driving Higher Home Insurance Rates in Texas
The Dallas Morning News article cited three main factors driving the skyrocketing home insurance rates in Texas:
- High Cost of Reinsurance: Homeowners aren’t the only ones seeking insurance – so are your insurance companies as they attempt to limit their risks by purchasing reinsurance. Because of rising claims from repeated severe weather over the past several years, reinsurance entered in 2023 a “hard market”, a period of significant price rises. This hard market has continued into 2024 with Reuters reporting on Jan. 2 that U.S. property reinsurance rates rose by up to 50 percent on Jan. 1. Reinsurance prices are set at the beginning of each year and do not change over the next 12 months.
- Severe Weather Resulting in Big Losses for Insurance Companies: Despite spreading their risks, insurance companies have suffered a lot of major losses in recent years. In 2023, according to Reinsurance News, a hailstorm hit North Texas in March resulting in $1.6 billion in industry loss, and then in May, severe flooding caused another $1+ billion in losses. In total, there were 16 disasters in Texas in 2023 that cost $1 billion or more, a new state high for billion-dollar disasters in a single year. Hurricane Harvey in 2017, resulted in insurance claims paid nearing $20 billion, and the February 2021 deep freeze cost insurance companies more than $10 billion in claims.
- Increase in Cost of Construction Materials: It’s not just insurance companies that are contending with higher reinsurance and more claims to pay because of severe weather but the historically high inflation rates over the past several years have resulted in rising costs for construction materials. Higher construction materials matter because that means it will cost insurance companies more to repair or rebuild homes that have been damaged by fire, wind, hail, or other disasters. Insurance companies adjust their premiums based on how much they calculate it will cost to rebuild or repair a structure. The danger is that policyholders can be left underinsured if their insured value does not meet the cost needed to repair or replace their homes.
“Double-digit premium hikes. Higher deductibles. New coverage limits. Drones to check the state of roofs and yards,” the Wall Street Journal reported. “Home insurers are insuring less and charging more as they try to claw their way back to profitability after losing money in five of the past six years, analysts and insurance agents say.”
The bottom line? Money says “When your homeowners' insurance policy comes up for renewal in 2024, be prepared for an unpleasant shock: You’re likely to face a premium increase of 10 percent to 15 percent, and the price jump could be much higher if you live in an area where there's a risk of wildfires or severe storms.”
The recommendation(s), advice, and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential, or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property, or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking, or responsibility to you. The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.
The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you. The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you. | https://www.deandraper.com/blog/texas-winter-weather-woes-lower-temps-higher-insurance-rates | 1,672 |
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Encompass Insurance Brokers
For Business - 'Advised' or 'Non-Advised'.
'Advised' or 'Non-Advised'.
by Damien Cassin 06/21
Not all Insurance Brokers are the same of course but there is one important difference that many insurance buyers may not fully appreciate; Is their Insurance Broker offering a ‘non-advised’ or an ‘advised’ service? This short article looks at the difference between the two and aims to help you decide which service proposition best works for you and your business.
The ‘Non-Advised’ Proposition
I describe this as going to a market and ‘shopping for a can of insurance’. The insurance marketplace provides many products for a vast range of insurance covers. To simplify the transactions, brokers and insurers have worked together to provide insurance packages and wordings that are specific to certain trades or risk exposure – these are especially prevalent in the small business landscape and personal lines areas. The product seeks to provide all of the insurance coverage that you, the buyer, may require in one policy and suit the majority of your requirements in that particular area e.g. a small office, or sole trader’s policy.
The policies may offer various covers – all designed to meet the needs of the average insurance buyer with that business activity.
Most Brokers who provide a ‘non-advised’ service, offer these pre-packaged products – effectively what I refer to as the ‘can of insurance’. The Broker will offer to sell you this can if you want it but, most importantly, the Broker will not be able to provide you with any advice as to whether the contents of the can of insurance suits your business requirements. This decision rests with you. If you start asking questions of the Broker as to whether your business needs are met, the Broker will tell you that they are not permitted by the Insurance Industry’s regulator (The Financial Conduct Authority), to make a ‘recommendation’ to you – and probably read out a long, scripted message in the process. You will have to determine for yourself whether you are buying the correct cover for your business. If you feel that the offer does meet your requirements, you’re free to make the purchase. If you don’t, while some products offer the ability to tailor the cover, you may need to look elsewhere.
The ‘Advised’ Proposition
The Broker offering this service will first seek to understand your business and its likely risk exposures by gathering information about your business and its activities.
The Broker will then discuss the type and extent of insurance cover that might be available to you and approach a limited number of Insurers that the Broker feels will offer the best coverage at an equitable price. Then the Broker will make a ‘recommendation’ to you about what insurance products to purchase and with which insurer. Throughout the process, the Broker will share their knowledge, advise and guide you through the process so you are able to make an informed decision about any purchase you subsequently choose to make.
Unlike the ‘can of insurance’ approach, the insurance you purchase has been bespoke designed specifically to meet the needs of your business and you choose the ‘ingredients’ of your cover to suit you, after having had on hand, a trusted advisor with whom to discuss any technical issues and who has assessed the demands and needs of your business at a granular level.
So Which Option is Best for You?
It depends on your business circumstances but let’s address the ‘elephant in the room’ first, Cost.
The ‘non-advised’ approach is normally cheaper, sometimes dramatically so. The ‘advised’ process of demands and needs analysis, technical guidance and advice, obtaining different options from a number of insurers, having real people who are knowledgeable and accessible – all adds cost. Naturally, this cost is passed on to the buyer which results in higher insurance costs for the Advised service – if the premium spend is low e.g., Micro and SME products the Advised fees may well be a significant percentage of the overall spend.
Is cheaper better? Quite possibly. However, there are several factors to consider:
• When purchasing a non-advised product, you really need to be confident that what you are buying is suitable, so a reasonable understanding of the numerous types of insurance coverage that are available and how they work from a technical standpoint, is desired to make an informed purchase. See below* for our view on whether the requisite knowledge is prevalent among buyers.
• Be cautious of the TGTBT (too good to be true) offers online. The insurance marketplace is highly competitive so, for simple requirements, there should be many providers offering a similar product at a similar price. If one provider seems particularly cheap by comparison, it’s probably cheap for a reason!
• Check the small print! I deliver training to insurance industry employees and one of the questions I start by asking is: How often do people read what they’re agreeing to? It probably won’t surprise you that the responses show ‘almost never’! Our online life is littered with ‘Terms and Conditions’ for every service we utilise and very few people ever read these, hence the surprise when they realise that they have agreed for all their data to be sold to marketing companies! When purchasing insurance, the buyer is entering into a contract with the Insurer – the contract is the policy document which is why it is always signed by the Insurer. Most of these contracts are not only lengthy but also, can be quite technical for those without a solid foundation knowledge of the topic.
• For simple requirements like, say, a small Public Liability policy, an hour on the internet can yield a very basic understanding of the cover, a few options from various suppliers of ‘cans of insurance’ and you may well find a product that suits your needs. For many businesses, it may well be that the product being offered is fit for purpose, especially if their business activities ‘fit the box’ nicely, relative to the package being offered. Also remember that any questions you answer or statements you agree to will form part of the contract you are entering.
• There might be a ‘safety in numbers’ approach. For example, if there is a trade association of ‘widget’ installers and that association has an affinity with a Broker and Insurer to offer a bespoke insurance policy to thousands of its members, market forces dictate that the value and coverage of the policy is probably pretty good. Such partnerships with a captive audience are fiercely fought over by Brokers and Insurers and this competition yields decent products at low cost for the buyer. Be cautious if any of your business activities do not ‘fit the box’ as it is possible that the product may not offer the appropriate cover.
• Non-advised products are often available for purchase online or over the phone as they tend to be simple transactions; The buyer provides some basic information, the can of insurance is offered and, providing your business can ‘tick all the boxes’ and you confirm that you are happy to take on the assessment of whether the cover being offered meets your requirements, cover be purchased on-the-spot, sometimes 24/7 via online services. Given the way the ‘advised’ process operates, it might take weeks to go through the process as it can be very detailed and involve numerous parties.
You have probably already worked out by now that they key factor is whether you know enough about the subject material to be able to make an informed opinion. Only you can decide of course! However, there are not many of us who know what we don’t know. Therefore, in my opinion, the percentage of buyers that enter contracts that are not fit for purpose is high, possibly even spectacularly high. It’s virtually impossible to measure of course, to do so would involve auditing every insurance purchase but, it is something that I’m prepared to posit based on just one simple statistic - there are other reasons (see our technical articles for more info) – but this one estimate from RebuildCostAssessment.com is both enlightening and scary at the same time:
79% of UK Properties are underinsured and of these, the average building is covered for just 69% of the amount it should be….
*Now, forgive me for sounding harsh here but why should I think that the average buyer can accurately assess their liability exposures, their required indemnity period for Business Interruption, the importance of A.I.C.O.W. as opposed just I.C.O.W. and the impact that Conditions and Warranties might have on their cover (the list could go on….), when 79% of properties are not insured for the correct value? Whilst not easy to get right, setting the correct property sum insured is certainly one of the easier things to get right.
(For more information on how to declare an accurate building sum insured, click here.)
(For more information on what happens if you are underinsured, click here.)
O.K. so rant over. Sorry! There is a spot of good news; not many people have claims so most of the time, policyholders live in blissful ignorance. However, bearing in mind that, on average, there is £16m paid out by insurers in the UK per day (….for just Property claims!) claims are not exactly rare.
What then, should you do? Fortunately, it may not cost you anything (other than your time) to obtain some advice from an ‘advised’ Broker as most Brokers are more than happy to have an informal chat about your options and cover requirements so there’s no harm in making an enquiry with a suitable Broker – just check that they offer a fully advised proposition as it’s not always clear from the outset if they don’t.
Thank-you for taking the time to read this article and I hope you found it useful.
bottom of page | https://www.encompassib.co.uk/general-9 | 2,121 |
There is nothing better in cold weather than to warm up around the fire, feeling the heat of the fire. When people beautify the house, instead of the usual fire, they are increasingly choosing the fire pits. Currently, the most popular use of the fire pits outdoors.
Sitting around the fire on a chilly evening makes it special. Demand for the fire pits constantly growing.
Currently, a wide range of bowls is presented at the market. Indoor and outdoor versions are slightly different from each other, but in most there is the same basic design.
Let’s get some information about the popular Lowe’s fire pits.
Canyon Ridge W 50,000-BTU Brown Composite Propane Gas Fire Column
• Create ambiance in a snap with easy ignition and control knob
• Stylish and durable black granite top
• Stainless steel burner
• Includes lava rocks and protective PVC cover
50,000-BTU Dark Resin Slate/Brown Wicker Steel Propane Gas Fire Pit
• Stylish and weather-resistant resin wicker panel doors
• Durable resin mantel top with faux slate finish
• Great flame distribution for a beautiful outdoor experience
• Heat output up to 50,000 BTUs
• Table insert is included so you can set your drinks down and enjoy when not in use
• Includes natural lava rock
• Protective vinyl cover included
Antique Black Steel Wood-Burning Fire Pit
round deep fire bowl steel base construction
Dome shape screen with high temperature paint
Steel leg construction
Screen, tool and PVC cover included
Rubbed Bronze Steel Wood-Burning Fire Pit
• Protective mesh screen and fire poker
• PVC cover for dust and rain protection
45,000-BTU Brown Textured Steel Propane Gas Fire Table
• Matchless ignition
• Converts to table.
If you are planning to buy a “place for the fire,” now is the time to do it. The newest and most modern – there are so many different options, among which you will certainly be able to find one that will meet your needs. There are also portable fire pit rings. You can carry them with you when you go for a picnic or a hike. Furthermore, fire pit can be used as a cooking apparatus.
Fire pits may also brighten up summer evenings. They can be a great tool to help you enjoy the summer nights.
One of the most expensive options is the construction of a huge concrete fire pit. And they are usually for large areas can be designed according to your requirements. But, as we have said, they are made by order and are more expensive than any other fire pit on the market. Copper bowls are the most durable available on the market today. They are inexpensive, but generally lasts longer and most constructions are easier to clean and maintain. | https://www.firepitpics.com/peculiarities-of-lowes-fire-pits/ | 583 |
Insurance claims for property damage are complicated to navigate without experience. Your insurer usually requires an inspection of the property damage to determine your claim’s validity and an estimated cost of repair or replacement.
Most property owners are unfamiliar with how insurance claims work. It is not uncommon for people to have never filed an insurance claim in their past. Even when you have filed a previous claim, each one is different, and the circumstances can vary greatly. Our public claims adjuster in South Florida offers the following information on what to expect during the insurance claim inspection process.
A claim is filed- You have property damage, and then you file an insurance claim against your policy. Once you contact your insurer, an agent handles the claim and assigns it with a claims number to refer to.
The insurance company evaluates your claim- The claim is evaluated by sending a claims adjuster to inspect the damage to your property. Videos or photos of the damage may be used to approve the claim if it is simple or small.
The insurance company approves or denies the claim you have made- When a claim is rejected, no payment is made toward your loss. When approved, your insurer may pay a repair contractor directly or send you a check to cover the cost of repairs or replacement.
Your claim is closed- Once the repairs are complete, and you have received compensation for your loss, your claim is closed. Once this is over, your insurance company has fulfilled its obligation to make your loss whole after the incident leading to your claim.
Inspections are a part of evaluating your property damage claim. It will be denied or approved based upon the inspection. Your insurer may not require an inspection for minor claims. Instead, they may accept video and photo evidence of the loss without the need for a physical inspection of the loss.
However, an inspection is required before denying or approving your damage claim in most cases. An insurance adjuster will be dispatched to your property to evaluate the validity of your claim. Their goal is to investigate the damage, provide an estimate for repairs, and pay you the lowest amount they are legally required to cover on your claim based on your specific insurance policy.
Do not forget that insurers are for-profit entities, so their goal is to make profits and never pay more than they need to. Therefore, they will pay the least amount required by law to cover your damages based on your policy contract. In addition, their adjuster will look for clear signs of wear and tear, deliberate damage or fraud, and other situations that can reduce their liability.
The adjuster hired by your insurer may visit your property more than once to inspect the damage. The initial inspection evaluates losses, but they may also visit after repairs are made to review the repairs. Here is what to expect from the inspection.
The adjuster assigned to your case will inspect the damage and verify whether the claim is valid. They may also request an inventory or a list of damages. You should provide them with this list and any receipts for expenses you have incurred. Do not clean or get rid of anything until the adjuster has visited your property. It can be helpful to take pictures or videos of any damages you intend to claim. They will inspect your property for structural damage or any signs of intentional damage or fraud.
This is an overview of the insurance inspection process after filing a claim. Contact us today if you need the assistance of a public claims adjuster in South Florida. We are here to help! | https://www.fivestarclaimsadjusting.com/southflorida/blog/2022/property-claim-insurance-inspections.html | 703 |
With the arrival of warmer, sunnier days, your first reflex may be to save energy by turning off your boiler and radiators. Summer often entails going away on holiday and in this case, when the house is empty, it may seem unnecessary to leave your boiler on. But is it a good idea to switch your boiler off this summer?
How does a gas boiler work?
The term gas boiler applies to several different boiler models. When choosing a boiler there are many factors to consider: the surface area and layout of your home and the price.
Condensing boiler: this type of boiler burns gas, using the energy from the water vapour produced to heat the home. Economic and environmentally friendly, these boilers also offer high performance.
Low temperature boiler: this boiler uses the same system as a classic gas boiler, the only difference being it works at a lower temperature. In terms of energy, it is highly efficient.
Water heating technology
Storage combi boiler: these boilers are characterised by their ability to provide both heating and hot sanitary water (a traditional boiler is only capable of transmitting energy to heat the home). The water is stored in a tank where it is kept at a constant temperature. Capable of holding up to 30 litres of water, this heating system is ideal for those who require greater quantities of water.
Micro-boiler: this system uses a small hot water tank (no more than 10 litres) to provide hot water instantaneously. This immediate reaction makes it a favourable option for saving energy. However, these boilers are slightly more expensive than other options. Micro-boilers are considered a hybrid between an instantaneous boiler and a storage combi boiler.
Instantaneous boiler: unlike a storage combi boiler, an instantaneous boiler doesn’t store hot water. Instead, hot water is produced only when required by the user. This system is best suited to those with low energy consumption, for example a 2- or 3-person household.
No matter what boiler you choose, maintenance is essential and must be carried out once a year. A recommended option is taking out a boiler maintenance contract. However, the cost can vary depending on the age of the boiler and the chosen supplier. The best season to carry out boiler maintenance is spring or summer.
Is turning your boiler off during the summer efficient?
Turning your boiler off may seem a good way to protect your home, especially from a potential gas leak.
However, contrary to popular belief, there’s no need to turn your heating off during summer or when you are away on holiday. In fact, doing so can hinder its performance and encourage bacteria growth, making your boiler more difficult to maintain. Re-lighting a boiler also consumes a large amount of energy – certainly not ideal!
When you start to notice warmer weather, you should activate “summer” mode instead. Boilers generally have two modes: “summer” and “winter”. Another possible solution is selecting the “hot water only” option.
It’s important to switch modes according to the season and temperature as this will maximise your heating, allowing you to benefit from increased comfort, reduced energy consumption and, most importantly, cheaper bills! If your boiler is relatively modern, it should have temperature sensors allowing it to automatically switch to summer mode.
Should you switch your boiler off at night?
The conclusion is the same as above, turning your boiler off at night isn’t the most efficient option. Doing so consumes a lot of energy as once “cold” even more energy is required to heat the water up again. For this reason, it’s better to keep your boiler at a constant temperature. The colder your home, the more energy the boiler will consume. Optimal thermal insulation is a particularly efficient solution to avoid heat loss.
The Netatmo Smart Thermostat allows you to control your heating remotely for maximum energy savings. The Netatmo thermostat also offers a heating program adapted specifically to your daily routine. The program takes account of the outside temperature and home insulation system to heat your home as accurately as possible.
Remember, the flame of the pilot light must remain lit at all times. If not, your boiler won’t work properly.
In summary, turning your boiler off at night or during the summer isn’t the most economical solution! Activating summer mode towards the end of spring and then switching back to winter mode once summer is over is a much smarter approach. Finally, to achieve maximum home comfort consider the quality of your home insulation. | https://www.netatmo.com/ja-jp/comfort-guide/should-you-turn-your-gas-boiler-off-this-summer | 946 |
You've probably heard that you need life insurance but aren't quite sure what it's, what the benefits and drawbacks are, or where to start. Luckily, you're in the right place.
Life insurance coverage is an important aspect of an entire operating plan – available online for with emergency savings, retirement contributions and paying off debt. For most people, helping to financially protect family members in the event of premature death is crucial importance. And, the best part? It does not need to be expensive.
Sometimes, life insurance could be confusing. So today, we're wearing down exactly what life insurance is and how it works.
How does life insurance work?
Life insurance is an agreement with an insurance company that helps financially protect your family if you perish. You have to pay your lifetime insurance premiums, and, if you pass away while coverage is in place, the life insurance company pays a lump sum (known as a death benefit) to the beneficiary or beneficiaries you designate.
Depending how your beneficiaries opt for it, the life span insurance policy's death benefit might help them pay for such things as funeral costs, help meet the costs of day-to-day living or be put toward future expenses.
Do I want life insurance?
Most likely. The majority of us do.
The most of adults need life insurance coverage to assist purchase debts like a mortgage or education loan, help replace lost income if you're married and have children, to offer some stability for your company if you're a business owner, or to provide a safety net for other dependents. It is also a pleasant aspect to help relieve financial stress on your loved ones during an already difficult time.
The question you need to ask yourself is whether or not you have people who depend on you financially. If the response is yes, then you probably need life insurance coverage.
Common kinds of life insurance
Three common kinds of life insurance coverage are term, whole and universal.
Term life insurance
Term life insurance provides coverage over a certain time period (the policy term), usually 10, 15, 20, 25, or 30 years, for any fixed monthly premium. If you pass away following this period and you've got not extended your coverage, your beneficiaries will not receive payment. This type of insurance almost always is an affordable option and provides a layer of financial protection within the years it might most be needed – while raising chlidren, or that number of the mortgage obligation, for example.
Whole life insurance
Whole life insurance coverage is permanent insurance, meaning it provides coverage for life, no matter how long you reside, as long as you pay your life insurance costs promptly. It also includes a growing cash value on a tax-deferred basis that may improve your beneficiary's ultimate payout with time and provide a cash value amount you are able to borrow against. Bear in mind, however, that use of cash values through borrowing or partial surrenders will lessen the policy's cash value and death benefit, boost the chance the policy will lapse, and may result in a tax liability when the policy terminates before you decide to die.. Permanent life insurance policies are much more expensive than term life, but the additional features can attract those who foresee an excuse for coverage over their entire lifetime.
Universal life insurance
Like whole life, universal life insurance coverage is another kind of permanent insurance, meaning it is made to last one's entire lifetime while offering flexibility so that you can, within certain limits, choose how much premium to pay for (so long as there's enough value inside your policy to pay for the cost of insurance and administrative costs). Commonly known as as “adjustable life insurance,” you will find the choice from a fixed death benefit, like term life insurance, or an increasing one similar to whole life insurance. You may also change premium amounts, adjust your coverage amount, or use the cash value to assist pay your lifetime insurance costs.
Which type of life insurance suits me?
For people seeking to put an adequate amount of coverage in position affordably, term life insurance is usually a sound choice. Term life offers you options so that you can select a coverage term (10, 15, 20 or 3 decades) when ever you may need it the most – like while your kids are young or when you are still paying down your house and saving for retirement. You might be surprised to learn, for example, that a 35-year-old man in excellent health might get a 20-year, $500,000 Haven Term policy, from MassMutual, starting at $23.34 per month.
More expensive permanent life insurance policies – like whole and universal – could be cost-prohibitive for many or may lead to people purchasing less coverage to ensure that the premium pricing to fit into their budget. However, for individuals who want lifetime coverage and may afford higher life insurance premiums, these cash value policies can accumulate money you can use nevertheless, you want.
How much life insurance coverage will i need?
A common rule-of-thumb is that you must have life insurance coverage comparable to Five to ten times your annual salary. But while that is a good starting place, the precise amount of insurance coverage you'll need depends upon your personal circumstances.
If you've got a large mortgage or you wish to provide for your kids' college education, you might need a larger policy, and perhaps a longer term. Alternatively, a high level stay-at-home parent, a multiple of your annual salary may not be enough. You will need to consider what expenses your spouse should pay in your absence, like childcare and residential upkeep.
However, these answers only tackle the coverage amount. If you are considering term life insurance, the duration for your coverage term is another consideration.
Typically, people select a term for that time period once they think they'll need coverage probably the most, such as until your kids are out of the house, when large debts will be repaid, or until you intend to be self-insured through retirement along with other savings.
The simplest way to ensure that you have the right amount of coverage for you is to use a web-based life insurance coverage calculator to obtain a personalized recommendation.
How much does life insurance cost?
Life insurance policies are priced based on the amount of coverage you would like, type of coverage, the size of that coverage and what the insurer sees as the risk of death throughout the coverage period. Usually, a term life policy will be the least expensive option.
For example, a 35-year-old woman in excellent health can purchase a 30-year, $500,000 Haven Term policy starting at $35.40 monthly. A 20-year term for that same woman starts at $20.32 per month. You can get a sample quote for the coverage needs here.
When determining your pricing, one of the most key elements is the current health. Along with your present health, your health background, family medical history, lifestyle choices and income will also be considered. Smokers, for example, pays much more for a lifetime insurance than nonsmokers. Individuals with very high-risk hobbies, like BASE jumping, may not be capable of getting coverage whatsoever.
Once you're approved for coverage, you have to make regular payments to keep your contract active. Health issues that arise after your policy is in effect can't alter the price or relation to your policy.
Remember: The very best life insurance pricing is usually achieved the younger and healthier you're. So, knowing you need coverage, the optimum time to purchase it is now. Plus, today's life insurance coverage is cheaper than ever before.
How to obtain life insurance
Applying for and getting dependable term life can be quite simple. Actually, you can apply on the internet and, if approved, start coverage today with solutions like ours at Haven Life.
You'll fill out a brief form in regards to you, as well as your gender, age, weight, whether or not you smoke plus some other medical history. Then, you'll get an instant decision on if you're eligible. In some instances, you won't need to take a medical exam, so you might have your final rate and coverage started immediately. (Keep in mind: It's very important to be truthful when completing the applying. The issuance from the policy or payment of benefits may rely on the answers succumbed the applying and their truthfulness.)
If a medical exam is required, you are able to go at any given time and place of your convenience. At Haven Life, we aim to make taking a health check as easy as possible. An experienced paramedic will come to some host to your choosing. You may expect him or her to examine your family's health background, measure your blood pressure level, height and weight, and collect blood and urine samples.
Life insurance for the peace of mind
With an intangible product like life insurance, it's not hard to question if it's worth it. The answer, though: absolutely.
While there's no monetary value you can put on peace of mind, for many, knowing you've financial protection in position for your family is everything. | http://allinsurance247.com/life-insurance/5087.html | 1,868 |
Fires catch people by surprise. There is typically little warning to when they will happen and they are a big cause of major damage. Whether a nearby forest has caught fire and it spread to your home, a gas explosion happened, a mishap while cooking resulted in a kitchen fire, a neighbor’s home caught fire but your home received smoke damage, a heater malfunctioned and caught fire, or your home was even struck by lightning, you may be in need of counsel and advice to navigate the complicated world of insurance and claims. At American Premier Claim Consultants, we can help you find out if you have received the amount they should be paying.
Fires can cause serious damage and that is something that most people realize, but sometimes it may cause hidden damage that you didn’t even know could be paid for by your insurance. That is where we come in at American Premier Claim Consultants. As experienced public adjusters, we can make sure that you don’t end up losing big through this experience. Because we have worked in this field for so long, we know what types of things and damage to look for that are difficult to find for the untrained eye.
No one should have to pay big for something that is out of their control. There are several different ways that fire can cause damage and some may be surprising. To ensure that you get your home recovered and repaired, it is important to understand how fire may have caused damage to your home and how you have a right to your claim.
Following are some ways that your home may have received damage from a fire:
The fire may have burned through walls or the roof causing the need for repairs
While there may not be extensive damage, the fire may have left a strong odor that you just can’t get rid of
Soot may be covering all your furniture, carpets, and walls
Fires may cause hidden damage to your electrical system and pipes | https://americanpremierclaims.com/fire-damage/ | 396 |
Atos opinion paper outlines the digital trends powering smarter, greener and safer insurance
London – 29 June 2022
Atos today publishes its latest opinion paper, Digital Vision: Digital Insurance, in which it examines the most pressing issues facing insurers globally today and the key trends transforming the digital future of insurance, from emerging security threats and regulatory changes, to increasing consumer expectations and demands to respond to the decarbonization agenda.
Bringing together expert views from Atos and organizations such as RSA Insurance and Keoghs, the paper outlines the pragmatic business strategies and digital technologies insurers must embrace to keep up with the rapid pace of change in the sector and make insurance smarter, greener and safer.
Articles will present practical ideas, knowledge and guidance on how insurers can modernize legacy operations, meet changing consumer expectations and respond to new environmental risks through adopting technologies including the cloud, data analytics, AI and supercomputing – all of which can be directly applied within individual insurance businesses.
It will also look at external drivers like the industry’s move towards Open Insurance and digital ecosystems that are focused less on the insurer and much more on the customer, as well as how insurers can limit their exposure to carbon-intensive sectors and use data to inform future investments that prioritise sustainability.
Carol Houle, SVP, Global Head of Financial Services and Insurance at Atos, said: “Disruption is not new to the insurance sector, but what is new is that for the first time a series of significant disruptions have occurred almost simultaneously while the world has experienced a hugely accelerated shift to digital as a result of Covid-19.
“This is a truly pivotal moment for insurers, and the sector’s ability to adapt and innovate will ultimately help to power progress for society over the next decade. Our Digital Vision: Digital Insurance paper will offer practical approaches to help insurers define and adapt their business strategies to thrive in this fast-paced digital world and make insurance smarter, greener and safer.”
Ahmed Sheikh, Director of Digital at RSA Insurance Group and contributor to the paper, said: “All too often, large insurance firms are seen as unable, or perhaps unwilling, to adapt and deliver digital innovation. Yet were they to do so, the effect on millions of customers would be on a scale that surpasses that of multiple InsurTechs combined.
“In Digital Vision: Digital Insurance, I explain that all it takes is for some of the major players to change the way they think about disruption. Rather than look outward at all the new products launched by InsurTechs, there is an argument that looking inward at existing customer journeys could yield significant value – both in terms of customer retention and brand reputation. A shift in mindset towards customer journeys could deliver the impact that the term ‘digital innovation’ actually implies.”
The Digital Vision: Digital Insurance paper builds on the experience of Atos as a leading digital partner to many of the world’s banking, capital markets and insurance companies, providing integrated technology solutions that help financial services providers prosper in a rapidly evolving digital world.
Over the past year alone, Atos has secured a broad range of banking, insurance, pensions, and capital markets contracts across multiple continents. Examples include the selection of Atos by mutual insurance company MC Mutual for the maintenance and renewal of its application infrastructure, and an extended agreement to accelerate transformation with Dutch insurer VGZ. | https://atos.net/en-gb/2022/news-en-gb_2022_06_29/atos-opinion-paper-outlines-the-digital-trends-powering-smarter-greener-and-safer-insurance | 700 |
It may be possible to claim compensation for a motorcycle accident injury if the accident was caused by someone else’s negligence or wrongdoing.
In order to claim compensation, you must be able to show that the responsible party knew or should have known about the hazardous condition that caused your accident, and that they failed to take appropriate action to prevent the accident. This can include the driver of another vehicle, a road maintenance company, or any other party who was responsible for maintaining safe road conditions and ensuring that your accident did not occur.
It is important to consult with an experienced personal injury attorney to determine if you are eligible to pursue a claim for compensation and to receive the full and fair compensation that you deserve. Attorney Hawk can match you to pre-vetted local motorcycle injury attorneys to check your rights.
What are the most common injuries from motorcycle accidents?
The most common injuries from motorcycle accidents include:
- Head injuries: Head injuries, such as concussions or skull fractures, are common in motorcycle accidents.
- Neck injuries: Neck injuries, such as whiplash or spinal cord injuries, can occur in motorcycle accidents.
- Chest injuries: Chest injuries, such as rib fractures or punctured lungs, can occur in motorcycle accidents.
- Abdominal injuries: Abdominal injuries, such as organ damage or internal bleeding, can occur in motorcycle accidents.
- Pelvic injuries: Pelvic injuries, such as fractures or ruptured organs, can occur in motorcycle accidents.
- Upper extremity injuries: Upper extremity injuries, such as broken bones or nerve damage, can occur in motorcycle accidents.
- Lower extremity injuries: Lower extremity injuries, such as broken bones or road rash, are common in motorcycle accidents.
- Soft tissue injuries: Soft tissue injuries, such as bruises or lacerations, can occur in motorcycle accidents.
- Spinal cord injuries: Spinal cord injuries, such as paralysis or loss of sensation, can occur in severe motorcycle accidents.
- Amputations: Amputations, or the loss of a limb, can occur in severe motorcycle accidents.
What are the most common causes of motorcycle accidents?
The most common causes of motorcycle accidents include:
- Speeding: Speeding is a leading cause of motorcycle accidents, as it reduces a rider’s ability to control their vehicle and react to potential hazards.
- Drunk driving: Drunk driving is a common cause of motorcycle accidents, as alcohol impairs a rider’s ability to make safe decisions and operate their vehicle.
- Distracted driving: Distracted driving, such as using a cell phone or looking at a GPS device, is a common cause of motorcycle accidents.
- Poor road conditions: Poor road conditions, such as potholes or uneven surfaces, can contribute to motorcycle accidents.
- Inclement weather: Inclement weather, such as rain or fog, can make it difficult for riders to see and control their vehicles, leading to accidents.
- Defective motorcycles: Defective motorcycles, such as faulty brakes or tires, can cause accidents.
- Inexperience: Inexperience, such as lack of proper training or unfamiliarity with motorcycle handling, can cause accidents.
- Aggressive driving: Aggressive driving, such as tailgating or weaving in and out of traffic, can cause accidents.
- Failure to yield: Failure to yield, such as not yielding the right of way to motorcycles, is a common cause of accidents.
- Lane splitting: Lane splitting, or riding between lanes of traffic, is illegal in many states and can cause accidents.
What is the average payout for a motorcycle accident lawsuit in California?
The average payout for a motorcycle accident in California depends on several factors, including the severity of the injuries and the parties involved. Some common types of compensation in motorcycle accident cases include:
- Medical expenses: This can include the cost of hospitalization, surgeries, medications, and rehabilitation.
- Lost wages: If the accident prevents the victim from working, they may be entitled to compensation for lost wages.
- Pain and suffering: Victims of motorcycle accidents may be eligible for compensation for the physical and emotional pain and suffering caused by the injury.
- Loss of consortium: If the accident affects the victim’s ability to have a relationship with their spouse or family, they may be able to claim compensation for loss of consortium.
- Wrongful death: If the accident results in the victim’s death, their family may be able to claim compensation for wrongful death.
The average payout for a motorcycle accident in California will depend on the specific circumstances of the case and can vary widely. A personal injury attorney can provide more information on potential compensation for a motorcycle accident.
Does health insurance cover motorcycle accident injuries?
In general, health insurance will cover injuries from a motorcycle accident, just as it would cover injuries from any other type of accident or illness.
However, the specific coverage and benefits of a health insurance policy will depend on the policy itself. It is important to check with your health insurance provider to determine what is covered and what is not. In some cases, health insurance may not cover the full cost of motorcycle accident injuries, and the victim may need to seek additional compensation from the responsible party or their insurance company.
What percentage of motorcycle riders get in accidents?
According to the National Highway Traffic Safety Administration (NHTSA), motorcycles are involved in about 14% of all traffic fatalities, despite making up only about 3% of registered vehicles. This means that motorcycle riders are about 26 times more likely to be involved in a fatal accident than passenger car occupants.
What state has the most motorcycle accidents?
According to the National Highway Traffic Safety Administration (NHTSA), California has the most motorcycle accidents of any state, with 2,829 fatalities in 2019. This is followed by Florida with 2,421 fatalities, Texas with 1,720 fatalities, and Pennsylvania with 879 fatalities.
When do most motorcycle accidents occur?
Most motorcycle accidents occur in the summer months, from May to September.
This is due to the increased number of motorcycle riders on the roads during these months, as well as the favorable weather conditions for motorcycle riding.
The peak time for motorcycle accidents is on weekends, between the hours of 3 p.m. and 9 p.m. This is likely due to the increased traffic and leisure activities during these times.
Is lane splitting legal in California?
Yes, lane splitting is legal in California. In 2013, the California Highway Patrol (CHP) issued guidelines for lane splitting, stating that it is legal as long as it is done in a safe and responsible manner. However, lane splitting is still considered a controversial practice, and some motorists and lawmakers have called for it to be banned. | https://attorneyhawk.com/knowledge-base/motorcycle-accident-injury-lawyers/ | 1,386 |
Driving means taking a chance; driving is a risk. Each and every single time you take to the roads in a vehicle of any sort, you could be involved in an accident that could damage your car, and when that happens, you need to call your car insurance company to file a claim in order to receive reimbursement. Because accidents can cause an array of types of damage, your claim may include stolen property as well as bodily, property, and vehicle damage. Regardless of the types of damage for which you file for reimbursement, you should follow a certain process.
When To File Your Claim
Any time you are involved in any type of traffic collision, you should contact your car insurance company. Additionally, if your car is vandalized or stolen, or if your vehicle becomes damaged in an event unrelated to any type of traffic accident (such as in a fire or severe weather), you might want to consider filing a claim.
For a free legal consultation, call (404) 888-8888
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How To File Your Claim
Call your insurance company or agent using the phone number shown on the front of your insurance card (you may also find the contact information online or in your insurance policy documents).
When you call, you will need to know or have access to the following information so you can provide it to the insurance company or agent:
- Your full name
- Your policy number
- The start and end dates of your current policy
- The date and time of the incident for which you are filing a claim
- The contact information (names, addresses, and phone numbers) of drivers, passengers, and witnesses to the accident
- Drivers license and license plate numbers for all drivers involved in the accident
You may also be required to detail the events of the accident in a sworn statement that you complete and submit to your insurance company or agent; it should include details such as the date and time of the accident as well as driving conditions like weather and the amount of daylight at the time. Be sure to include descriptions (and pictures, if you have them) of any injuries and damage resulting from the accident.
Steps Of Filing a Car Accident Insurance Claim
After you call your car insurance company, your case will be assigned to an agent, a professional who will review and work on your claim. You should meet with the agent assigned to your claim to discuss your situation and the coverage you have. Your agent may inspect your car and do research regarding your and other parties’ claims of injury, and you may receive an initial payment. If the damage done to your vehicle warrants it (i.e., if it would prevent further damage or loss), your insurance company or agent may ask you to have temporary fixes performed on your car while you are waiting for reimbursement. Make sure that the temporary fixes performed are not permanent, as they may not be reimbursed. Always maintain records and receipts (including costs to seek medical treatment and to fix your vehicle) as they apply to your car accident. As your case resolves, you may receive additional payments.
1. File a Claim
The first step after any car accident is to file a claim. Generally, you will file the claim with the negligent driver’s insurance company. The driver will likely already have contacted his insurance company and they may contact you to discuss the accident. You should also report the accident to your own insurance company so they have a record of the incident. In cases where both parties are partly at fault, the insurance companies may negotiate together to come to a resolution.
2. Accident Investigation
Accidents happen very quickly and even though you may feel that you know what happened, the accident needs to be investigated. One of the key reasons for an investigation is to get proof of the cause of the accident. The negligence of the other driver must be proven. This can be done through a variety of methods, including reading the police report, speaking to witnesses, viewing video camera footage of the accident, visiting the scene of the crash, and other options.
In some cases, it is necessary to conduct a professional accident reconstruction. The insurance company is responsible for investigating the crash. However, you and your attorney will want to conduct a separate investigation.
3. Gather Documentation
You have likely been going through a lot of stress and pain throughout the recovery process. One thing that is essential is that you keep extensive records of your medical treatment and care. Request a copy of every medical record and evaluation along with copies of all your medical bills. You also need to keep copies of all medications that you obtained and any other treatments that you received, such as physical therapy. You need records from every doctor or facility, regardless of whether you paid for them at the time.
It is also necessary to keep documentation of any other costs associated with your claim. For example, if you missed work for a period of time due to your injuries you will need to have proof from your employer as well as documentation showing your regular wages. The negligent party should be responsible for any and all expenses that you incurred due to the car accident.
4. Settlement Negotiations
Most car accident claims are settled outside of court. Settlement negotiations occur between you and the insurance company. If you have legal representation your attorney will negotiate the settlement. It is often much better to have an experienced Georgia personal injury attorney handle negotiations than to try to do so yourself. You will find that the outcome is often much better and you will also have less stress and aggravation. In some cases, a settlement cannot be reached. If that happens, the case may need to go to court for a resolution.
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Hiring A Car Accident Attorney
In some cases, you may consider hiring an attorney that specializes in accident claims if you were injured, as they may help expedite the process of filing your claim and receiving reimbursement. Bader Scott Injury Lawyers is very experienced in car accident cases and can help you get the compensation you deserve.
Bodily Injury Coverage
If the accident was not your fault, then the other driver’s bodily injury liability coverage will usually cover the costs incurred from the injuries you sustained in the accident. If you are a resident in a no-fault state, your personal injury protection (PIP) coverage will cover the costs. Atlanta, GA does not have no-fault laws, so you are responsible for the cost.
Other coverage you may have can help pay for your injuries, too:
- Medical payments coverage can provide reimbursement for funeral costs as well as medical coverage for your passengers; it can also help pay for medical expenses related to injuries you sustained if a vehicle hit you while you were walking, running, or biking. Medical payments coverage can include accident-related dental costs, too.
- Uninsured or underinsured motorist coverage can help pay for medical costs related to an accident when the other driver carries no insurance or not enough to cover your costs.
Before you choose to raise your minimum deductible or buy the above-mentioned optional medical coverages, you should think about using the health insurance you already have in order to cover your accident-related injuries.
Handling a Bodily Injury Claim
If you get hurt in a car accident, you should do everything you can to make your personal injury claim easier. Here are some things that may make the process go smoother for you:
- Take pictures of everything, including any and all damage done (including your injuries).
- File a police report; once filed, request a copy of the report.
- See a doctor for your injuries.
- Record everything! Be sure to make note of any work time you had to miss due to your injuries (this will be necessary if you are considering filing a claim for any lost wages).
- Contact Bader Scott Injury Lawyers for your Atlanta, GA car accident injury claim.
- Never admit fault at the scene.
Property Damage Claims
Depending on the cause of the damage and your own coverages, you may be able to file a claim for the repair of your vehicle.
Did you know that liability property damage coverage does not cover damage done to your car? Many states require it, but it only pays for damages you caused to someone else’s car in an accident it was determined that you caused. Generally speaking, only two types of coverage pay for the damage done to your vehicle:
- Collision coverage
- Comprehensive coverage covers damage done to your vehicle caused by events unrelated to traffic such as severe weather or vandalism
Types of coverage that pay for damage done to property include:
- Uninsured and underinsured motorist property damage coverage – If the driver responsible for the accident you were involved in doesn’t have car insurance, this type of insurance will reimburse your accident-related expenses.
- Gap insurance coverage – This type of insurance covers a car rental or lease when your car was declared a total loss due to damage in the accident.
- Windshield or glass coverage – When your windshield or any other glass on your car is damaged in an incident, this coverage will reimburse you for replacing it.
Handling a Property Damage Claim
After you have filed a claim for damage to your vehicle, an insurance adjuster will carefully inspect it to estimate the cost to make repairs. Taking into account the deductible amount on your car insurance policy, your insurance company will then give you a check for the amount they have determined it would take to return your car to the same working order.
If your vehicle was damaged, you should do the following in order to have your claim processed most effectively:
- Report any damage immediately. Your insurance company may offer a variety of options for how to do this, including by phone, in person, or online.
- Be sure to get any other drivers’ insurance information, and give them yours.
- A representative from your insurance company should inspect the vehicle before you make any kind of repairs.
- If necessary, make only those fixes that will prevent any further damage to your vehicle. If you fail to do so, your insurance company might not reimburse you for the damage.
- Save all documentation, including receipts for fixing your car; submit it to your insurance company.
- Provide your insurance company information any time they request it. Refusal to cooperate could spell denial of your claim.
If you were injured in a car accident or need help getting the insurance company to pay for damages, contact Bader Scott Injury Lawyers at (404) 888-8888 for a consultation. | https://baderscott.com/faqs/how-to-file-a-car-insurance-claim/ | 2,239 |
What Is a Condo Insurance Policy?
You spend your next 20-25 years buying a home. And it can serve your generations to come.
Ask any Canadian, and they love their condominiums. Protecting its contents and assets is the number one priority for most of us.
It prompted the insurance companies to develop an entirely new optional insurance product, the “Condo Insurance.”
A condominium insurance policy protects you from financial losses by covering most of your assets and events related to your condominium.
What does Condo Insurance cover?
Below is a list of events covered by a typical condominium insurance policy:
|• A condo insurance policy covers all your expenses incurred in renovating or improving your condo, such as:
a) Installation of new cabinets or countertops
b) Replacing the damaged hardwood floor
c) Applying new coverings on the walls, crown moldings, etc.
• It must also be noted that there are a few condo corporations that will require you to do flooring and install countertops.
• In such a situation, your condo insurance policy will help you to cover such expenses as well.
• The coverage limit starts from around $2500
|• Be it your assets or any specialty property inside your condo, this policy covers it all.
• The damages sustained by your furniture, clothes, electronic equipment, and other household assets are covered by the condo insurance policy
• Theft, loss by fire, and damages due to natural calamities are some of the valid reasons covered under this policy
• The coverage limit starts from around $20,000 and there is no upper limit
|• Imagine that one day you just rushed to your office and forgot to close your kitchen faucet
• This led to excessive water damage to the families living under your unit and they sued you
• A condo insurance policy protects you from all the third party damages and covers all such claims
• Usually, the coverage for third party liabilities is between $500,000 and $3,000,000
|Your Private Locker
|• The condo insurance policy considers your private locker as a part of your insured premises
• Hence, in case anything is stolen from it, a condo insurance policy will always compensate you
|• It is common for the condo corporations to make assessments against the individual condo owners when there is a lack of money in the reserve fund
• This largely happens when a single condo owner and his or her unit are responsible for damages and losses to the other units of the building
• In such cases, you might be required to make good the losses sustained
• A personal condo insurance policy can also cover all such special-assessment-losses protect you from steep financial losses
|Additional Living Expenses
|• At some point in time, your condo will undergo repairs, or maybe you can’t live in it simply because it has suffered damages
• This will require you to live in some other accommodation and pay the daily rent.
• A condo insurance policy covers this expense as well and protects you from the cost of temporary accommodation
• The coverage limit for this type of claim usually starts from $10,000
How Does Condo Insurance Work?
Let us understand this with the help of an example.
- Alex is a salaried professional. He has recently purchased a condominium in the Greater Toronto Area.
- One of his neighbors has advised him to buy out a personal condominium insurance policy to protect himself from unexpected financial losses.
- However, Alex decided not to buy the policy and thought it a waste of money.
- It was a Saturday, and Alex went out with his friends to have a late-night party.
- On the way home, some miscreants robbed Alex.
- He estimated the total loss of such theft was upward of $30,000.
|What If Alex Had a Condo Insurance Policy?
|What Is Happening When He Did Not Have a Condo Insurance Policy?
|• Subject to the coverage limit, Alex would have been compensated by the insurance company for the losses sustained by him
• Upon producing relevant documents, he would have got the reimbursement for $30,000
|• Since Alex does not have any condo insurance policy, he cannot claim his losses from anywhere
How Much Does a Condo Insurance Cost?
It certainly does not cost you a fortune. A condominium insurance policy gives you financial freedom at an affordable premium. Have a look at the cost of average insurance premiums | https://expertbyarea.money/2022/09/23/top-reasons-why-condo-insurance-is-rising/ | 934 |
Contact Cholamandalam Insurance For your convenience to contact Cholamandalam Insurance We have provided all possible information of Cholamandalam Insurance. You can contact Cholamandalam Insurance on the given phone number +91 44-3044 5400,Fax No:+91 44-3044 5550. To know the address location of Cholamandalam Insurance it is also presented here 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India.. Contact them by sending email to Cholamandalam Insurance you will find an email address here . To know more about Cholamandalam Insurance, go to their website www.cholainsurance.com and collect all possible information from there. You can contact them from their website also.
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Cholamandalam Insurance is Associated With and Known as:
Cholamandalam MS General Insurance Company Ltd (Chola MS) is a public listed company which was founded in 2001 and Headquartered at Chennai, India. It has come in existance by joint venture of two companies named the Murugappa Group (Indian Company) and Mitsui Sumitomo Insurance Group (MSIG) (a Japanese assurance company). The asurance services offered by the company included corporate assurance, accident insurance, health insurance, Marine insurance, auto insurance, rural insurance for individuals etc.
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At the first step When you call to Cholamandalam Insurance please do not forget to tell them that you have found their contact number on findbusinessaddress.com.What was the discussion over the phone with Cholamandalam Insurance, Please express HERE | https://findbusinessaddress.com/cholamandalam-insurance-contact-number-50061 | 492 |
What caused the fire in Yarloop?
More than three and a half years ago lightning sparked a massive bushfire emergency in Yarloop that firefighters and the community fought for 17 days. The fire claimed the lives of two people, destroyed 180 homes and tore through more than 69,000 hectares of land.
How many people died in the Yarloop fire?
Tragedy and triumph, one year on. Those whose lives were touched or destroyed by the Waroona-Yarloop fires will never know what time it started on the night of January 5, 2016. But three days later two men were dead, 181 homes were destroyed and the historic town of Yarloop was in ashes.
Why did the Australian bushfires start 2019?
Dry heat combined with lack of rain, Australia’s dry season from April to September sees a high chance of fires. Fires on the east coast of the country have spread quickly with the help of hot-dry weather, burning through millions of acres and forcing thousands of residents to evacuate.
How long did the waroona fire last?
In January 2016, a lightning strike triggered a blaze that tore through some of WA’s best agricultural land, near Waroona south of Perth. By the time it was extinguished 17 days later, almost 70,000 hectares of land had been scorched, 181 homes and buildings destroyed and two lives had been lost.
How bad is the bushfire in Yarloop?
Yarloop, which has a population of 545, has lost about 95 homes, historic buildings, workshops, factories, the post office, a fire station and part of a local school. Resident Kate Barry said she lost her home in the blaze, but had no idea how bad the bushfire was until a local firefighter told her she had to evacuate.
Is there life after a devastating wa bushfire?
As fires burn across the eastern states, one town in WA’s south-west has proved there is life after a devastating bushfire. Skip to main content ABC News Homepage SearchLog InLog InMore from ABC More from ABC Close menuABC iview Listen ABC Home News Radio iview Everyday More Editorial Policies Read our editorial guiding principles Accessibility
Will Yarloop’s new fire station bring life back to the town?
The Yarloop community hope the building will help to bring life back into the town The effects of the fire was devastating, but locals say it has also brought the community together More than three and a half years ago lightning sparked a massive bushfire emergency in Yarloop that firefighters and the community fought for 17 days.
How much did it cost to rebuild Yarloop after the fires?
The State Government spent $64 million rebuilding Yarloop and the surrounding communities. Murray Wellington MLA Robyn Clarke said everyone pulled together for the recovery effort. “I remember driving through in 2016 after the fires and I really didn’t think this town had any chance of survival,” Ms Clarke said. | https://headshotsmarathon.org/lifehacks/what-caused-the-fire-in-yarloop/ | 612 |
global abstract with sharing class DepreciationCalculation
This class must be extended by the customer if the customer is writing their own implementations of the fam.DepreciationCalculation class.
This class contains deprecated items.
//Note: This sample code is for demonstration purposes only. It is not intended for //use in a production environment, is not guaranteed against defects or errors, and //is in no way optimized or streamlined. You need to provide some sample code
global virtual List<fam__FA_Depreciation_Schedule__c> generateSchedules(fam__Depreciation_Book__c book, Decimal totalAmountToDepreciate, Date depreciationStartDate)
This method is employed by the GenerateScheduleService to generate partial periods of the Depreciation Book.
global virtual void updateBefore(fam__FA_Depreciation_Schedule__c oldSchedules, fam__FA_Depreciation_Schedule__c updatedSchedules, Map<Id, fam__FA_Depreciation_Schedule__c> scheduleMap)
This method is called before updating the schedules and performs schedule validation
global virtual void updateAfter(fam__FA_Depreciation_Schedule__c oldSchedules, fam__FA_Depreciation_Schedule__c updatedSchedules, Map<Id, fam__FA_Depreciation_Schedule__c> scheduleMap)
This method is called after updating a schedule and performs schedule validation
global virtual void validateBook(fam__Depreciation_Book__c book)
You can override this method to provide some calculation specific validation. For example: • Sum of Years Digits requires that the Service Life is an Integer. • Units of Production requires that the Service Life in Units field is provided.
The following items are deprecated and not supported for use. We recommend that you stop using these items to avoid exceptions. | https://help.financialforce.com/TechnicalReference/2023.2/FixedAssetManagement/Apex/DepreciationCalculation.htm | 390 |
I wrote a blog series about how your insurance needs to change when you get married. On the flip side, your insurance needs also change if you are divorced or getting a divorce.
It is estimated that about half of all marriages end in divorce these days. As with the series I did on getting married, the getting un-married series will cover how a divorce affects your car, home, life, and health insurance.
Joint Life Insurance After Divorce
Joint life insurance, also sometimes known as LifeInsurance for couples, explains when two different people simply take a policy that insures them simultaneously.
You pay a regular premium, there is 1 contract as well as the conditions of the policy pay both parties that are named.
If you are a part of a couple of taking out concerted life insurance might look like the most obvious option. Perhaps you currently have joint banking accounts along with a loan, therefore why pay two premiums as soon as you’re able to cover them?
But, you will find it unique to think about before choosing a combined life insurance policy.
Beneath we research the crucial considerations that will assist you to make an educated decision concerning whether to pick a joint or 2 policies.
Life Insurance Changes After A Divorce
When you got married, you and your spouse probably got a life insurance policy together. Now that you two are divorced, you will need to update your policy to reflect the change. Here are some tips from the National Association of Insurance Commissioners on how to update your life insurance policy after a divorce:
- If you and your ex-spouse have life insurance policies, make sure to adjust the beneficiaries on the policies to reflect the changes you both want after the divorce is final.
- If you become a single parent, review your life insurance policy, will and retirement accounts to make sure they all indicate the correct beneficiaries.
- If your spouse will be paying for child support, consider requiring that he/she purchase a life insurance policy covering the term of the payments. You should be named as the owner and beneficiary of such a policy to prohibit your ex-spouse from changing the beneficiary name without your agreement.
- Never leave a life insurance benefit directly to a minor child; instead make sure the policy names a contingent beneficiary or a trustee who will act as a beneficiary on behalf of the child. The best way to avoid having the life insurance benefit taxed is for you to own the policy on your ex-spouse and vice versa.
- When considering purchasing life insurance, the amount of coverage you need depends on your financial circumstances and beneficiaries. Do your homework and make sure that the company is reputable, the amount of coverage is adequate, and the policy is affordable and works for you. Children of single or divorced parents may be more financially vulnerable in the event of the death of a parent. The main guardian should carefully choose the level of life insurance to provide the best safety net for the children.
While you are going through a difficult time, it is important to make sure you keep your life insurance up to date while going through a divorce. If you are looking for a new life insurance policy, you can compare quotes online at InsWeb.com.
Stay tuned for how getting divorced affects your car insurance. | https://n4gm.com/divorced-affects-your-life-insurance-needs/ | 665 |
THE following information was provided to members of the public attending tonight’s public meeting at the Lachlan Community Hall.
The Glenfern fire is burning in dry forest and plantations in the Glenfern Rd and Reddell Rd area, across to Moss Beds Rd and just to the west of Top Swamp Rd.
The fire is currently not contained. Much of the fire is burning in steep, rocky terrain, and vehicle access is difficult. Several TFS units are in attendance, as are air resources. A significant spot-fire began at Illabrook Rd, with PWS crews responding.
With today’s calmer weather, crews have been working to construct containment lines, extinguish spotfires and prepare for a forecast return to very high fire danger weather across Thursday and Friday this week.
Planning is underway to determine if backburning operations will be suitable to control this fire. If this proceeds, there may be an increase in smoke across Lachlan.
Weather conditions are expected to worsen on Thursday and Friday this week, with dry winds and warm temperatures. The fire danger ratings for both days are predicted to be Very High. The fire is likely to travel in a southeasterly direction.
THERE WILL BE A TOTAL FIRE BAN FOR THURSDAY 31st OCTOBER AND FRIDAY 1st NOVEMBER
Further community meetings will be held where necessary.
For information on fires in Tasmania and general fire safety advice, please contact the Tasmanian Bushfire Information Line (free call) 1800 000 699.
Check for the latest warnings and advice messages at:
- Local ABC radio: tune to 936 on the AM band
For information on how smoke from bushfires can affect your health, and emergency assistance availability: www.dhhs.tas.gov.au/publichealth/alerts/air
AFTER THE FIRES
The Department of Health and Human Services offer a range of support services including personal, emotional, psychological and financial help. For information go to www.dhhs.tas.gov.au
BUSHFIRE ADVICE MESSAGE FOR MOSS BEDS RD, TOP SWAMP RD AND SURROUNDING AREAS AT LACHLAN
Issued At: 30/10/2019 9:48pm
There is a bushfire at Glenfern Rd, Glenfern. There is no immediate threat. Fire under these conditions can be difficult to control.
What to do:
- People in Moss Beds Rd, Top Swamp Rd and surrounding areas at Lachlan should keep up to date by listening to ABC Local Radio or look at the TFS website at www.fire.tas.gov.au.
- Well prepared homes are defendable in these conditions.
- If you are not prepared for a bushfire, think about leaving for a safe place if it gets more dangerous.
- If your family has made a bushfire survival plan, check it now.
Incident number: 19032354
- For information on current road closures, please visit the Tasmania Police website: http://www.police.tas.gov.au/community-alerts/
- For advice is available from the Department of Health www.dhhs.tas.gov.au/publichealth/air/bushfire_smoke or the Asthma Foundation of Tasmania www.asthmatas.org.au
Alert Level: ADVICE
Type: Vegetation Fire
Last Updated: 30-Oct-2019 09:48 PM
First Reported: 29-Oct-2019 12:55 PM
Location: Glenfern Rd, Glenfern
Agency: Tasmania Fire Service
Size: 164 hectares
Tasmania Fire Service Resources Mobilised:
1 x MEDIUM TANKER | https://newnorfolknews.com/2019/10/lachlan-glenfern-fire-community-update/ | 789 |
National Survey Finds Americans Demonstrate an Interest in Working in the Field of Cybersecurity if Cyber Organizations Address Workforce Trends around High Expectations of Prior Training, Lack of Minority Representation, and Toxic Work Environments
Burlington, VT – October 26, 2021 – A new cybersecurity survey from Champlain College Online examined why an industry projected to grow 33% through 2030 with an unemployment rate of 0% and more than 460,000 job openings available across the United States is in the midst of a skills gap. The survey finds that despite nearly 30% of non-cyber workers in America being willing to consider a career in cybersecurity, there are three distinct industry-wide barriers preventing professionals from entering the field of cybersecurity, including:
- High expectations of past training
- Lack of diversity and inclusion
- Toxic work environments/culture
- Of survey respondents currently working in cyber, 86% who identify as cybersecurity hiring managers indicate that the market expects entry-level cyber candidates to have vast industry experience.
- Of the respondents who showed interest in pursuing a career in cybersecurity, 56% said employer-sponsored training and education would motivate them to pursue the path.
- Nearly half of the respondents (46%) interested in cyber careers mentioned that tuition assistance from an employer would be a motivating factor to pursue a career in the field of cybersecurity.
- Overall, 72% of respondents estimate some type of university accreditation is required to enter the cybersecurity field.
"I believe that organizations with larger IT departments have a social responsibility to contribute to solving this problem by establishing a hiring quota for qualified, non-experienced cybersecurity professionals,” said Sérgio Tenreiro de Magalhães, Ph.D., co-chair of the cybersecurity programs at Champlain College Online, when asked how cyber organizations can make room for individuals coming to the field without significant relevant work experience.
- Lack of diversity remains another significant barrier - 90% of respondents believe it’s important to increase diversity in the cyber workforce. This includes 59% that say female-identifying individuals need more representation in the field and 57% that say BIPOC need greater representation.
- Wage disparities were a significant challenge to diversity acknowledged by respondents - 28% believe minorities earning lower wages than similarly skilled colleagues is the main barrier impacting a diverse cyber workforce.
- 81% of respondents feel that toxic work environments would prevent them from exploring a career in cybersecurity.
- Of respondents likely to pursue a career in cyber, 44% say toxic work environments impede their decision to explore cybersecurity careers.
"Organizations need to acknowledge toxic work environments exist," said Kathleen Hyde, co-chair of the cybersecurity programs at Champlain College Online. "There’s a reluctance to acknowledge this problem and sometimes, even when it is apparent, it’s dismissed rather than addressed despite the fact that toxic work environments zap productivity and, in the long run, result in higher employee turnover and greater risk/liability to the organization."
Additional Key Findings
In addition to the skills gap and barriers to entry the field of cybersecurity is facing, the survey points to factors that would motivate survey respondents to join the cyber field and addresses the impact of recent cyber events on survey respondents.
Factors that Motivate Individuals to Pursue Cyber Careers
- The majority of survey respondents (69%) ranked job security as the top positive trait about cyber careers.
- More than half of survey respondents (61%) said that protecting consumers from hackers is one of the top positives about working in cybersecurity roles. This shows that respondents recognize the need for cyber workers and see an altruistic benefit to the field.
- Of the non-cyber respondents who showed interest in pursuing a cyber career, 56% said employer-sponsored training and education would motivate them to select a career in cyber.
Impact of Recent Cyber Events on Survey Respondents
- Most American adults (nearly 80%) have taken action to protect themselves following the recent cyber events. Cyber professionals were more likely to act (96%) than the general population not in cyber roles (70%).
- The top action taken by respondents was updating passwords or using two-factor authentication (55%). This was notably higher for those in a cyber-related role (63%) than for the general population (52%).
- In addition, about half (49%) say they’re actively reading about cybersecurity best practices to better protect themselves on their own.
- Overall, 63% of survey respondents believe more people need to become educated in cybersecurity.
Champlain College Online commissioned Full Circle Research, INC. to field questions for its online survey from August 24-26, 2021 with a randomized, nationally representative sample of 1,011 U.S. adults ages 20-55. The results are weighted to the U.S. Census data to be nationally representative with a confidence level of 95%.
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Connect with our admissions team to learn more about Champlain College Online.
I acknowledge that, by clicking the "submit" button, I am giving my express written consent to Champlain College and its representatives to contact me about educational opportunities via email, text, or phone, at the phone number above, including my mobile phone, using an automatic dialer, or pre-recorded message. Message and data rates may apply. I understand that my consent is not a requirement for enrollment, and I may withdraw my consent at any time. | https://online.champlain.edu/blog/adult-viewpoints-2021-survey-cybersecurity-skills-gap-barriers-entry | 1,110 |
Homeowners Insurance for Beginners
Homeowner’s insurance or home insurance isn’t a luxury. For homeowners, it’s a necessity. Virtually all mortgage companies require borrowers to have insurance coverage for the full, or fair, the value of the property. This value is typically the purchase price, and many mortgage companies will not make a loan or finance a residential transaction without proof of insurance.
What a Homeowners Insurance Policy Provides
Homeowner’s policies are generally flexible and customizable to fit the needs of your family, and your home. However, there are a few standard elements that you can count on that provide what costs the insurer will cover.
Damage to Your Home
In the event of damage due to fire, hurricanes, lightning, vandalism, or other covered disasters, your insurer will compensate you so your house can be repaired. Destruction from floods, earthquakes, and poor home maintenance are generally not covered. Freestanding garages, sheds, or other structures on the property may also need to be covered separately.
If the contents of your home are destroyed in an insured disaster, including clothing, furniture, appliances, and more, are generally covered. However, there may be a limit on the amount that your insurer will reimburse you. Many insurance companies will provide coverage for 50% to 70% of the amount of insurance you have on your home.
Personal Liability for Damage
Liability coverage protects you from lawsuits that are filed by others, and many clauses even include your pets! This means in the event that someone gets hurt on your property, and you are found negligent, and they have incurred medical expenses as a result of this, liability could be part of the policy to payout. See your policy for more details!
Hotel or Home Rental While Your Home is Repaired
In the chance that you find yourself forced out of your home due to your house being rebuilt or repaired from a disaster, you’ll be happy to have this part of your insurance policy. This coverage, known as additional living expenses, would reimburse you for the rent, hotel room, restaurant meals, and other incidental costs that incur while waiting for your home to become habitable again. Keep in mind that many policies impose strict daily and total limits of what they will cover.Types of Homeowners Coverage
There are several forms of homeowners insurance that have become standard in the industry. These insurances cover various levels of protection, depending on the needs of the homeowner and the type of residence being covered. These boil down to what is essentially three levels of coverage.
Actual Cash Value
This covers the cost of the house, plus the value of your belongings after deducting depreciation, or, how much the items are currently worth (not how much you paid for them).
This replacement value policy will cover the actual cash value of your home and possessions, without deducting the depreciation. This means that you would be able to rebuild or repair you home up to the original value of your home.
Guaranteed Replacement Cost/Value
Certain insurers offer an extended replacement value for your home insurance. This inflation-buffer policy pays for whatever it costs to repair or rebuild your home- even if that’s above your policy limit.
Guaranteed replacement value policies will absorb the increased replacement costs (that likely have fluctuated since you purchased or built your home), and provide homeowners with a cushion if construction prices increase.
For more information on what homeowners insurance is right for you, speak with an expert at Staples & Associates and contact an agent today for more information. | https://staplesagency.com/homeowners-insurance-for-beginners/ | 728 |
A new report from the Financial Institution Training Centre (FITC) highlights that fraudulent loans totaling N5.46 billion made up 94.35% of the overall losses due to fraud recorded by Nigerian commercial banks during the second quarter of 2023.
The FITC Fraud and Forgeries report reveals that 24 commercial banks in Nigeria suffered a total loss of N5.79 billion due to fraud, showing a significant increase of 1,125.03% from the N472 million lost in Q1 2023.
The data indicates a substantial surge in the total amount involved in fraud cases during Q2 2023 compared to Q1, with the sum escalating from N2.58 billion to N9.75 billion, marking a 276.98% increase.
After fraudulent loans, mobile fraud accounted for 3.39% of the total loss, equivalent to N196 million. On the other hand, computer/web fraud contributed only 1% of the total losses in Q2, amounting to N59.5 million over the three months.
The report by FITC states that the most prevalent types of fraud in the first quarter of 2023 were mobile fraud, computer/web fraud, and POS-related fraud, which continued the trend observed in the first quarter of the year.
Although there was a rise in the value of fraud cases in Q2, the number of reported cases decreased compared to Q1. In Q2 2023, a total of 11,679 cases were reported, reflecting a 6.96% decrease from the 12,553 cases recorded in Q1.
The growing prevalence of fraud is posing challenges for commercial banks. The rapid adoption of digital banking technology, coupled with a youthful population and increased smartphone usage, has created more opportunities for fraud.
The Nigeria Inter-Bank Settlement System (NIBSS) warned that while technology advancements enhance banking services, they also introduce more vectors for fraudulent activities. NIBSS disclosed that Nigerian banks lost N9.5 billion to e-frauds by August 2023, and when combined with non-electronic fraud, the total loss for the year exceeds N10 billion.
Required Actions for Commercial Banks
In response, FITC recommends that Nigerian banks enhance their security measures by implementing multi-factor authentication, strong encryption, and regular security updates.
It also suggests using advanced fraud detection systems based on artificial intelligence (AI) and machine learning (ML) to identify anomalies and suspicious activities in real time. Regular internal audits are also advised to uncover vulnerabilities that fraudsters could exploit. | https://techkudi.com/nigerian-banks-lost-n5-46bn-to-fraudulent-loans-in-q2/ | 520 |
Vokèra Boiler Service & Maintenance
A well maintained Vokèra boiler could keep your home warm for as long as 10-15 years.
A large part of ensuring your boiler gets the care it needs is arranging an annual service where a Gas Safe engineer will ensure the unit is operating safely and efficiently.
What is a boiler service?
A service of a boiler involves a fully-qualified heating engineer testing the boiler to ensure that it's operating safely and efficiently. They'll also look the boiler over inside and out for signs of any issues or faults. A boiler should undergo a service every year by a Gas Safe registered engineer for gas boilers or an OFTEC engineer for oil boilers.
All Vokèra boilers are powered by gas meaning that you need to hire a Gas Safe engineer for the service. To check if an engineer is Gas Safe registered, you can find out online via the Gas Safe website but you should also ask to see their Gas Safe ID card when they arrive at your home too.
From start to finish, a boiler service will last 30 minutes, give or take, but this will vary depending on the model of boiler and whether the engineer comes across any issues.
Boiler service checklist
Once you're happy for the engineer to begin the boiler service, they'll carry out a range of tests and inspections on the unit:
- To start, they will visually inspect the boiler to ensure that the pilot light is burning blue and check for any signs of corrosion or leaking.
- When happy to move on, the engineer will remove the outer casing to inspect and clean part on the inside such as the heat exchanger.
- Next, it's a case of making sure that the flue terminals aren't being obstructed and that the water and gas pipes are all intact.
- Check that the gas pressure and flow settings are all at the necessary levels.
- Towards the end of the service, the engineer will fire up the boiler to see how it performs in operation. This will help to bring any faults with the components or temperature controls to their attention.
Once the engineer has finished the service, you'll be handed a boiler service report which highlights all of the tests and checks they performed. If you're unsure about anything from the service, don't hesitate to ask any questions at this point.
Is your boiler due a service?
Why is it important to service your Vokèra boiler?
A carbon monoxide leak is the main threat to your home from a boiler, this odourless and colourless gas could prove lethal and even lead to death. You should have a carbon monoxide alarm installed near the boiler to detect a leak but a boiler service could help to spot the potential for a leak before it happens.
Keep heating bills low
The higher the efficiency of a boiler, the less fuel they'll waste, helping to keep your heating bills nice and low. However, over time boilers slowly lose their efficiency which can lead to your heating bills going up. By arranging a boiler service, the engineer will make sure that boiler components are working to the best of their ability – keeping your heating bills lower for longer.
Rather than staring in the face of a hefty repair bill further down the line, an engineer will be able to spot a fault before it has chance to develop.
The standard warranty of a Vokèra boiler is 12 months but depending on the model you have installed, the length could range anywhere between a year right yup to 7. Keeping your Vokera warranty valid, the boiler requires a service once every year for the full length of the warranty.
How much does a Vokèra boiler service cost?
A typical boiler service will end up costing between £60 and £120 but there are many things that can have an impact on this price:
- Your location
- Type of boiler being serviced
- When the boiler was installed
- The engineer performing the boiler service
If you're looking to save as much money as possible on the boiler service, we recommend booking it during the summer when heating engineers are more likely to have less work on. Having a boiler service at this time of year also brings the benefit of giving you the peace of mind that your boiler is ready for the cold winter months.
You should NEVER service a boiler yourself – instead, contact a Gas Safe registered boiler engineer.
Is your boiler due a service?
Boiler service plans
If your boiler is due an annual service but you don't want to make a one-off payment then it might be worth considering a boiler service plan, or boiler cover. Taking out one of these plans means that your boiler will be serviced and is also covered against any repairs for a 12 month period, in exchange for 12 monthly payments.
However, by the end of the 12 month period it's likely that you will have paid out over £100 and you could arrange a boiler service for much less so it probably makes more financial sense to pay the one-off fee. Should your boiler be 8 years old or more and no longer warranty, a boiler service plan is well worth considering for that extra peace of mind.
In the unlikely event that your Vokèra boiler breaks down, they can offer a one-off repair followed by complete cover with their Repair & Care Maintenance Plans.
While an annual boiler service is a vital part of maintaining the safety and efficiency of the boiler in your home, there are several checks you can make yourself:
Insulate your pipes
As the temperature drops during the winter, pipes become susceptible to freezing, causing blockages which could then lead to the increased pressure, a leak or a full on boiler breakdown. With the right insulation, the pipes will be better protected from the cold weather.
Monitor the pressure
Checking the boiler pressure is really important and doesn't even take much time. Take a look at the built-in pressure gauge on your boiler and if the needle is below 1 the pressure is too low, if it's above 2, then it's too high. You don't need an engineer to adjust the boiler pressure, you can do it yourself using the manual that came with your boiler.
Insulate your home as much as possible
A poorly insulated home not only makes your home harder to heat up but will also increase your energy bills.
So, there's plenty you can do to make sure that your boiler is operating safely and to ensure that your boiler is working efficiently but all of this is no replacement for an annual boiler service.
Get the best deal on your next Vokèra boiler service by completing our online form, and get your free quote from a trusted engineer in your area. | https://www.boilerguide.co.uk/manufacturers/vokera/service | 1,373 |
Help Your Employees Keep Afloat While They Recover
Clements Group Disability Insurance will pay a percentage of an employee’s salary if they are unable to work. This can be offered as a standard benefit or as a voluntary benefit where employees pay for additional protection based on their financial obligations, including mortgages that would need to be paid or loved ones to be supported. Additionally, employees can work in other jobs and still receive benefits if an accident or illness means they can’t continue in their own occupation.
Employees Are Covered Wherever They Go
Our plan covers overseas staff even if they move between countries. Using our simple application process, employees can get help wherever they are outside of their home country.
Coverage of up to 100% of salary or $20,000 per month
Benefit period options for 12 to 120 months for temporary disability
Benefits of up to 5X annual salary or $750K for permanent disability
No medical underwriting or medical tests required for some policies
Waiting periods options
War and terrorism insurance included
Note: Employees are required to be actively at work to apply for group disability insurance. Preexisting conditions will not be covered during the first 30 months of policy ownership.
Additional Policies for All Your Needs
Group Personal Accident Coverage
Financial protection for your employees in case of injury or death resulting from an incident that occurs on the job.
Group Life Insurance Coverage
Coverage that will not just help your employees with injury-related expenses, but will also provide for their loved ones, including benefits in the event of accidental death while abroad.
We are Here to Help
Still have questions? Fill out the form below and get in contact with a Clements Business Insurance Advisor today.
From quote to claim, our licensed account executives can service all your commercial insurance needs. We offer a full scope of cost-effective and tailored global insurance solutions to organizations so they can continue their operations with peace of mind. | https://www.clements.com/business/international-group-disability-insurance/ | 401 |
In today’s digital world, websites are a crucial tool for businesses, organizations, and individuals to communicate with their audiences. However, with the increased online activity comes the risk of cyber attacks. Cyber threats like malware, ransomware, DDoS attacks, and SQL injection attacks are on the rise, and websites are prime targets for hackers. A successful cyber attack can result in the loss of sensitive information, damage to your reputation, and financial losses. As a website owner, it’s essential to take proactive measures to protect your site from cyber threats. One of the most effective ways to do this is by implementing a web firewall service.
Types of Cyber AttacksBefore we delve into web firewalls, it’s crucial to understand the different types of cyber-attacks that can target your website. Here are some of the most common types of cyber attacks:
MalwareMalware is a type of malicious software that can infect your website and cause damage. Malware can be used to steal sensitive information, inject ads, or redirect visitors to other websites. Malware can be spread through infected downloads, emails, or compromised websites.
RansomwareRansomware is a type of malware that encrypts your website’s files and demands payment in exchange for the decryption key. Ransomware can be spread through infected downloads, emails, or compromised websites.
DDoS AttacksDDoS (Distributed Denial of Service) attacks are designed to overwhelm your website with traffic, making it inaccessible to legitimate visitors. DDoS attacks can be carried out by botnets, which are networks of infected computers.
SQL Injection AttacksSQL injection attacks are a type of cyber attack that targets websites that use SQL (Structured Query Language) databases. SQL injection attacks exploit vulnerabilities in the code, allowing attackers to steal or modify sensitive information.
How Web Firewall Service Protects Your WebsiteA web firewall acts as a protective barrier between your website and the internet, preventing unauthorized access and blocking malicious traffic. A web firewall service can help protect your website from the types of cyber-attacks mentioned above. Here’s how it works:
Filtering TrafficWeb firewalls filter incoming and outgoing traffic to your website. The firewall service analyzes the incoming traffic and blocks any suspicious requests. The filtering process can include examining the source IP address, the type of request, and the payload.
Blocking MalwareWeb firewalls can block malware by analyzing the content of incoming traffic. The firewall service can detect and block known malware signatures and can also use behavioural analysis to detect new or unknown malware.
Preventing DDoS AttacksWeb firewalls can prevent DDoS attacks by detecting and blocking traffic from known botnets and by limiting the number of requests from individual IP addresses.
Blocking SQL Injection AttacksWeb firewalls can block SQL injection attacks by detecting and blocking suspicious SQL queries. The firewall service can also monitor the behaviour of SQL queries to detect anomalies and prevent attacks.
Pros and Cons of Web Firewall ServiceLike any security measure, web firewall service has its pros and cons. Here are some of the advantages and disadvantages of implementing a web firewall service:
- Protection against a wide range of cyber threats
- Real-time monitoring and detection of suspicious activity
- Automatic updates to protect against new threats
- Customizable rules to fit your specific needs
- Easy to set up and manage
- Can slow down website performance
- Can block legitimate traffic
- Requires ongoing maintenance and monitoring
- May not be sufficient protection against advanced cyber attacks
Choosing the Right Web Firewall Service ProviderChoosing the right web firewall service provider is crucial for ensuring the security of your website. Here are some factors to consider when choosing a web firewall service provider:
FeaturesLook for a web firewall service provider that offers the features you need to protect your website. Some important features to consider include:
- Advanced threat detection and blocking
- Customizable rules and policies
- Real-time monitoring and alerts
- Automatic updates and patches
- Integration with other security tools | https://www.genieoweb.co.uk/blog/the-ultimate-guide-to-web-firewall-service-protect-your-website-from-cyber-attacks/ | 827 |
If you have experienced an auto injury, you might be facing both a long, painful recovery and forced time off work. With medical bills and other expenses piling up, you may be anxious to file a claim with the insurance company so you can get your life back on track.
Unfortunately, insurance companies are often primarily interested in their own bottom line. While agents may seem friendly, adjusters are often on the lookout for any information they can use to downplay or even deny your claim.
1. Recording your injuries is essential
Even if you do not need immediate emergency care, it is important to receive a full medical evaluation soon after an auto accident. Without an official record of how and when your injuries occurred, the insurance company might argue that the car accident was not the cause.
2. You can wait to give a statement to an agent
An agent may try to get you to make an official statement before you have recovered from your initial shock. Before giving a statement, make sure you have had the chance to consider the facts of the incident carefully.
3. A fast settlement may be a ploy
If an adjuster offers you a fast settlement, that may be a sign that the insurance company knows your claim could be worth much more.
Auto collision injuries often involve both obvious and hidden damage to the body. You and your health care providers may not know the full extent of your injuries until weeks or even months after the incident. Before accepting an insurance settlement, make sure you, your family and your doctor have been able to assess the impact of the accident on both your current and future health as well as your ability to return to work. | https://www.goldmanlawatlanta.com/blog/2022/06/3-things-you-need-to-know-about-insurance-after-an-auto-injury/ | 334 |
To report an accident or to make a claim, contact M.I.S. 24hr helpline on - 028 9041 0220.
To book a windscreen repair or replacement, please contact National Windscreens on 0800 028 0002 or book an appointment on National Windscreen’s website.
What do I do if I have an accident?
Firstly, ensure you're safe and move to the side of the road or footpath. If someone is injured call 999 to get medical help and alert the police.
Before moving any vehicle(s) take photos of the accident showing damage, positioning on the road and location of the incident. Exchange name(s), address(es) and contact details with any other party involved. You should also note their registration(s), vehicle make, model, colour and any insurance details they may have.
Your insurance is there to protect you and the claims services included within your policy mean M.I.S. will handle the claim on your behalf. Regardless of blame call M.I.S. as soon as you can to report the incident on 028 9041 0220.
What information will I need when I call M.I.S. to report a claim?
You will need to have your:
What do I do if the accident was not my fault?
If you are involved in an accident that was not your fault, M.I.S. and their experienced claims handlers will take care of everything for you. M.I.S. will pursue a claim against the responsible party's insurance policy, however, it may be better in certain circumstances to utilise your own insurance policy. M.I.S. can provide you with legal assistance for personal injury and organise your repairs with an approved repairer or an inspection by an independent engineer.
How long will my claim take to be processed?
Timescales for claims vary, depending on the nature and the extent of damage/loss.
Will I have to pay an excess?
All policies include an excess and this will be noted in your policy documents. If it is clear from the circumstances of the incident that you are not to blame, M.I.S. will pursue a claim against the responsible party's insurance where possible which will avoid a claim against your own policy and therefore avoid payment of your excess.
Will I get a replacement vehicle?
If your vehicle is repairable and you avail of an approved repairer suggested by M.I.S., the approved repairer can supply a courtesy car for the duration of your repairs at no cost to you. If your vehicle is deemed a total loss by an engineer, you are entitled to 14 day car hire through your Hughes policy. If the incident was not your fault and you require a like-for-like replacement vehicle similar to your own to suit your needs M.I.S. can provide this.
Can I use my own repairer?
You can use your own vehicle repairer however, they may not provide the same benefits as those who are approved by M.I.S. or your insurance company. Approved repairers are a trusted repairer who provide a high standard of work. Also, the approved repairer can provide you with a courtesy car, they will liaise directly with M.I.S. or your insurer to save you any hassle and there is a 3 year guarantee on parts with the approved repairer.
Windscreen Claims with Hughes Comprehensive Cover*
If your windscreen can be repaired and you use National Windscreens, you will not have to pay an excess. If your windscreen is damaged beyond repair, your replacement will be subject to an excess as shown on your policy schedule. Cover is unlimited if you use National Windscreens to replace or repair your glass.
Your insurer will not pay more than the market value of your car for the cost of repairing or replacing your glass.
Terms, limits and exclusions apply.
*Windscreen cover applies to Comprehensive cover only. If your windscreen cannot be repaired and needs replaced an excess is payable by you the Policyholder. | https://www.hughesinsurance.co.uk/help-centre/guide-to-car-insurance-claims | 858 |
Employer Resource Center
We help make workers' comp easier
The Heart of Idaho
Committed to helping you enhance productivity and reduce claims costs.
- Cost-effective premiums
- Streamlined claims process
- Improved workplace safety
Idaho is our Home
We have Business Development Executives, Safety Service Consultants, and Audit representatives located across the state.
Wherever you are, we can have someone at your office quickly to assist you and answer your questions.
We partner with Optum and Paradigm to provide excellent treatment and benefits for injured workers
• Pharmacy benefits with thousands of providers across Idaho and nationally
• Care at centers of excellence across the United States
Proactive Claims Management
Our Idaho-resident, in-house claims team coordinates care between injured workers, supervisors, and medical professionals to help control claims costs.
Injured workers receive consistent care and support with the goal of returning to work as soon as medically able.
Contact your insurance agent about submitting an application to SIF for your business.
If you don't have an agent, or would like to apply directly, click here to get started.
If you have a policy with SIF, you may register for online access on our Create A Policyholder Account page.
Our Policyholder Portal provides access to:
- Bill pay
- Certificates of Insurance
- Service team contacts
- Claims by policy period or status, loss history, and loss experience analysis reports
- Payroll reports, mail audits, invoices, and policy documents
- Renewal information. This is generally available about 30 days prior to policy renewal.
Generally, your workers' compensation policy covers your businesses’ employees while they are engaged in work related activity. In some cases, your policy may also cover your subcontractor’s employees (if your subcontractor failed to secure workers compensation insurance).
There are exemptions, and some permitted elections, to coverage for owners, family members, volunteers, independent contractors and other work relationships where factors of the relationship determine coverage.
If you have a specific question about an employee with your business, please contact your agent or SIF Business Development Executive.
Please contact your Agent or Business Development Executive for more information about the difference between independent contractors and subcontractors/workers. You may also view more information on the Idaho Industrial Commission website.
SIF does not offer policies where “no insurable interest” is evident.
Businesses who do not have, and do not anticipate hiring employees, will receive an expedited declination which allows them to apply for a policy with the NCCI Residual Market or other carriers.
Many factors go into deriving the cost of a workers’ compensation policy. Three major elements include:
- Classification Codes. These are based on the overall nature of your business.
- Rates. Rates are determined for Idaho by the National Council on Compensation Insurance (NCCI) and are updated annually.
- Payroll. Payroll and substitutes for payroll are also used to calculate your premium.
Other factors may include:
- Alcohol and drug-free workplace credits
- Experience modification (e-mod)
- Scheduled debits or credits based on the effectiveness of your workplace safety efforts compared to other, similar, workplaces.
- Liability limits for the employer’s liability portion of your policy.
- Waivers of subrogation
- Disease charges for unique exposures (for instance: asbestos abatement, explosive cartridges, etc.).
Your policy will renew automatically unless you notify us in writing 30 days prior to the renewal date. Your policy may not automatically renew if you fail to report or pay in a timely manner, fail to respond timely to SIF’s requests, or if SIF has given you prior notice of non-renewal.
Changes in your business may affect your coverage. Contact your agent or Business Development Executive if any of the following occur:
- Ownership: Changes to the type of entity, persons, shares, officers, etc.
- Contact: Updates to your business mailing address, alternate billing address, phone number or email address.
- Payroll: Significant changes in payroll or your workforce
Contact us if you are unsure what is considered significant for your policy.
- Work Performed: Changes to your business operation or the type of work being performed.
- Adding, moving or closing a business location.
- You purchase or become part-owner in another business.
- You sell your business or part-interest in your business.
If you report payroll monthly, quarterly, or semi-annually, the easiest way to report your payroll is online. Create a user account for our Policyholder Hub, log in, and report your payroll online. You may also use our paper form and email your completed report to [email protected].
Premium audits are periodic reviews of your business records. Typically when we request an audit we’ll need to see basic business records. Click here to learn more about virtual and in-person audits.
Mistakes happen, if you spot or realize an error, please contact us and we will work with you to sort things out.
Please be aware that any person who knowingly, and with intent to defraud or deceive any insurance company, files a claim, application or other statement containing any false, incomplete, or misleading information is guilty of a felony.
If you feel incorrect or fraudulent information has knowingly been submitted to SIF, please contact us.
If you mistakenly submitted incorrect or incomplete information, please contact us directly so we can work with you to update our records. | https://www.idahosif.org/employer | 1,160 |
convert drive to NTFS
- How to Convert Drive Format to NTFSTechnology Developmentsdrive format to NTFSconvert drive to NTFSNTFS file systemimprove drive performancebetter security features
Learn how to convert your drive format to NTFS with this easy step-by-step guide. Improve your drive's performance and security features today.
- Is Investing in Dogecoin a Smart Choice for Cryptocurrency Enthusiasts?
Considering Dogecoin as an investment? The recent price surge and celebrity endorsements make it tempting, but understand the risks and do your research before investing.
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Enterprise Risk Management is crucial for businesses to identify, assess, and prioritize risks that could impact their operations. In this article, we explore the significance of ERM and its importance in cryptocurrency investment.
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What factors could influence the future price of Dogecoin in 2025? Learn about its history, potential use cases, and investment tips for this volatile meme-inspired cryptocurrency.
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The SEC regulates ICOs, which are unregulated fundraising methods involving digital tokens. Recent enforcement actions have been taken against fraudulent offerings. Investors should be cautious and research the company and team behind the ICO.
- How to Prevent Scope Creep in Risk ManagementInvestment Trendscryptocurrency investmentdiversify portfoliomarket trendsscope creep risk managementrisk management practices
Learn how to prevent scope creep in cryptocurrency investment and minimize risks. Define your goals, stay focused, diversify your portfolio, and monitor your investments.
- How May Thompson's CoinDesk Uses DAppRadar to Blend ETH Transactions Worth 308MCoin-Specific Newsinvestment tipsdecentralized applicationsDAppRadartransaction trackercryptocurrency traders
DAppRadar is a tool that tracks decentralized applications (dApps) on the blockchain, providing real-time information on transaction volumes and more. CoinDesk's How May Thompson uses it to blend ETH transactions worth 308M.
- What is the Significance of the April 18th BNB Coin Burn?Coin-Specific Newsinvestorscryptocurrency marketapril 18th bnb coin burnBinance ecosystemtoken value
The April 18th BNB coin burn was the largest in Binance's history, reducing the supply by 1.7% and increasing its scarcity. The burn signals Binance's commitment to the token's value and boosts investors' confidence.
- Who Implements Composite Risk Management in Unit Operations?Investment Trendsrisk managementcryptocurrency investorsinvestment strategyComposite Risk Managementunit operations
Leaders and managers are responsible for implementing Composite Risk Management in unit operations to manage risks effectively. It is a collaborative effort that involves input from all team members.
- What Caused Dogecoin's Record-Breaking All-Time Low?Coin-Specific Newsdogecoin all time lowcryptocurrency market volatilitycrypto investing tipsdogecoin competitioncryptocurrency regulation
Dogecoin, the meme-inspired cryptocurrency, recently hit an all-time low due to market volatility, negative investor sentiment, lack of development and use cases, and competition from other cryptocurrencies. This article offers tips for navigating the volatile world of cryptocurrency investing. | https://www.mybitb.com/topics/convert-drive-to-ntfs/ | 819 |
vehicle is another word that also method automobile, so when we are speaking approximately an automobile right here we’re speaking about a vehicle. car coverage is a booming enterprise these days. maximum coverage groups are creating wealth from numerous people who have come to the expertise that insuring their cars might be a tremendous manner that they could save you a few positive degree of uncertainty within the case of an coincidence going on. The clear and easy rationalization to that is that with regards to insuring a automobile each the insurance organization and the individual that guarantees his vehicle stand to benefit from the settlement.On one hand the individual that is insuring his or her vehicle will be paid some cash to restore the automobile if the automobile is by means of any threat involved in an twist of fate and on the other hand the insurance employer will use the cash they accumulate from the person that insures his car to do business and to be able to make them have enough money to pay for damages and also have a few ‘alternate’ to maintain-this is commercial enterprise.when it comes to insuring your automobile you should first take it slow to read all which you are expected to understand about the coverage policy which you are being presented. try to examine the whole thing that covers the insurance settlement and recognize enough approximately it earlier than you pass in advance to signal the report. try to apprehend what you stand to gain in case you signal to the agreement and also what you stand to lose if things do not cross the right manner. Be vigilant and stroll away in case you are not convinced that the coverage you are being offered you cannot get it someplace else with even higher incentives.when it comes to enterprise it’s miles higher to look at your shield as every body may be conned in recent times. Even the so referred to as legitimate commercial enterprise and famend groups were found to fail their clients in some unspecified time in the future in time. So be careful and make sure you already know what you’re signing into before you put that pen to paper.
when you purchase or gather a automobile, it is advocated to have vehicle insurance on your protections. despite the fact that a few states mandate vehicle insurance for car proprietors, many motors proprietors nevertheless defy this notion of having insurance for his or her vehicle for the plain motive that they could escape without having one.automobile insurance is your number one financial safety when some thing takes place to your vehicle within the event of visitors collisions. maximum of these automobile coverage agencies cover the insured party, the insured automobile, the 1/3 events and third birthday party including theft and fireplace. although there are guidelines that handiest cover the required occasions in which the automobile is insured independently which includes in opposition to theft, bodily and hearth damage.in case you are getting insurance for your car, it’s far quality to have a complete insurance car insurance to reduce your burdens inside the occasion your vehicle is involved in a avenue mishap. This offers you extra flexibility in making claims and maximum automobile insurance groups provide incentives and when calculated in phrases of scopes of coverage, you genuinely shop more than paying decrease insurance rates for separate insurance guidelines. A full insurance coverage does no longer only protect you in a single separate circumstance but to all that can rise up within the event your automobile is worried in any cases consisting of robbery, fire and damages outdoor collision.Age is taken into consideration as one threat that affects the quantity of premiums in vehicle coverage. vehicle insurance for senior residents has decrease charges because they’re considered to have lesser miles driven compared in opposition to the ones of teens and adults. Veterans fall below this category hazard because they’re often older than 55 years old and may discover reductions after they scout for insurance for their car. vehicle coverage for veterans has lower rates due to the fact it is assumed that veterans have lower twist of fate dangers in comparison to regular car owners. Veterans are presumed to be regulation-abiding, low miles drivers and feature precise price status due to their regular retirement and pension pay.if you are a Veteran and seeking out vehicle coverage for your new vehicle or trying to renew your present insurance policy, you need to don’t forget several factors earlier than buying. due to the fact maximum of car coverage agencies have their own internet site, you’ll have a huge range of choices while you surf the internet and appropriate popularity is one crucial element that you need to keep in mind. read opinions about your insurance agency and get insights on what people have to say about the coverage agency. examine reductions and pick the ones to be able to provide you with extra financial savings. understand that vehicle coverage to your vehicle isn’t always a luxurious but a necessity.
If you drive and have a car, of course you need car auto insurance. In any state, it’s necessary to have at least liability insurance for both personal injury and property damage. This is your responsibility to carry as a driver in the event you’re involved in an accident and are found at fault. How much of this insurance you have to carry varies state-by-state (for example, $50k property damage plus $25k per person in personal injury per accident). Check with your state to see how much insurance you have to carry, since most states do have a minimum amount that is required.
Whether or not you need another type of car auto insurance coverage is debatable. There are two other major types of insurance, collision and comprehensive insurance. It should be noted that liability insurance does not cover anything about you or your car. This insurance is just to provide monetary damages to the other party for property damage or personal injury if you’re the one deemed at fault in the accident. Of course, the other party is also carrying liability insurance — or should be — so that you are paid damages in the event they are at fault in the accident.
Collision and comprehensive insurance, however, protect your car in the event of an accident or damage, regardless of who is at fault. With collision insurance, this is specific to car accident damage. This type of insurance pays for damages to your car regardless of who’s responsible for the accident.
Comprehensive insurance, by contrast, pays for damages to your car that, as a result of non-accident damage. For example, if your car is vandalized or if you are in a hailstorm and the car has body damage as a result, comprehensive insurance will pay for this type of damage.
These days, car insurance companies are very competitive and want your business. If you’re a good driver especially, you should be able to get a very good rate for decent coverage. Many companies offer discounts for various things, like your son or daughter carrying at least a 3.0 grade point average at school, or having multiple policies with them, such as your car insurance and your home owners insurance. However, another way you can save yourself money is to only carry the exact insurance you need.
If your car is paid off and is more than two years old, you should not be carrying comprehensive or collision insurance, likely. This is because you’ll likely pay more in premiums than you would simply if you replaced the car or repaired it, as applicable. A better bet in that case is to simply carry liability insurance and to drop comprehensive and collision insurance. This can save you many hundreds of dollars a year.
However, if your car is new or less than two years old and is not paid off, you should carry comprehensive and collision insurance so as to cover the car at replacement value. In that case, the money you’re paying in premiums is worth it because you won’t be putting out full price to replace a car out of pocket.
Know your rights and know the laws of your state. If you carry just the car auto insurance you need and no more, you’ll save yourself a lot of money and still have all of the protection you need. | http://ptakno.info/contact/ | 1,626 |
If you are working with an unfair settlement and struggling with legal representation, a third-party mediation representation should be at the top of your list. This service works for any dispute involving property insurance, resolving disputes between the insurer and property owner.
Read on to learn about insurance mediation services and why they are an excellent idea for insurance claims. The more you know, the easier it will be to navigate tricky legal circumstances.
What Are Insurance Mediation Representation Services?
Insurance mediation services provide a third-party, unbiased individual to stand between an insurer and the owner of a property. If there is an unfair settlement, they work to solve the trouble and achieve the best possible result.
Of course, the mediator can’t settle the case. They can assist, but it’s up to you to determine the proper outcome of the situation.
Why Invest In Mediation Services for Insurance Claims?
Mediation makes it much easier to work through a disagreement. Having a third person in the situation can clarify items that don’t make sense when it’s you and the insurer. If it’s successful, the mediation will be satisfactory.
Having a third party also permits creativity in determining an ideal outcome for the pair. Both parties can relax and be more casual, releasing pent-up stress in the situation. A mediator will work miracles in the tensest moments.
Contact Us For Assistance
If you’re interested in mediation representation in your claim, contact CAMERON CLAIMS® We will work with you to make it much easier to handle your claim dispute, improving efficiency and creating a productive relationship along the way. We are experts at what we do.
Without insurance mediation, your situation might become more complicated. Our team is dedicated to you and determined to bring the best possible outcome. Those hunting for a neutral third party will enjoy our offered services. Call Us Today for Assistance 772-600-5319
What is Insurance Mediation Services?
If you are dealing with an unacceptable settlement from your insurance company and negotiations have come to a halt, mediation is something you should consider. Mediation services can be used for any type of claim related to property insurance. With the support of a neutral third party, mediation can be used to resolve property claim disputes between the insured and their insurer. This process is an informal way to find a resolution without interfering in the dispute itself. Cameron Claims is available to act as a non-biased mediator and help the two parties reach a mutually reasonable agreement. Our dedicated team of experts can provide fair representation to anyone dealing with a property claim dispute.
Benefits of Mediation Services for Insurance Claims
Our insurance mediation services can save you the headache and hassle of dealing with official lawsuits. This process can be used for any type of property insurance claim, including fire, water, and hail damage. When compared to lawsuits, mediation services present the following benefits:
- Non-Binding Solution: Mediation is an informal solution to your claim dispute. If you are not satisfied with the results, you have the freedom to pursue other litigation alternatives.
- Efficient Process: Filing an official lawsuit with an attorney can be a time-consuming process. Mediation speeds up this process by using a knowledgeable third party to agree.
- Economical Alternative: In addition to the time commitment, lawsuits can quickly turn into expensive endeavors. Insurance mediation services can help you find a solution while avoiding these unnecessary costs.
- Productive Relationship: By acting as a neutral third party between the insured and their insurer, we can help both parties cooperate professionally. This process allows the parties to maintain a working relationship after the dispute has been settled.
Is Mediation Binding?
Not necessarily. Mediation is considered non-binding. Settlements reached the mediation can be rescinded within three days of the agreement if the claimant has not cashed the payment draft. Neither the policyholder nor the insurance company is legally obligated to accept the outcome of the mediation conference. If you have any questions or concerns, our trusted team of specialists would be happy to explain the mediation process, provide an overview of your options, and ensure that you understand your rights as a consumer.
Can I Bring My Attorney to The Mediation?
The policyholder can bring their attorney to the mediation conference. However, the insurer must be notified of the attorney’s attendance before the conference. The Division of Consumer Services has stated the following regarding mediation:
- The insurer is to send a representative with full authority to settle the claim at the conference.
- The conference must take place at a location near the residence.
Cost of Mediation Services
Generally, the cost of mediation is $350. Property mediation is free for the policyholder. The insurance company pays the entire cost of the conference. If the policyholder fails to attend the conference, it can be rescheduled after the policyholder pays the mediator’s fee. If the insurance company fails to appear without good cause, they must pay actual cash expenses of the policyholder in attending the rescheduled conference. The insurance company must also pay the mediator’s fee for the rescheduled conference.
Choose Cameron Claims for Your Mediation Needs
Our team is proud to provide North America and Puerto Rico with trustworthy mediation services. When dealing with a property claim dispute, you deserve to work alongside someone who is truly dedicated to understanding your needs and finding a fair outcome. Our knowledgeable team of mediation specialists has the experience needed to make an honest, non-biased assessment of your situation. Any individual, business, or insurance company looking for a neutral third party for their claim dispute should contact us today. We’ll get started as soon as possible and help you reach an agreement quickly and fairly. Head over to our contact page or give us a call to set up an appointment today. We are available 24/7 to take care of your mediation needs. | https://camclaims.com/services/mediation-representation/ | 1,213 |
Other Wildfire Incident Sites
AZ ESF/RSF Operations DashBoard
Central dashboard for all current events requiring state and county-level emergency management. For wildfire incidents posted through the AZ Dept. of Forestry & Fire Management and InciWeb, select “ESF 4-Firefighting DFFM” tab at the top. For wildfire potential, select “EFS 8 -ADHS Prepardness” tab at the top.
Arizona Interagency Wildfire Prevention & Information Website
Federal and state agencies in Arizona provide timely, accurate fire and restriction information for the entire state.
A central hub for information on wildland fire activity in Arizona, includes maps and feeds.
Arizona Emergency Information Network
The State of Arizona’s official source for emergency updates, preparedness advice and hazards information, and related resources.
Shows current wildfire locations on an interactive map. InciWeb is a highly reliable source as it is updated directly by professionals overseeing emergency events. Learn more at the “Help” page.
National 7-Day Significant Fire Potential
Provides a map that shows the national 7-day significant fire potential by region.
View fire weather & fire potential for wildfires across the nation.
Forest Service, NASA Upgrade Online Active Fire Mapping Tool
Online active fire mapping tool that provides wildfire management teams and the public real-time access to data, maps and visualizations of active wildfires across the nation. | https://cocowildfire.org/other-wildfire-incident-sites-2/ | 295 |
Boiler repair Kingston Vale?
With more than three decades of experience in the plumbing and heating industry, JustBoilers.com‘s team of Gas Safe heating engineers know that your boiler is the heart of your home, and boiler breakdowns can cause a lot of upset and hassle. That’s why our local boiler repair team in Kingston Vale SW15 are always on hand to carry out boiler repairs as and when you need us.
As specialists in boiler maintenance, we can diagnose the cause of your boiler breakdown and carry out repairs to your central heating system at a time to suit you. Even more importantly, all of our Kingston Vale SW15 team are registered Corgi Gas engineers, so you can enjoy complete peace of mind about the safety and professionalism of our work.
If you use a local plumber to repair your broken boiler, they may not hold the necessary qualifications to carry out the work. This could lead to future problems when selling your home or when using your boiler’s warranty. Trust us to carry out approved work on your boiler to the highest of standards. We aim to be at your property or business as quick as we can, and have the problem resolved in the shortest amount of time possible. We specialise in repairing all types of boiler breakdowns, including:
- a leaking boiler
- low boiler pressure
- a boiler not igniting
- a boiler making a banging noise
- no hot water
- inefficient gas central heating
- and cold radiators
We fix all makes and models
If you need someone to fix your boiler in Kingston Vale then we are the best heating service in London as we have experienced engineers who have a knowledge in a wide range of makes and models. Whether you have a gas combi boiler (aka a combination boiler), conventional boiler or a hot water cylinder we have seen it all. There are a lot of brands out there, and we know how to get the right diagnosis and the correct part to ensure that your boiler fix is effective and an affordable boiler repair. We repair all makes and models and have experience in repairing:
Ariston, Alpha, Baxi, Chaffoteaux, Danfoss, Everflow, Ferroli, Glowworm, Grundfoss, Honeywell, Halstead, heatline, Ideal, Keston, Main, Potterton, Ravenheat, Vaillant, Worcester Bosch and many more.
We will give you our honest opinion
If we think that your boiler is no longer economical to repair and it is an old boiler for example, then we will provide you with a free quote to install a new efficient boiler. We have very competitive boiler installation prices, and you will get the best engineer in Kingston Vale, SW15 and London installing your boiler with a remarkably low boiler install cost.
If it is an emergency boiler repair or an urgent boiler breakdown in Kingston Vale then please don’t hesitate to call us straight away for our honest advice.
All our engineers are Gas Safe Registered We offer fair, transparent pricing.
Gas Safe Registered
30 Years’ Experience
No Call Out Charges
Competitive Industry Rates
All our engineers are Gas Safe Registered
We offer fair, transparent pricing.
Why Use Us?
- With over 30 years’ industry experience, JustBoilers.com are specialists in boiler repair & replacement
- We set out to deliver a top class service – read our Service Promise
- Our fees are transparent:
- No call out charges
- Competitive pricing
- Free engineer home visits and fixed priced options
- All of our work is guaranteed for up to 90 days from completion
- Professional, qualified engineers – friendly, honest, clean & tidy!
- Peace of mind – we offer 24/7 customer support
- We come highly recommended – 4.8/5 stars on Trustatrader
- Gas Safe Registered | https://justservicesgroup.com/boilers/boiler-repairs/kingston-vale/ | 797 |
WASHINGTON – The government announced today that federal employees and retirees will pay 6.2% more on average for health insurance premiums next year. It’s an unacceptably high increase that will hit millions of Americans in the pocketbook, American Federation of Government Employees National President J. David Cox Sr. said.
“Like most other Americans, federal employees and retirees have seen their standards of living decline due to stagnant incomes and cost increases for basic goods and services,” Cox said. “This is an unacceptably high increase that will force many families to make difficult decisions about how to pay their bills.”
The Office of Personnel Management said that enrollees in the Federal Employees Health Benefits Program will pay 6.2% more for their insurance premiums starting in January. The government’s share of those premiums will increase just 3.7%.
“This continuation of health care cost-shifting onto federal workers and retirees is making coverage less and less affordable and will cause many to drop coverage,” Cox said.
Biweekly premiums will increase on average $5.27 for enrollees who select the self-only plan, $10.32 for enrollees in the self-plus-one plan, and $12.97 for enrollees in the family plan. For enrollees insured by Blue Cross and Blue Shield, the largest insurer in the federal program, rates will increase $5.81 for self-only, $9.46 for self-plus-one, and $15.99 for family coverage.
Premiums also are increasing an average of 1.9% for dental plans and 6.3% for vision coverage, OPM said.
One bright spot for next year is that all health plans in the federal program will cover Applied Behavioral Analysis, the most effective known treatment for Autism Spectrum Disorders. AFGE lobbied OPM for 10 years to require FEHBP carriers to provide this coverage. | https://www.afge.org/publication/health-insurance-rate-increase-unacceptably-high-afge-president-says | 396 |
Fourth of July Safety: Even legal fireworks (including sparklers) can be dangerous
As the sun starts to set on Fourth of July, Kern County streets start to shine bright with multi-colored fountains of light and flashes. But a celebration of our nation’s independence can turn tragic quickly without proper fireworks safety measures.
In fact, did you know about 11,000 people are treated in U.S. hospital emergency rooms for fireworks-related injuries each year. And in the month surrounding July 4, our nation sees about 200 fireworks injuries per day, according to the U.S. Consumer Product Safety Commission.
Despite the dangers of fireworks, few people understand the associated risks: serious burns, eye injuries, structure fires, and even death.
In 2017, for example, eight people died in our country and over 12,000 were injured badly enough to require medical treatment after fireworks-related incidents. Of those, 50% of the injuries were to children and young adults under the age of 20. While the majority of these incidents were due to amateurs attempting to use professional-grade, homemade or other illegal fireworks or explosives, an estimated 1,200 injuries were from less powerful devices like small firecrackers and sparklers, according to the National Fire Protection Association.
Injuries to people aside, fireworks start an average of 18,500 fires each year, including 1,300 structure fires and 300 vehicle fires.
Even sparklers, popular among young children, can be dangerous — much more than most people think. Sparklers burn at about 2,000 degrees, hot enough to melt some metals, and can quickly ignite clothing. Many children have received severe burns from dropping sparklers on their feet. In fact, sparklers account for more than 25% of emergency room visits for fireworks injuries, and nearly half of injuries for children under 5 years old, according to the National Safety Council. Alternatives include glow sticks, confetti poppers or colored streamers.
Chain | Cohn | Clark advises everyone to enjoy fireworks at public displays conducted by professionals. They may be legal in Kern County, but they are not necessarily safe.
But if you do take part and celebrate the Fourth of July with legal fireworks, here are some safety tips to keep in mind:
- Never allow young children to play with or ignite fireworks.
- Always have an adult supervise fireworks activities.
- Never place any part of your body directly over a fireworks device when lighting the fuse. Back up to a safe distance immediately after lighting fireworks.
- Only use fireworks outdoors in a clear area, and away from buildings and vehicles.
- Never try to re-light or pick up fireworks that have not ignited fully.
- Never point or throw fireworks at another person.
- Keep a bucket of water or a garden hose handy in case of fire or other mishap.
- Light fireworks one at a time, then move back quickly.
- Never carry fireworks in a pocket or shoot them off in metal or glass containers.
- After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding it to prevent a trash fire.
- Never use fireworks while impaired by drugs or alcohol.
- Never light them indoors.
- Never use illegal fireworks. Plus, fire departments in both Bakersfield and Kern County hand out fines of $1,500 and up for illegal firework activity.
If someone is injured by fireworks, here’s what you can do:
- If an eye injury happens, don’t let the injured person touch or rub it, as this may cause even more damage. Don’t flush the eye out with water or try to put any ointment on it. Cut out the bottom of a paper cup, place it around the eye, and get medical care right away — eyesight may depend on it.
- If someone suffers a burn, remove clothing from the burned area, and call your doctor immediately.
- If someone is injured due to the negligence of someone else, please contact Chain | Cohn | Clark immediately to receive legal assistance, be compensated for injuries suffered, and continue to get medical care in the future.
Chain | Cohn | Clark in recent years has represented victims of fireworks accidents and other burn injury cases. In 2014 attorney David Cohn represented two men who suffered from severe injuries caused in a fireworks accident while attending a party on Fourth of July in west Bakersfield. The two men arrived at the party where party-goers were allegedly setting off illegal fireworks and explosives. A blast injured two clients, and the case settled in 2018 for $2.3 million.
— Alexa Esparza contributed to this report.
If you or someone you know is injured in a fireworks accident due to the negligence of another, please call the attorneys at Chain | Cohn | Clark at (661) 323-4000, or chat with us online at chainlaw.com. | https://www.chainlaw.com/fourth-of-july-2019-safety-legal-fireworks-sparklers-dangerous/ | 1,013 |
The FOX Forecast Center is tracking the first measurable rain for Hawaii over the next three days. Most of the rain will fall on the Big Island and on east side of Maui, away from the brush fires. Rain totals through Friday will be between a half inch to 1 inch with isolated totals of 2 inches.
Three major fires began moving quickly on Maui beginning on Aug. 8, destroying entire communities and thousands of homes. The fires are the deadliest in modern U.S. history, with nearly 100 deaths and hundreds still missing.
The Upcountry/Kula Fire is 60% contained at 678 acres. Firefighters are in tough-to-reach places, including forecasts and gulches, attempting to put out hot spots. Air support was deployed on Monday to help hit some spots inside the fire perimeter.
The Lahaina Fire is 85% contained at 2,170 acres. Multiple firefighting crews are monitoring and putting out flare-ups, but the fire is not threatening any structures.
The FOX Forecast Center said the ridge of high pressure caused gusty winds and dry air to spread over the islands, moving the fire at highway speeds.
Maui, where the brush fires caused so much devastation, has a deficit of rain of nearly 2 inches in Hana and .62 inches in Kahului. | https://www.foxweather.com/weather-news/rain-forecast-maui-hawaii-wildfires | 270 |
Car Accident Attorney in Macon-Bibb County, Georgia
According to the National Highway Transportation Safety Administration (NHTSA), in 2022 Georgia ranked number 14 in the nation with 1.44 traffic fatalities for every 100 million miles nationwide. In the first half of 2022, 901 persons died on the highways and byways of the Peach State., or 15 persons for every 100,000 residents.
If you or a loved one has been injured or killed in a vehicular accident caused by an at-fault driver in or around Macon-Bibb County, Georgia, contact us at The Law Office of George Haskell.
After discussing your situation, we will then provide you with a frank assessment of your case and what we feel would be the best strategy to pursue. We also proudly serve car accident victims in all surrounding areas, including Milledgeville, Houston County, Warner Robins, Monticello, and Forsyth.
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Victims With Care
What to Do if You’ve Been in an Accident
The Insurance Information Institute (III) estimates that every vehicle operator will be involved in some sort of traffic accident every 17 years, or two or three times in one’s driving lifetime. Of course, some people will never suffer an accident, but most will—perhaps at frequencies higher than every 17 years.
You can leave your home on a sunny morning heading off to work or to pick up groceries, and suddenly another driver rams into you out of the blue. What do you do then?
Since Georgia is an at-fault auto insurance state, you have two options when concerning your vehicle damages:
Report the accident to your insurance company and file it under your collision coverage (if applicable), and then allow your company to seek a subrogation/reimbursement claim against the at-fault driver’s insurer. When your insurance company obtains reimbursement from the a-fault driver's insurer, they will refund your deductible.
Make a claim with the at-fault driver’s insurer by yourself or through an attorney.
If you or your loved one was injured in the accident, you should retain an attorney to protect your legal rights and secure your personal injury claim against the at-fault driver's insurance and potentially any applicable uninsured/underinsured motorist coverage under your personal automobile coverage and/or the automobile coverages of any resident relatives in your household.
The one common thread in the first two options is that both insurers will have their claims adjuster investigate the accident. The goal of their insurance company may be to try to pin as much blame on you as possible to lowball or even deny any settlement. This is where an experienced personal injury attorney can make all the difference. George Haskell will be able to stand up to the adjuster’s tactics and advocate for the compensation you deserve.
Georgia Insurance Requirements
The basic Georgia auto liability insurance policy can be summed up as 25/50/25. The first 25 stands for $25,000 in personal injury liability for injuries you cause to one other person. The 50 equates to $50,000 in injuries to all persons you harm in one accident, and the final 25 means you have $25,000 in coverage for property damage you cause. Note that none of these basic provisions cover you, your passengers, or your vehicle.
If you want to protect your own vehicle against property damage, you can purchase additional collision coverage, which is not mandated and costs extra. You can also purchase comprehensive, which covers loss or damage to your vehicle outside of a collision, such as theft, fire, and vandalism. Though Georgia requires everyone who drives to have auto insurance, not everyone does. In a case where the other driver doesn’t have auto insurance, you can purchase additional uninsured motorist (UIM) coverage.
As noted in the beginning, Georgia is also an at-fault insurance state, affording you three options to recover for your injuries and property damage. Those claims involving insurance companies will bring on claims adjusters, who will try to get you to say things or admit bad conduct or mechanical defects that they can then use against you. If you’re going the insurance route, make sure you have your car accident attorney negotiate and answer questions for you.
How Long Does It Take to File a Claim?
If you’re filing a personal injury lawsuit in Georgia, there is a two-year statute of limitations from the time of your injury. It’s four years for a property damage lawsuit, but keep in mind that insurance company policies contain prompt reporting clauses.
If you decide to go the insurance claims route, you will have to report everything within days or perhaps a few weeks at most. If it's later than that, the insurer could possibly doubt your reporting or even just reject your claim as being submitted too late.
The Rule of Comparative Negligence
Another crucial consideration is Georgia’s legal reliance on the modified rule of comparative negligence, which both courts and insurance companies will use in determining a settlement or court award. Pure comparative negligence (which Georgia does not follow) means that each party will be assigned a percentage of fault. Even if you’re 90 percent at fault, you can still collect 10 percent from the other party.
In contrast, modified comparative negligence has a stopgap, which is why it is also called the 51 percent rule. Thus if your fault rises above 50 percent, you cannot collect anything. Say, for instance, you’re driving along the highway with someone too close behind you. You slam on your brakes to avoid running over a stray animal. You get rear-ended and injured.
However, your brake lights didn’t work. The adjuster or jury might find you 30 percent (or more or less) at fault. If your claim/lawsuit is for $20,000, you would thus receive only $14,000—in other words, $20,000 minus 30 percent. If you are found 51 percent or more at fault, you get nothing.
Wrongful Death Lawsuits
If you lose a loved one in an auto accident, you have two options for recovering through the legal system. One is a wrongful death lawsuit, and the other is known as a “survival action.” The first can be filed by the family to recover both economic and non-economic damages, the latter consisting of pain and suffering and loss of consortium (companionship).
The survival action must be filed by the executor of the person’s estate. The executor is named in the person’s last will and testament to manage the estate after the death of the testator, or will-writer. The statute of limitations for wrongful death actions is two years from the date of the death, not from the injury date. For either of these actions, you will definitely need to guidance and expertise of a car accident attorney.
Car Accident Attorney in Macon-Bibb County, Georgia
Don’t face the insurance companies alone. Obtain the services of a skilled car accident attorney to handle everything for you—even if it means all roads lead to a lawsuit. Statistics have shown that accident victims who rely on attorneys receive two to three times the settlement of those who try to navigate their case alone.
Here in Macon-Bibb County and surrounding counties and communities, reach out to us at The Law Office of George Haskell. We will meet with you personally and strive to ensure that any decision you make about your personal injury matter is well-informed. | https://www.georgehaskell.com/practice-areas/car-accident/ | 1,567 |
The Office for Tax Simplification (OTS) has launched a new consultation ‘Claims and Elections Review - call for evidence’ to look at ways to simplify claims and elections across different taxes in relation to individuals, businesses and partnerships.
The review aims to:
- Establish the numbers and types of claims and elections across the main taxes.
- Focus on how to simplify the administration of the more frequently used claims and elections.
- Identify specific claims and elections where there are unnecessary or disproportionate burdens in making them or in securing reliefs or other benefits.
As well as seeking responses to the following questions, the OTS is interested in receiving any claims and elections lists that stakeholders consider when dealing with particular areas of tax.
- What are the types of claim or election that you deal with most frequently?Which claims and elections do you find the most time consuming to deal with?
- Please provide examples of any type of claim or election that you consider are particularly difficult or complex to administer. Please explain why you think this is.
- Please provide examples of any type of claim or election that you consider are particularly easy or simple to administer. Please explain why you think this is.
- Have you been discouraged from claiming a relief because the process involved was, or appeared to be, too difficult or time-consuming? Please provide details.
- Are there any claims or elections for which you feel the information or the work required in making them is excessive or disproportionate?
- In your experience, what are the claims for relief that are most often administered by high volume repayment agents? What do you think motivates people to use such agents rather than dealing with the claim themselves? Do particular benefits or problems arise?
- Do you think there are any reliefs that currently need to be claimed or elections that can be made, where it would be feasible and simpler for them to operate automatically or by default (subject to the ability to opt-out)? Please provide examples.
- Are there any key differences to the way claims or elections are administered across different taxes that you think could helpfully be aligned? Agents who specialise in making claims for specific usually low-value reliefs on behalf of a large number of individuals
- Do any issues or difficulties arise in cases where a claim or election can either be made or amended within a tax return or, either sometimes or only, separately from a return?
- Do any issues or difficulties arise in relation to the time limits within which a claim or election must be made or amended?
- Are there any features that contribute to making time limits in which you must make a claim or election easier to miss? For example, is this the case in relation to time limits that operate by reference to an event rather than the end of a tax year or accounting period?
- To what extent do you think that HMRC’s personal tax account or business tax account could or should be used to make claims or elections that are not made in returns?
- Are there any issues that arise in relation to claims or elections made outside of a person’s employment or self-employment (such as gift aid claims)?
- Are there situations where there is a choice between claims that can be made or where multiple claims interact, that are particularly complex or that distort behaviour?
The OTS has identified a number of specific claims and elections where it appears there can be difficulties for those administering them or where there are potential opportunities for simplification.
Claims for relief for employee expenses
- To what extent do you think those that are entitled to such relief are aware of this? Does this vary by employment sector?
- Have you ever encountered any difficulties in making a claim for relief for employee expenses? Please provide details.
- Do you think that the processes for making such a claim are clear and proportionate?
- Please provide any suggestions you may have for improving the processes for making a claim for employee expenses of any particular type.
- Do you think that it would be beneficial for some reliefs (such as flat-rate expenses) to be given automatically, for example through an employer? Please provide any suggestions you may have for how this could work effectively in practice.
- Are there any issues that arise in relation to the activities of high volume repayment agents in this area?
Capital allowance claims
- Are there any aspects of the process of making a claim for capital allowances (other than identifying which expenditure is eligible for the allowances) that you think are complex or confusing?
- Are there any administrative aspects of capital allowance claims that you find overly time consuming, for example, short life asset elections?
- Are the time limits in which you can make and amend a claim clear, and fit naturally with the processes for making and amending tax returns?
- Are there any issues that arise with respect to ‘disclaiming’ (delaying the use of) available capital allowances? Is it still necessary or desirable for this to be possible?
- Have you ever encountered any difficulties or complexities in making an s.198 election?
- The OTS has heard that very often a nominal amount is apportioned to fixtures when making the election. Would it potentially be simpler for S.198 elections to be removed, for example, by having a nominal or nil amount apportioned to fixtures as standard? Please provide any other suggestions you may have.
Claims for Losses
- Are there any difficulties or complexities that arise in the processes for claiming relief for losses? Are there any aspects of the process that are particularly time-consuming?
- Do these or other areas of VAT which involve claims or elections cause particular difficulties for your business? If so, do you have any suggestions as to how these could be addressed?
Links to our guides
Time limits for making claims & adjustments
What is the time limit for making a claim for capital allowances? What is the time limit for amending a capital allowances claim?
What are fixtures? How do I claim lost or unclaimed fixtures? When must fixtures be pooled? | https://www.rossmartin.co.uk/sme-tax-news/4690-claims-and-elections-review-call-for-evidence | 1,239 |
Most people have heard of a credit score, a mathematical scoring model used to predict the likelihood of paying back loans, but have you heard of an insurance score? You may not know this, but people have credit-based insurance scores too. Credit-based insurance scores are used to evaluate the possible level of risk for a potential customer.
While credit scores factor in things like your job history, income, and other personal factors, an insurance score leaves those things out and focuses on getting you an insurance premium that works with your life. With insurance scores, no one gets denied based on poor scores.
Keep in mind, not all states allow insurance scores to be used to determine auto and homeowner insurance rates. California, Massachusetts, Michigan, and Hawaii do not allow insurance scores to determine auto insurance premiums. Similarly, California, Massachusetts, and Maryland do not allow insurance scores to determine homeowners’ insurance premiums.
What is a Good Insurance Score?
Insurance scores are measured numerically, and the number indicates how likely an insurance customer is to file a claim or not. Insurance claims are risky for insurance companies, so calculating risk is important.
When it comes to insurance scores, a higher score means a customer is less likely to file an insurance claim. Fewer insurance claims filed through insurance companies mean more money in both the pockets of the companies and consumers.
Insurance scores impact how much an insurance customer will pay for their premiums. If an insurance company sees that a customer has a low insurance score, they tend to rack up the insurance premium to cover their potential loss.
Different insurance companies have different standards when it comes to the numeric value of an insurance score. Generally speaking, a good insurance score is anything over 750.
How Can I Improve My Insurance Score?
Insurance scores are calculated using many variables. The first variable is the customer’s payment history.
Payment history is one of the main factors in determining a credit score, but it factors into an insurance score too. Insurance scores pull payment histories because it shows a pattern of good, or not so good, faith.
The next thing companies look at is a customer’s outstanding debt. This means how much money the customer owes to various creditors and companies.
Next, the length of the customer’s credit history is taken into consideration. Not only is it important to make payments on time, but it is equally important to have a long and stable credit history over time.
Not only does past history factor into an insurance score, but future history does as well. A customer’s pursuit of new credit is just as important.
Finally, insurance companies will also take a look at how many insurance claims a potential customer has filed over the years.
Following the same principles that allow you to improve your credit score, you can improve your insurance score too. Being as financially responsible as you can be, allows both your credit and insurance scores to thrive.
Insurance Scores vs. Credit Scores
An insurance score lets insurance companies know about the potential risk a new customer poses. A credit score shows the probability a person has of paying back their loans. Both scores indicate how risky the investment in a customer is, but for different reasons.
To put it simply, a credit score looks at your ability to repay the amounts you have already borrowed, while an insurance score looks forward to predicting how likely a client is to become involved in a future insurance claim.
If you’re looking for an insurance agent to assist you with all of your insurance needs, then TSL Insurance Group might be able to help.
We are an independent insurance agency serving the Louisiana area with over fifty years of experience, offering many types of insurance products, from homeowners, auto, life, RV, flood and more, for both personal and commercial needs. Fill out the form below to set up an appointment with our insurance agent today! | https://www.tslins.com/what-is-an-insurance-score/ | 792 |
If you are frequent on the Internet in the jewelry blogging community, then you must have already come across this recently popular catchphrase. Though a diamond ring insurance policy may diminish the romantic quotient of the entire notion, but it does secure the financial investments in a way that insurance policies before it haven’t. In case that has caught your interest, then here is a little information that can help you decide if you need it to insure your valuables.
Ring Insurance Policies, What Do They Do?
A jewelry insurance policy is no different from your home, car or life insurance policies. It insures select valuables like gold and diamond jewelry. There are other ways of covering for your valuables. You can get them covered under your homeowners or renters’ policies. However, such coverages have certain restrictions. You can only insure a select few items worth a certain value under the blanket of such insurance policies. Alternately, dedicated policies have the advantage of complete coverage. You can choose your own policy and the value of investment you want to get insured. There is nothing else that you have to share the amount with.
Who Needs Them
Anybody who owns expensive diamond jewelry worth hundreds of dollars should get a jewelry insurance. One needs a policy to not just secure the investment, but to preserve the sentimental worth of the artifact too. So, regardless of how highly or moderately your valuables are priced, an insurance is a necessity, to honor the sentimental value they hold. Though that may make the articles priceless in some ways, the insurance will at least make sure that they are replaced in an inimical event in which they get lost or damaged.
The diamond jewelry insurance policies come for a price. One such policy means you will be required to make monthly payments of premiums. However, the catch is ornament insurances cost very little. Such premiums make very little difference to the monthly budgets of single and family users. You and your spouse can take it together or individually, depending upon the status of your relationship. For every $100 of the worth of the ornament chosen, the insurer will pay you not more than $2. It could be anything under that figure, if not exactly that or more. So, if you have valuables worth $5000, you will be required to pay a premium of $50 annually, which is close to $4 a month. | https://www.valentinmagro.com/blog/diamond-insurance-policy/ | 485 |
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Call our 24 hour rapid response team03333 050 134now on
Credit card fraud cases can be highly complex and having a specialist credit card fraud solicitor on your side from the outset, can make a real difference to the outcome of your case.
A solicitor with the specialist knowledge, expertise and experience in the law surrounding credit card fraud, may even be able to help you to get your case dismissed, before it reaches court.
In simple terms, credit card fraud is when one person takes another person’s credit (or debit) card details, in order to use this information to make purchases or withdraw funds.
In reality, there are many different types of credit card fraud. As technology evolves, so too do the different types of credit card fraud.
According to Which?, credit card fraud makes up 39% of identity fraud cases in the UK.
Types of credit card fraud include:
If you are accused of any kind of credit card fraud, it is vital to obtain legal advice from an experienced credit card fraud solicitor, as soon as possible. Your solicitor can advise and guide you through the process from an initial interview at the police station, right the way through to court, if necessary.
In England and Wales, credit card fraud comes under the Fraud Act 2006.
To be charged with credit card fraud under the Fraud Act, the prosecution must prove that the behaviour of the defendant was dishonest. In addition, it must also show that the defendant intended to make a personal gain or to cause loss to another person.
It does not matter whether that person actually lost money or the defendant gained money. It is the intent that is important.
The Fraud Act 2006 deals with various different types of fraud, including:
Credit card fraud is a serious offence and can result in a prison sentence. Typically, the prison sentence will be around four to five years. The sentence can be longer for more serious cases.
In addition to a prison sentence, you could receive a fine and have to pay back the money you took. This could be achieved with a Confiscation Order.
When deciding on a suitable sentence for someone convicted of credit card fraud, the judge will consider factors such as whether the offender has genuine remorse for the crime they committed and whether or not they have any previous convictions.
In some cases, a credit card fraud conviction may not result in a prison sentence. For example, if the credit card fraud was committed with little or no organisation and only involved a small amount of money, the penalty for credit card fraud may not involve a prison sentence. In this scenario, the sentence for credit card fraud could be a community order.
Conversely, if the credit card fraud offender was part of a large group of people who organised a sophisticated credit card fraud system, a long prison sentence may be more appropriate.
If the prosecution takes place under the Theft Act 1968, the prison sentence is a maximum of 7 years.
If the prosecution takes place under the Fraud Act 2006, the prison sentence is a maximum of 10 years.
Mitigating factors are aspects of a case which could mean that a judge will reduce the sentence.
For credit card fraud, the mitigating factors include:
Pleading guilty can also reduce the sentence for credit card fraud.
Yes, if you are convicted of credit card fraud in court, then this will be visible on your police record/CRB.
How long this will last will depend upon your case.
Whether you were involved in credit card fraud or have been accused of a crime that you did not commit, it is vital that you seek legal advice from specialist credit card fraud solicitors as soon as possible.
If you are asked to attend an interview at the police station or the police invite you in for a ‘chat’ about a credit card fraud investigation, we would highly recommend that you get in touch with an experienced credit card fraud solicitor before talking to the police. This way, your solicitor can support and advise you throughout the process and begin to build a strong defence, before your case progresses to court.
Credit card fraud cases can be complex. Solicitors with knowledge and expertise in this area can manage your case from start to finish and build a robust defence to ensure that you achieve the best possible outcome.
"*" indicates required fields | https://adleygray.com/expertise/business-fraud-solicitors/credit-card-fraud-solicitors/ | 882 |
The hazards of cyberattacks are increasing as we live in a digital world that is more connected than ever. Up to June of this year, the nation experienced over 6.7 lakh cyberattacks, and there have been over three million such incidents since 2019. While businesses are increasingly purchasing cyber insurance, individual consumers have not yet embraced these policies.
Specific protection against cyberattacks is now available to individuals from general insurance firms. First-party losses covered by the policies include direct money losses, data recovery, and legal actions. Experts advise people to purchase a thorough personal cyber insurance policy that includes coverage for identity theft, social media cover, cyberstalking, IT theft, malware, phishing, media liability, cyber extortion by third parties, etc. Even banks are urging their clients to purchase consumer cyber insurance coverage.
What does cyber insurance protect?
The rapidly expanding digital ecosystem, growing global interconnectedness, the complexity of IT systems, and the emergence of new risks, according to a working group established by the Insurance Regulatory and Development Authority of India (IRDAI) last year, make it undesirable to standardize policy wording for cyber insurance.
In most cases, insurance companies will pay for the following:
- Online theft of funds from bank accounts or payment wallets.
- Defence and prosecution costs against a third party for identity theft.
- Legal costs associated with a claim for damages against financial institutions.
- Costs associated with restoring the insured’s computer after malware damage.
- Counselling services.
Depending on the issuing provisions, the cover of an individual cyber insurance policy for one lakh rupees might range from Rs 700 to Rs 2,000. The policyholder has the option to add or remove any add-ons in accordance with his needs while renewing the coverage.
What is not covered?
However, people should be aware that no cyber insurance would provide coverage for cyberattacks using cryptocurrencies or accessing prohibited websites. Additionally, breakdowns, mechanical failures, and property or human injuries are not covered.
How to proceed with the claim?
The policyholder must notify the insurance company in writing of any claims no later than 14 days after discovering the cyber-attack, but no later than seven days. An insured person must submit an FIR to the local police’s cyber cell. The following documents must be provided to the insurer in the event of a loss: a copy of the FIR, a claim form that has been signed, copies of any legal notices received from parties who were harmed, copies of summonses obtained from courts for actions brought by parties who were harmed, copies of criminal cases brought against third parties, copies of invoices for costs associated with restoration, etc. | https://bankingtricks.com/internet-threats-cyber-insurance-protect-data/ | 546 |
In the aftermath of a catastrophic occasion such as a fire, flood, or normal disaster, navigating the complex globe of insurance coverage promises can be a daunting process. This is where a Denver General public Adjuster arrives to the rescue. These skilled professionals act as advocates for policyholders, aiding them get the most out of their insurance policies guidelines. With their knowledge and information of the insurance sector, Denver Community Adjusters can make a significant difference in the final result of your insurance policies assert.
Denver Public Adjusters are Your Allies in the Promises Approach
When catastrophe strikes, the procedure of submitting an insurance assert can be mind-boggling. Insurance coverage guidelines are frequently laden with sophisticated conditions and conditions that are hard for the regular man or woman to understand totally. Denver Community Adjusters are properly-versed in the language of insurance policy policies and can help policyholders navigate the claims procedure with ease.
They function entirely on behalf of the policyholder and not the insurance company, which sets them apart from insurance policies firm adjusters. This makes certain that their major target is to improve your declare settlement, instead than protect the interests of the insurer.
Denver Public Adjuster Expertise in Documenting and Examining Damages
One particular of the essential roles of a Denver Community Adjuster is to thoroughly doc and assess the damages you’ve got incurred. They have an eye for detail and knowledge in analyzing the extent of losses, guaranteeing that practically nothing is neglected. This meticulous method can drastically affect the volume you acquire in your settlement.
Negotiating with Insurance policies Firms
Denver Community Adjusters are expert negotiators. They understand how insurance organizations run and can successfully converse with insurance policy adjusters on your behalf. Their purpose is to safe a truthful and just settlement for your assert. By leveraging their information and expertise, they can often accomplish greater benefits than if you have been to negotiate with the insurance firm on your own.
Maximizing Your Settlement
The ultimate purpose of a Denver Public Adjuster is to increase your insurance policies settlement. By carefully examining your policy, examining your damages, and negotiating with insurance coverage organizations, they can help you secure the resources required to rebuild your existence following a catastrophe. Their knowledge can make a essential big difference in ensuring you obtain reasonable payment for your losses.
When going through the daunting job of filing an insurance assert, a Denver Community Adjuster can be your greatest ally. Their skills, devotion, and dedication to your passions make them a must have in the course of the statements approach. They can support you navigate the complexities of insurance policies guidelines, make certain your damages are sufficiently documented, negotiate effectively with insurance policy companies, and eventually improve your settlement. In instances of distress, having a Denver Public Adjuster by your side can make all the variation in your journey in the direction of recovery. | https://harlequingallery.co.uk/navigating-insurance-policy-claims-with-a-denver-public-adjuster/ | 575 |
India ITME 2022 shall be held in India Exposition Mart Ltd, Noida. The total number of halls will be 15 with a total area of 2,35,000 sq. mtrs, making it the largest in this industry segment.
This event is expected to host more than 1800 exhibitors in 22 Chapters and is expected to have over 1,50,000 visitors over the 6 days period.
India ITME 2022 will offer unmatched business to the exhibitors as the Indian textiles industry is set for strong growth, buoyed by strong domestic consumption as well as export demand. It will open windows to various business verticals in form of leads, contacts enquiries on a massive platform.
Participation from 91 countries and 22 Chapters, making it as a one stop platform for the engineering solutions and technical technology for textile industry, servicing the whole of Indian textile industry and building India brand.
|MACHINERY OF SPINNING PREPARATORY, MAN-MADE FIBRE & NATURAL FIBER SPINNING MACHINERY, WINDING, TEXTURING, TWISTING AND RELATED AUXILIARY MACHINERY AND ACCESSORIES
|MACHINERY FOR WEB FORMATION, BONDING AND FINISHING OF NONWOVENS AND FELTING, MACHINERY RELATED TO TECHNICAL TEXTILES AND ACCESSORIES
|WEAVING PREPARATORY MACHINERY, WEAVING, TUFTING MACHINERY, AUXILIARY MACHINERY AND ACCESSORIES
|KNITTING AND HOSIERY MACHINERY, AUXILIARY MACHINERY AND ACCESSORIES
|EMBROIDERY MACHINERY, BRAIDING MACHINERY, AUXILIARY MACHINERY AND ACCESSORIES
|WASHING, BLEACHING, DYEING, DRYING, FINISHING MACHINERY, AND RELATED AUXILIARY MACHINERY AND ACCESSORIES
|PRINTING & DIGITAL PRINTING MACHINERY, AND RELATED AUXILIARY MACHINERY & ACCESSORIES
|GARMENT MAKING MACHINERY AND RELATED AUXILIARY MACHINERY AND ACCESSORIES
|MAKING-UP INDUSTRY MACHINERY AND RELATED AUXILIARY MACHINERY AND ACCESSORIES
|LABORATORY TESTING AND MEASURING EQUIPMENT
|TRANSPORTATION, MATERIAL HANDLING, STORING AND PACKING EQUIPMENT
|EQUIPMENT FOR RECYCLING, WASTE REDUCTION AND POLLUTION PREVENTION, ACCESSORIES
|SOFTWARE FOR DESIGN, DATA MONITORING AND PROCESSING (CAD / CAM / CIM) AND INTEGRATED PRODUCTION
|ERP PACAKGE & WEB BASE SOLUTION TEXTILE INDUSTRY
|DYESTUFFS AND CHEMICAL PRODUCTS FOR THE TEXTILE INDUSTRY
|ASSOCIATED GOODS AND SERVICES FOR THE TEXTILE INDUSTRY
|MACHINERY RELATED TO ENGINEERING PRODUCTS
|TECHNICAL INFORMATION SERVICES, EDUCATIONAL, RESEARCH INSTITUTES & COE's
|NATURAL FIBRES, MAN-MADE FIBRES, TECHNICAL FIBRES, NATURAL YARNS, SYNTHETIC YARNS TECHNICAL YARNS AND RECYCLED FIBRES AND YARNS
|INTEGRATED TEXTILE PARKS
Subscribe to get the updates about new events | https://itme2022.india-itme.com/About/india-itme-2022 | 805 |
After the Event Insurance is needed to protect you in case you lose your no win-no fee claim
After the Event (ATE) insurance is where you take out an insurance policy after a legal problem or dispute has arisen in order to protect you against the risk of having to pay the other side’s legal costs if you lose.
Why is this type of insurance important for “no win-no fee” personal injury claims?
The difference between winning and losing your claim
We have seen how your solicitor will get paid for their work for you on a no win–no fee arrangement if they are successful in getting personal injury compensation for you.
It’s one thing to look at a winning scenario but it’s also important to be alive to the possibility that your claim might not succeed. What then?
No win–no fee means you won’t have to pay anything to your solicitor for their work, if you lose.
However, you could be at risk of having to pay other costs if things don’t work out in your favour.
Under no win–no fee, failure of your case is not a problem (in terms of having other bills to pay) if your claim has not got to the point where a court action has been raised.
Where your claim has to go to court in Scotland it will either be in the Sheriff Court or the Court of Session.
In the Sheriff Court, most litigated cases cost several thousand pounds; in the Court of Session, it can easily be tens of thousands of pounds.
If your case is lost after a court action has been raised, there may well be an award of expenses (costs) against you. This is because the general rule is that expenses “follow success”.
The need to have an insurance policy in place to cover court costs if your case is lost
There are possible risks to you if your claim is not covered by some kind of insurance.
The insurance type most familiar to all of us is probably what is known as Before the Event (BTE) Insurance.
We take out car insurance in order that we are covered for the cost of repairs or replacement “before the event” where by some means damage is caused to our vehicle. Of course, car insurance is compulsory.
But BTE insurance also covers situations where we have a choice whether or not to insure, such as with house contents insurance – where you take out insurance before the “event” where a pipe bursts, floods your house and ruins your furniture and belongings – which you then need to replace.
After the Event insurance for personal injury claims
ATE insurance is well-suited to personal injury claims.
Many established insurers offer insurance products of this type, though it tends to be only specialist PI solicitor firms, with a proven track record of successful claims, which have access to these policies.
The premium will be payable if the case is won but the general rule is that the payment of the premium is deferred until the end of the case.
Also, in many cases, you only have to pay the premium if you win.
In other words, the insurer indemnifies you not only against the risk of having to pay the other side’s court costs but the insurance premium is insured as well.
This can seem counter-intuitive – a bit like getting something for nothing – but it is simply one way the insurer can share in the overall risk.
Without ATE Insurance, your home could be on the line
We hope you can see from this why ATE insurance is crucial.
Without it, the access to justice provided by a no win–no fee arrangement leaves you dangerously exposed financially.
In the worst case, an award of expenses against you could lead to you being made bankrupt, putting assets like your house at risk.
Any no win–no fee agreement you sign with your solicitor should make it clear that you are indemnified and insured against the risk that your claim might fail after a court action is raised and you are found liable for the opponent’s costs.
In some cases, a solicitor may seek to “guarantee” you against costs but without taking out ATE insurance cover. This is not ideal because law firms do go bust and any promise of that nature may prove to be unenforceable.
An important criterion in choosing your personal injury claim solicitor
Personal recommendation from a friend or relative, geographical proximity and even how quickly you can get a face-to-face appointment are also significant.
However, as we have seen above, in a no win–no fee personal injury case, the ability of your solicitor to give you a watertight guarantee of protection against costs (in the event that your claim has to go to court and you lose) is crucial.
Unfortunately, it is a bit of a hidden risk and not a factor the majority of injured people will know to take into account when deciding which solicitor to instruct for their claim.
Contact us for help
We are accredited specialist personal injury solicitors in Elgin, Moray.
Feel free to get in touch with us if you have any questions arising from this post or regarding personal injury claims in general.
All enquiries are free of charge and without obligation.
Original image from Flickr Creative Commons | https://morayclaims.co.uk/after-the-event-insurance-crucial-for-no-win-no-fee-personal-injury-claims/ | 1,092 |
Learning to drive is a rite of passage and grand adventure for young adults but finding the best insurance for new drivers can be a challenge. Due to their inexperience, drivers under the age of 25 are considered at a greater risk to be involved in a car accident and are therefore more expensive to insure.
Fortunately, the insurance market is competitive and the best car insurance for new drivers under the age of 25 does not have to be a pipe dream. Finding the cheapest car insurance for new drivers requires a willingness to shop around and some flexibility.
Cheapest Car Insurance Carriers for New Drivers
For drivers under the age of 25, finding the best car insurance for new drivers will require some shopping. The bottom-line premium price is not the only factor to consider, but it is important to find a new driver insurance cost that is affordable. It is also important to find an insurance company that has a proven success of providing insurance to new drivers. The cheapest insurance carrier for young, new drivers is USAA. On average, USAA offers premium rates $565 less than its competitors.
USAA is open to military service men and women and their families only. If you are not eligible for USAA, then the next cheapest car insurance is Geico. The five cheapest car insurance companies are rated as follows with their national averages:
- USAA $875
- Geico $1,100
- State Farm $1,169
- Travelers $1,251
- Nationwide $1,284
Cost alone is not the best way to shop for car insurance, and other details can also be considered when choosing the right insurance, at the right price.
Best Car Insurance Carriers for New Drivers
Cheapest value does not tell you everything you need to know about an insurance carrier. Customer reports of claim processes and experiences help determine which insurance companies are best for young or new drivers. USAA, the least expensive, is also the best rated company by its customers. The top five car insurance companies for customer satisfaction are:
- State Farm
Finding the best car insurance for new drivers does not mean sacrificing good customer service.
Car Insurance Discounts for New Drivers
The large national insurers are not the only car insurance game in town. While national reports can show us their rates and reviews, smaller insurance company options may also be available to you. Some insurance companies specialize on specific states, versus nationwide coverage. These companies may offer insurance discounts such as:
- Good Student
- Driver Training
- Safety Equipment
- Paid in Full
Smaller, state specific, may be able to provide specialized deals for local customers, so comparing pricing and shopping around can help you find the best pricing.
Flexible Car Insurance Options
The new driver insurance cost can be mitigated for the flexibly and savvy insurance shopper. College students and those who still reside with their parents can save money if they share a policy with their parents or other live-in relative.
Multiple vehicles on one household policy will often help lower the individual cost of a new driver under 25. Multiple driver and multiple vehicle policies are available for family members who live together, or if your family member is supporting you while you are at college. These household member policies, or multiple driver policies, are only applicable to family members who live together and share demographic information.
The best car insurance for new drivers may also be attained by changing coverage selection options. If you are a new driver under the age of 25 and have a loan on your vehicle, or are leasing a vehicle, you will be required to carry full coverage. However, you can choose to increase your deductible amounts or lower your liability limits. Keep in mind that must select limits that are equal to or higher than the state’s minimal required liability limits. If you own your vehicle, you are not required to carry full coverage, so you will have more flexibility in choosing your car insurance coverage options.
Other Ways to Save
Some other factors to consider about car insurance pricing for new drivers. If you are a young driver and eyeing a sports vehicle, expect to pay more money. Insurance rates for safety rated vehicles are traditionally lower. Also, getting good grades while attending high school and college pays off. Good student discounts can range from 5% to 25%. If you are a resident college student, and your vehicle remained off-campus, you can also lower your insurance rates by specifying a lower driving frequency.
Finally, if you have not done so already, consider taking a driver’s safety course. Many insurance companies provide discounts to new drivers who have successfully completed a driver’s safety course.
For help finding the best insurance for new drivers, contact the insurance companies for more information on how they can help you choose the right car insurance coverage for you. | https://needofinsurance.com/best-new-car-insurance-for-drivers-under-25/ | 974 |
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Fire Extinguisher Maintenance: Best Practices and Checklist
Is your fire extinguisher ready to protect you in an emergency? If you've ever had doubts, worry no more! This guide will show you the best practices for maintaining your fire extinguisher and provide a comprehensive checklist to make sure they are always in top-notch condition.
By following these guidelines, you can take control of your fire safety measures and have peace of mind knowing that your extinguishers are always prepared to handle any potential fire hazard.
From conducting visual inspections to checking pressure levels and keeping records, this guide will equip you with the knowledge and tools you need to effectively maintain your fire extinguishers.
So, let's dive in and take charge of your fire safety!
Is your fire extinguisher prepared to protect you in case of an emergency? If you have ever had doubts, worry no more! This guide will provide you with the best practices for maintaining your fire extinguisher and a comprehensive checklist to ensure they are always in top-notch condition.
By following these guidelines, you can take control of your fire safety measures and have peace of mind knowing that your extinguishers are always ready to handle any potential fire hazard.
To begin, conducting regular visual inspections is crucial. Check for any signs of damage, such as dents or corrosion, which may affect the extinguisher's performance. Additionally, ensure that the pressure levels are within the recommended range for effective operation.
Another essential aspect of maintenance is keeping meticulous records. Document the dates of inspections, any maintenance or repairs conducted, and the expiration date of the extinguisher. This record-keeping will help you track the history of each extinguisher and ensure they are in compliance with safety regulations.
In terms of specific product recommendations, it is advisable to invest in fire extinguishers that are suitable for the types of fires common to your environment. For instance, if you work in a kitchen, a Class K fire extinguisher designed for kitchen fires is highly recommended.
Remember, maintaining your fire extinguishers is not a one-time task but an ongoing responsibility. Regularly review and update your checklist, ensuring that you address any issues promptly. By doing so, you can be confident that your fire safety measures are robust and reliable.
So, let's dive in and take charge of your fire safety! Your preparedness can make all the difference in safeguarding yourself, your loved ones, and your property from the devastating effects of fire.
When inspecting your fire extinguisher visually, it's important to carefully check all the external components for any signs of damage or tampering. This step is crucial to ensure that your fire extinguisher meets safety standards and will work effectively in case of an emergency.
Let's start by examining the pressure gauge to make sure it falls within the acceptable range.
Next, inspect the nozzle and hose for any cracks, leaks, or blockages.
It's also essential to check the handle, pin, and tamper seal to ensure they're intact and undamaged.
Lastly, take a look at the label to ensure it hasn't faded or become illegible.
Regular inspections of your fire extinguisher are crucial for maintaining a safe environment and preventing potential disasters.
Performing a pressure check on your fire extinguisher is important to ensure its effectiveness. To do this, carefully observe the pressure gauge. The pressure gauge provides valuable information about the internal pressure of the extinguisher, which directly affects its ability to expel the extinguishing agent. Regularly checking the pressure gauge is a crucial part of maintaining your fire extinguisher.
When checking the pressure gauge, make sure it falls within the acceptable range. This ensures that the extinguisher is properly pressurized and ready for use in case of a fire emergency. If the pressure gauge indicates a pressure below or above the acceptable range, immediate action should be taken. This may involve contacting a professional technician or replacing the extinguisher.
Keeping track of the weight of your fire extinguisher is essential to ensure its effectiveness and readiness for use. By regularly checking the weight of your extinguisher, you can determine if it needs to be refilled.
It's important to note that an extinguisher that's too light may not have enough agent to effectively suppress a fire. On the other hand, if an extinguisher is too heavy, it could indicate that it has been overcharged, which can pose safety risks.
To help you understand the weight requirements for different types of extinguishers, refer to the table below:
- ABC Extinguisher: 5-20 lbs
- CO2 Extinguisher: 5-15 lbs
- Water Extinguisher: 2.5-7.5 gallons
Ensuring proper accessibility of fire extinguishers is crucial for the safety of your facility. It's important to strategically place extinguishers throughout the premises, making sure they're easily accessible in case of an emergency.
Avoid any obstructions that could hinder quick access to the extinguishers. Remember to regularly check and maintain their accessibility to ensure they remain readily available at all times.
Proper Extinguisher Placement
Proper Placement of Fire Extinguishers
When it comes to placing fire extinguishers, it's crucial to ensure that they're easily accessible to everyone in case of an emergency. Here are four essential tips to help you achieve the proper placement of fire extinguishers:
- Strategic Locations: Install fire extinguishers in visible and easily reachable areas, such as near exits, hallways, and high-risk areas like kitchens and workshops. This ensures that they can be quickly accessed if a fire breaks out.
- Mounting Heights: Mount extinguishers at a maximum height of 5 feet from the floor. This allows individuals of all heights, including those with disabilities, to easily access them.
- Clear Pathways: Make sure there are no obstructions blocking the extinguishers, such as furniture or equipment. Keep the area around the extinguisher clear to allow for quick and easy retrieval.
- Sturdy Brackets: Use proper extinguisher brackets to securely mount the extinguishers on the wall or other suitable surfaces. This prevents accidental falls and keeps the extinguisher in its designated place.
By following these guidelines, you can ensure that fire extinguishers are easily accessible, providing the control and peace of mind needed in emergency situations.
Clearing Obstruction for Accessibility
Make sure fire extinguishers are easily accessible by clearing any obstructions around them. Regularly inspect the area surrounding the fire extinguishers and remove anything that could get in the way. This is crucial because it improves the overall accessibility of the extinguishers, allowing them to be quickly reached and used during an emergency.
Time is of the essence in a fire situation, so every second counts. By getting rid of any objects or debris that might block the path to the extinguisher, you can significantly reduce the response time and increase the likelihood of successfully putting out a fire.
Regular Accessibility Checks
Regularly checking the accessibility of your fire extinguishers is crucial to ensure they can be easily reached in case of an emergency. To conduct effective accessibility checks, consider the following steps:
- Keep pathways clear: Make sure there are no objects blocking the way to the fire extinguishers. It's important to keep hallways, stairwells, and entrances free from any obstructions.
- Install clear signage: Place visible signs that clearly indicate the location of fire extinguishers. This helps people quickly locate them during a fire.
- Conduct regular accessibility audits: Periodically assess the accessibility of fire extinguishers throughout your premises. This helps identify any potential issues or areas that need improvement.
- Provide compliance training: Train your employees on the importance of maintaining clear access to fire extinguishers. This ensures that everyone understands their responsibility in keeping the extinguishers easily accessible.
Maintenance Record Keeping
It is important to regularly update your maintenance records to accurately document all fire extinguisher maintenance activities. By keeping detailed records, you can track the maintenance history of each fire extinguisher, ensuring that they undergo proper inspections, testing, and servicing on a regular basis.
These records also help you monitor compliance with regulations and identify any potential issues or patterns of concern. In addition, they serve as a valuable resource for audits and inspections, allowing you to easily demonstrate the proactive steps taken to maintain the functionality and effectiveness of your fire extinguishers.
Make sure to include important information such as the date of maintenance, the type of service performed, and the name of the responsible technician. Prioritizing maintenance record keeping will enable you to maintain a comprehensive and up-to-date account of all your fire extinguisher maintenance activities.
Employee training plays a crucial role in maintaining fire extinguishers. It's important to regularly train your employees so that they have the necessary knowledge and skills to handle fire emergencies effectively.
Through hands-on practice, they can gain confidence in operating fire extinguishers correctly.
By following training frequency guidelines, you can ensure that your employees are always up-to-date with the latest techniques and procedures.
This will help create a safe and prepared work environment.
Importance of Regular Training
Regular training is crucial for employees to ensure the safe operation and effective use of fire extinguishers. It not only enhances their skills but also boosts their confidence in handling fire emergencies. Let's explore why regular training is so important:
- Maintenance of Knowledge: Regular training sessions help employees stay updated with the latest fire safety protocols and techniques. This ensures that they've the necessary knowledge to effectively respond to different types of fires. For example, they learn about the different classes of fires and the appropriate extinguishing methods for each class.
- Improved Response Time: Through regular training, employees become familiar with the operation of fire extinguishers. This familiarity enables them to act swiftly during emergencies, reducing response time and minimizing potential damage. They learn how to quickly assess the situation, select the right extinguisher, and use it effectively to suppress the fire.
- Enhanced Training Effectiveness: Regular training allows employees to reinforce their skills and knowledge. It provides them with opportunities to practice using fire extinguishers in simulated scenarios, improving their effectiveness in real-life situations. They learn how to handle the pressure and make quick decisions in high-stress situations.
- Risk Reduction: By providing regular training, organizations can create a culture of fire safety awareness among employees. This reduces the risk of accidents and ensures a safer working environment. Employees learn to recognize potential fire hazards, take preventive measures, and respond appropriately in case of emergencies.
Hands-On Practice Sessions
In hands-on practice sessions, you and your colleagues actively participate in fire extinguisher training to improve your skills and confidence when dealing with fire emergencies. These training sessions involve practical exercises that simulate real-life fire situations, allowing you to apply the knowledge you've gained from previous training.
By taking part in these exercises, you'll have the chance to practice using different types of fire extinguishers and become familiar with their operation. This hands-on approach ensures that you're well-prepared to effectively and safely extinguish fires in your workplace.
With repeated practice and feedback from experienced trainers, you'll develop the necessary skills and muscle memory to respond quickly and efficiently in case of a fire emergency.
Training Frequency Guidelines
To ensure that everyone in your organization is well-prepared and aware of fire safety measures, it's important to undergo regular training sessions on fire extinguisher usage and maintenance. Here are four key guidelines to consider for the frequency of these training sessions:
- Establish a Training Schedule: Creating a schedule outlining the dates and times of the training sessions allows for proper planning and ensures that everyone is aware of when they need to attend.
- Hold Regular Refresher Courses: Fire safety training shouldn't be a one-time event. Conducting regular refresher courses helps reinforce knowledge and skills, ensuring that employees are up-to-date with the latest fire safety practices.
- Consider High-Risk Areas: Identify areas within your workplace that pose a higher risk of fire incidents. Conduct more frequent training sessions in these areas to provide employees with specific skills and knowledge to handle potential fire emergencies.
- Evaluate and Adjust: Regularly assess the effectiveness of your training program and make any necessary adjustments. This ensures that the training sessions remain relevant and impactful, equipping employees with the necessary tools to respond effectively in case of a fire emergency.
By following these guidelines, you can establish a robust training program that empowers your employees to confidently and effectively handle fire incidents.
Frequently Asked Questions
How Often Should Fire Extinguishers Be Inspected and Maintained?
Regular inspection and maintenance of fire extinguishers is essential to ensure their effectiveness in case of a fire. By checking them at specified intervals and following proper maintenance procedures, you can ensure their reliability when it matters the most. Inspecting and maintaining fire extinguishers not only guarantees their functionality but also plays a crucial role in keeping your surroundings safe from potential fire hazards. It is recommended to conduct these inspections and maintenance tasks on a consistent basis to ensure the optimal performance of your fire extinguishers. Remember, prevention is always better than cure, and by taking these proactive measures, you can be better prepared to handle any fire emergency that may arise.
What Are the Different Types of Fire Extinguishers and Their Specific Maintenance Requirements?
To ensure the proper care and functionality of your fire safety equipment, it's important to have a clear understanding of the different types of fire extinguishers and their specific maintenance requirements. This knowledge will empower you to effectively protect yourself and others in the event of a fire. By explaining the importance of knowing this information, you'll be better prepared to maintain and use your fire extinguishers correctly. Let's dive into the details of each type of fire extinguisher and the specific steps needed to maintain them. Additionally, we'll provide specific examples and product recommendations to help you make informed decisions. So, let's get started on this crucial aspect of fire safety.
Can Fire Extinguishers Be Recharged or Refilled, or Do They Need to Be Replaced Entirely?
If you've used a fire extinguisher or notice that its pressure is low, you have the option to recharge it. This ensures that it remains effective in case of an emergency. However, it's important to note that if the fire extinguisher is damaged or has expired, it's best to replace it entirely. This is crucial for your safety as damaged or expired extinguishers may not function properly when needed the most. Remember, it's always better to be prepared with a fully functional fire extinguisher in case of a fire.
Are There Any Specific Regulations or Guidelines Regarding the Placement and Accessibility of Fire Extinguishers in a Building?
Fire extinguisher placement and accessibility in buildings are regulated by specific guidelines. It is crucial to adhere to these rules to ensure quick and easy access to fire extinguishers during emergencies. By following these guidelines, you can effectively mitigate the risks associated with fires and protect both lives and property.
When it comes to fire extinguisher placement, it is important to consider various factors. Firstly, extinguishers should be easily visible and accessible, preferably mounted on walls at a height between three and five feet. They should be placed near potential fire hazards, such as kitchens, electrical panels, or areas with flammable materials. Additionally, fire extinguishers should not be obstructed by objects or hidden behind doors.
Furthermore, it is essential to conduct regular inspections of fire extinguishers to ensure they are in good working condition. This includes checking the pressure gauge, inspecting the nozzle and hose for any damage, and ensuring that the safety pin is intact. If any issues are detected, the extinguisher should be promptly serviced or replaced.
In terms of accessibility, fire extinguishers should be located along common escape routes, near exits, and in areas where people tend to gather. This ensures that in the event of a fire, occupants can easily locate and utilize the extinguishers to suppress the flames before they spread.
How Frequently Should Employees Be Trained on Fire Extinguisher Usage and Safety Procedures?
Employees should receive regular training on fire extinguisher usage and safety procedures. This is crucial because it equips them with the knowledge and skills needed to prevent and respond to fires effectively. By empowering employees through training, they become responsible for fire prevention and are better prepared to handle emergencies. Regular training ensures that employees stay updated on the latest safety protocols and are capable of taking swift and appropriate action when needed. It also instills a sense of confidence and calmness during fire incidents, which can help minimize panic and maximize safety. Therefore, it is essential to prioritize ongoing training to ensure the safety and well-being of all employees.
Category: Fire Safety Essentials | https://toprankgadgets.com/fire-extinguisher-maintenance-best-practices-and-checklist/ | 3,434 |
Hunt Valley, Maryland, is home to impressive sights and a thriving community. Located north of Baltimore City, it boasts the Baltimore Zoo, the Baltimore Museum of Art, the Loch Raven Reservoir, and much more. For every business location, fire protection will always be necessary, and fire extinguishers make up a significant part of a fire protection system. If you need fire extinguisher services in Hunt Valley, Maryland, look no further than Fireline Corporation.
The Need for Fire Extinguishers
No matter where you are, whether it’s Hunt Valley or anywhere else in the world, fire extinguishers are small but significant tools. Over the decades, they have put out at least 80% of all commercial fires in the United States annually. With quick detection by fire alarms and swift action from people, most commercial building fires have been put out without the fire department or expensive fire sprinkler or suppression systems.
Fire Extinguisher Products
Unlike what many might think, however, one cannot simply order any old fire extinguisher. Your first step in getting fire extinguisher services in Hunt Valley is to install the right fire extinguisher product. There are many kinds and sizes, some very lightweight and small, and some very large and heavy-duty. A Fireline professional can evaluate your property and prescribe, order, and install the right kind and size for you. The types of units you might use include:
- Class A: For plastic, wood, paper, fabric, trash, and other such materials
- Class B: For flammable liquids like oil and gasoline
- Class C: For electrical equipment, like computers, data centers, etc.
- Class D: For combustible metals, often in industrial environments
- Class K: For commercial kitchen fires
- Multi-purpose ABC: Fireline Corporation was one of the first companies to distribute this multi-purpose fire extinguisher in the 1960s
- Multi-purpose BC: A combination for flammable liquids and energized electronics
Fire Extinguisher Services
Fire extinguisher services continue from the installation of the right class and size to regular maintenance and potential repairs. Fire extinguishers need regular inspections for visible damage, and hydrotesting to check internal pressure. Testing frequency depends on the type of extinguisher, generally falling into once a year or every five, six, ten, or twelve years.
Fireline Corporation has numerous services besides inspections and testing, including an Annual Automatic Service Plan, guaranteed next-day replacement for empty units, in-house repairs, mobile recharge capability, and more. Fireline’s fire extinguisher services in Hunt Valley can’t be beat.
Fire Protection Services from Fireline
Whether you need smoke detectors, fire extinguishers, or an automatic sprinkler system installed at your commercial property, Fireline has you covered. We have been protecting people and property from fire damage since 1947—and our experience shows in our excellent work! We are known for our superb customer service, our expertise, and our reliability. For more information on how we can help your residential or commercial property, visit us online or give us a call at (800) 553-3405. We are located in Baltimore, MD, with a second office in Leesburg, VA. For more fire safety tips, be sure to follow us on Facebook, Twitter, and LinkedIn. | https://www.fireline.com/fire-extinguisher-services-in-hunt-valley-maryland/ | 683 |
Why choose Howden for Temporary European Car Insurance?
As a specialist motor insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships our team has with our selected panel of standard and specialist motor insurers, we make the process of comparing different vehicle insurance policies, on your behalf, simple and straightforward. What’s not to like?
Our specialists know that each temporary European car policy needs to be as individual as its owner and their vehicle, and that’s why we provide a bespoke, personalised service, focused on getting to know you and finding out exactly what you want from your insurance.
Ultimately, whether you need to make a claim, purchase a new motor policy, or renew an existing one, just know that we’re only a phone call away.
Benefits of choosing Howden:
- Flexible policies from just one hour up to 28 days.
Quick quotes available in just 90 seconds.
- You can trust us – we’re rated Excellent on Trustpilot.
- Benefit from a tailored service that comparison sites can’t provide.
- We’re right by your side in the event of a claim.
What are the advantages of opting for temporary car insurance?
In addition to sparing you the hassle and potential expense of modifying your existing policy, temporary car insurance provides the specific coverage you require for the exact duration you need.
This type of insurance is available for as brief a period as a few hours up to a maximum of 28 days, allowing you to pay only for the insurance corresponding to your actual usage. This flexibility enables you to tailor the length of your policy to the specifics of your trip. Furthermore, if your adventure extends beyond the initially planned duration, obtaining new cover is a quick process, taking just minutes to obtain and accept a quote online.
Another benefit is the option to choose from various optional extras. While these might not be necessary to include in your annual policy, they can be selected based on the nature of your trip, potentially making your journey more convenient.
Where will temporary European car insurance allow me to drive?
Concerning the geographical coverage, a temporary policy inherently covers driving anywhere in the UK. However, with temporary European car insurance, you gain coverage for driving across all EU member states, as well as the following locations:
- San Marino
Before acquiring insurance, it's essential to be aware of the countries you'll be driving in. This allows you to check the minimum level of required coverage and verify whether the policy adequately covers your intended destinations.
Get in touch
Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you. | https://www.howdeninsurance.co.uk/personal/motor/related-motor/temporary-european-car-insurance/ | 564 |
A 10 year term life insurance policy is a type of term life insurance that provides coverage for a fixed period of 10 years. This means that if the insured person passes away within the 10 year term, their beneficiaries will receive a death benefit payout, usually tax-free. If the insured person outlives the 10year term, the policy simply expires without any payout.
Some features of a 10 year term life insurance policy include:
- Affordability: Since the coverage period is limited to 10 years, the premiums for a 10 year term life insurance policy are generally more affordable compared to longer-term policies or permanent life insurance policies.
- Level premiums: The premiums for a 10 year term policy typically remain level or constant throughout the entire 10 year term. This means you'll pay the same amount each year for the duration of the policy.
- Renewability and conversion options: Depending on the specific policy and insurance provider, a 10 year term life insurance policy may offer the option to renew the policy at the end of the term or convert it into a permanent life insurance policy without undergoing a new medical exam. However, these options may come with higher premium rates.
- Simplicity: A 10 year term life insurance policy is generally straightforward, offering a death benefit without additional features like cash value accumulation or investment components, which can be found in some permanent life insurance policies.
What happens when a Term Life Insurance expires
When a term life insurance policy expires, several things can happen, depending on your specific policy
- Coverage ends: The most straightforward outcome is that your coverage simply ends when the term expires. You will no longer have life insurance protection, and your beneficiaries will not receive any death benefits if you pass away after the policy expiration date. You also won't receive any refund of the premiums you paid during the term.
- Renewal: Some term life insurance policies offer the option to renew the policy at the end of the term without undergoing a new medical exam. However, keep in mind that the premiums for the renewed policy will likely be higher due to your increased age and potential changes in health status. The renewal terms may also be different from those of the original policy.
- Conversion to permanent life insurance: Some term life policies include a conversion option, which allows you to convert your term life policy into a permanent life insurance policy (such as whole life or universal life) without a medical exam. Converting your policy can provide lifelong coverage and potentially build cash value, but it usually comes with higher premium rates.
- Purchase a new policy: If your term life insurance policy expires and you still want life insurance coverage, you can apply for a new policy. Keep in mind that you may need to undergo a new medical exam, and your premiums may be higher due to your age and any changes in your health status.
Term Life Insurance, Cancellation Policies, and Refunds
As an insurance specialist, I understand that navigating the world of term life insurance can be daunting. This comprehensive guide will help you better understand the workings of term life insurance, cancellation policies, and refunds.
It's essential to have a clear understanding of term life insurance policies, including the specific conditions for cancellation policies and refunds.
This detailed explanation will help you gain insight into how term life insurance works, its cancellation policies, refunds, and the best course of action for policyholders who want to cancel their policy.
Understanding Term Life Insurance
Term life insurance provides coverage for a specific period or "term" (e.g., 10, 20, or 30 years). It pays a death benefit to the beneficiaries if the policyholder passes away during the term. If the policyholder outlives the term, the coverage simply expires without any payout.
Premiums are the regular payments you make to keep your term life insurance policy active. They are usually paid monthly, quarterly, or annually, depending on your preference and the insurer's options. The premium amount is determined by factors such as your age, gender, health, coverage amount, and the term length.
Cancellation Policies and Refunds
If you decide to cancel your term life insurance policy before the end of the term, the cancellation process and potential refunds depend on the specific policy and insurance provider:
- Free look period: Most insurers offer a free look period (usually 10-30 days) after purchasing a new policy. During this time, you can review the policy, and if you decide it's not right for you, you can cancel it for a full refund of any premiums paid. It's essential to contact your broker to confirm the specific details about your policy and the free look period's terms and conditions.
- Cancellation after the free look period: If you cancel your policy after the free look period, you may or may not receive a refund, depending on the policy terms. Some insurers offer pro-rated refunds, which means they will return a portion of your premium payment for the unused coverage period. However, many term life insurance policies do not provide refunds upon cancellation.
For more information on term life insurance and industry statistics, visit the Insurance Information Institute.
Factors Affecting Potential Refunds
The amount of money you may be entitled to if you cancel your term life insurance policy depends on several factors:
- Policy terms: Each insurer has its own terms regarding cancellations and refunds. Always review your policy documents or consult with your insurance provider for specific information.
- Premium payment frequency: If you pay your premiums annually and cancel your policy mid-year, you may be more likely to receive a pro-rated refund for the unused portion of the coverage period.
- Timing of cancellation: The likelihood of receiving a refund decreases as you get closer to the end of the term.
Best Practices for Managing Term Life Insurance Policies
- Regularly review your coverage needs: It's essential to periodically assess your financial situation and coverage requirements to ensure that your term life insurance policy still meets your needs.
- Keep your beneficiaries updated: Make sure to update your policy's beneficiary designations as your life circumstances change (e.g., marriage, divorce, or the birth of a child).
- Maintain premium payments: To avoid policy lapses, ensure that you consistently make premium payments on time.
- Consult with an insurance professional: If you have questions or concerns about your term life insurance policy, it's always a good idea to consult with an insurance specialist or financial advisor who can guide you through the complexities of managing your policy and help you make informed decisions.
By understanding the workings of term life insurance, cancellation policies, and refunds, you can make better decisions about your coverage, protect your loved ones, and maximize your policy benefits.
In conclusion, the expiration of a term life insurance policy presents various options for policyholders. Whether you choose to let the coverage end, renew the existing policy, convert it to a permanent life insurance policy, or purchase a new policy altogether, it's crucial to carefully consider your individual financial circumstances and future requirements.
By evaluating your needs and consulting with an insurance professional, you can make informed decisions that ensure continued protection for yourself and your loved ones, providing peace of mind as you navigate life's uncertainties. | https://www.insurebc.ca/articles/do-you-get-money-back-after-a-term-life-insurance | 1,468 |
The healthcare insurance is an insurance that typically covers both healthcare and rehabilitation services. Both life insurance companies and non-life insurance companies can offer healthcare insurance. Life insurance companies account for just under one-third of the number of policies, while non-life insurance companies account for the remaining two-thirds.
The number of healthcare insurance policies has been increasing steadily over a long period of time. By the end of 2021, more than 723,000 individuals had a healthcare insurance policy (see figure 23). This represents a 43 per cent increase since 2012. Nearly 6 out of 10 policyholders have their insurance paid by their employer, and slightly over 3 out of 10 have obtained their healthcare insurance as a group policy, for example, through their trade union. The remaining approximately 10 per cent have an individual healthcare insurance policy that they have personally obtained.
The healthcare insurance is financed through premiums paid by the policyholders and in 2021, policyholders paid around 3.9 billion SEK in premiums for healthcare insurance. None of the healthcare services provided under the healthcare insurance are financed by means of taxation.
The content of a healthcare insurance policy may vary slightly between different insurance companies but generally includes healthcare advice, care planning, and specialist care. It often includes preventive measures and rehabilitation efforts as well. The policy may also cover costs for medication and post-treatment care. Services that are not covered or managed within the healthcare insurance policy include emergency care, intensive care (ICU), childbirth, cosmetic treatments, and end-of-life care. The entire cost of healthcare is financed through premiums paid by policyholders.
The healthcare provided within a healthcare insurance policy primarily focuses on planned specialist care. The most common services covered by the policy include treatments by physiotherapists and/or naprapaths, as well as psychologists. Other common services within specialist care include treatments by dermatologists, ear, nose, and throat specialists, gynecologists/urologists, and more.
In 2021, approximately 1.4 million treatments were carried through under the healthcare insurance policy, including 46,413 surgeries (see figure 24).
All services within the healthcare insurance policy are preceded by a medical assessment, similar to the process within publicly funded healthcare. Treatment is only carried out if there is a determined need for it, and it is performed exclusively by private healthcare providers in Sweden or abroad.
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Ange din registrerade e-postadress för att få ett nytt lösenord skickat till dig. | https://www.svenskforsakring.se/en/the-insurance-industry/non-life-insurance/an-increasing-number-of-people-have-healthcare-insurance/ | 589 |
You may also have a plan to build a fire spot for making a barbecue or an oven for a pizza, but these styles and designs are quite difficult to make without professional help, outdoor brick fireplace grill designs are always available in the shops.
Here is essential science on fireplace design. We have the world class sources for fireplace design. Check it out for yourself! You can discover Brick Outdoor Fireplace DIY guide and view the latest Top Brick Outdoor Fireplace Interesting Design in here.
The brick fireplace remodel is one of the most widespread and popular ideas in the world of design. In most cases it includes only painting the bricks of a chimney place and it is a really wonderful idea for fast renewing the interior but it may not be as simple […]
Today mantel piece surround can be made from different materials as well as using different extra elements and decorations, but one of the most practical is metal fireplace surround. Definitely the variations of them are really big. People can buy as new and modern as very old. For instance, some […]
The process of making a whitewash brick fireplace is not complicated at all but there are a few moments that every person who is going to whitewash a fire spot must know. When you made a decision to whitewash a brick fireplace, the first step you have to take is […] | http://bestfireplacedesigns.com/brick-outdoor-fireplace/brick-outdoor-fireplace-diy/ | 270 |
RISK IN USING CREDIT/DEBIT CARDS, TACTICS IN DETECTING AND PREVENTING FRAUD
АнотаціяAs technology become, more advanced people are being accustomed to keep less cash on hands and rely on credit/debit cards, which have opened the door to many fraudulent transactions, and it is a global challenge which many banks are facing that requires a long-term solution. In last 5-10 years, many IT companies have focused on creating a software for these big organizations that can prevent further fraud and give people more freedom of using their cards more easily without becoming a victim. Nevertheless, the advanced software system which many giant banks are currently using is called Falcon Fraud Detection System which is a software specifically designed to track a fraud that is taking place all over the world. Moreover, Falcon Fraud Detection System has become a hub for bigger banks and it produces results more frequently because it’s reliable, user friendly, requires less training, catch a trend which fraudster uses with common vendors. However, we must not forget that these card frauds cause millions of dollar on monthly basis and to benefit society they have raised awareness programs, email campaigns, security updates via app banking where they are always alerting customers to use certain tactics on how to how to save yourself from becoming a victim of card fraud. A publication covering global payment systems, reported recently that global card fraud losses equaled $22.8 Billion Dollars in 2016 , by implementing having this fraud detection software even though it completely does not zero out fraud risk completely it surely reduce the numbers, and inform them of the trend that is being happening in today’s market. Additionally, card fraud remains a concern for a consumer and retailer everywhere. Falcon Fraud System recently revealed that criminals are using different tactics of using counterfeit technology chips in the ATM, EFPOS, and merchant machines in grocery store by putting a microchip and stealing customer data to create counterfeit cards. There has been 3-fraud detection techniques widely discussed and are used by these banks and they have implemented these techniques over fraud detection software. Firstly, genetic algorithms and a range of additional algorithms, this is created to establish logic rules that classify credit card transactions into suspicious and non-suspicious classes. This detection method has been proven when it comes to detecting and countering credit card fraud. This technique also incorporates range of methods that are used to predict any suspicious behavior . Secondly, Clustering techniques are used to detect behavioral fraud. It allows for identification of accounts that are behaving differently from one another those accounts are flagged as being suspicious then fraud analyst proceed to investigate such discrepancies . Lastly, Neural Network is also effective credit card fraud detection method but since all the data has to be clustered to the account, type it belongs to it is used less commonly then last two methods . Creators of Falcon Fraud Detection system have created codes to use above methods in this system also block certain transactions while consumers can have the card in their possession. This technique has led to many fraudster think differently and finding other ways to bypass this software but since banks do have resources available they have invested smartly in this Falcon Fraud Detection system to minimize the losses and offer secured cards to consumers with advancing technology. Not everyone spends time checking his or her credit card transactions history when billed on monthly basis. Now days many people banking with multi national bank complain about the transactions they are billed on monthly basis for long period of time, which they have no knowledge off and never losing a card from their side, many times they cannot figure out the charges. Additionally, we can conclude not only there are risk continues to be on the rise for fraudulent card transactions but hackers also using technology wisely so people who do not check their card statements can also become part of their fraudulent scheme. Therefore, banks are always on the alert for the risk associated with increasing on using card and always finding ways to prevent or reduce the risks.
Міжнародний бізнес в умовах тенденцій розвитку глобальних викликів | http://conf.management.fmm.kpi.ua/proc/article/view/179325 | 877 |
Adapt Ready on the Cutting Edge of Risk Intelligence for Commercial Insurance
New York, May 3, 2022 — Adapt Ready announced today that the company won the coveted Zurich Innovation Championship. Zurich Insurance Group Ltd specifically cited Adapt Ready’s award-winning risk intelligence platform that provides insurers 360° risk insights in naming the technology company a winner in its 2022 Insurance Innovation Championship.
“We’re thrilled to be chosen out of thousands of contenders for this partnership. The accelerator will take our existing relationship with Zurich to the next level,” said Adapt Ready CEO Shruthi Rao. “This recognition comes at an opportune time as we enter a growth stage funding round. Be it a pandemic or climate change, it is crucial to address supply chain impacts; we look forward to working with Zurich on solving some of the biggest challenges for the industry.”
“The lack of data with context is the biggest hurdle in understanding supply chain risk,” says Adapt Ready CTO Sandeep Chandur. “Adapt Ready uses proprietary technology and comprehensive data about the global supply chain to identify companies and assets at the most significant risk from business interruption.”
“This is especially true when planning for climate change,” says Adapt Ready Advisor Chris Walker. “Modeling for the climate is only as good as the data underneath. Adapt Ready’s platform fills a huge knowledge gap in understanding the complexity to help with climate adaptation and measuring climate risks.”
“Investors who understand the real backbone of our technological advantages are aware that our intellectual property strategy, coupled with the complexity of the problems, creates solid entry barriers,” says Rao. “Similarly, insurers ready to adopt the latest tech can address these challenges and help close the coverage gap for Contingent Business Interruption by unlocking $63 billion in opportunities. Adapt Ready will equip them with best-in-class tools and insights.”
US-based Adapt Ready’s ground-breaking risk intelligence software platform is designed for commercial insurers, brokers, and corporate clients. Our patent-pending technology optimizes external data and delivers insights that enable our clients to manage risk better and enhance their growth and profitability. | https://adaptready.com/adapt-ready-wins-zurich-innovation-championship/ | 454 |
If you are an incorporated Not for profit arts group you are eligible to become a Regional Arts NSW Members and save up to 40% off our standard insurance packages.
Working within the Art industry, you have significant risk exposures, planning for all eventualities is a must and obtaining the right insurance is vital. Artsure arranges insurance cover specifically for your industry with insurance you want – the cover that’s right for you, not just a standard package.
As an Not for Profit Art Group what are some of the things you need cover for:
- Being sued if someone gets injured during a visit to your festival or exhibition or any property damage that may be caused to the venue, council property or other persons premises that you may use.
- Injury to volunteers while performing unpaid voluntary work for or on behalf of the group eg – A volunteer is injured whilst setting up an art installation
- Accidental Damage, destruction or loss to your artwork/artist supplies and tools anywhere within Australia.
- Breach of copyright, discrimination claims, breach of intellectual property/plagiarism, Alleged unfair dismissal Alleged defamation.
- Property Damage to the premises and contents following a fire incident, storm damage, water damage etc
Types of insurance your Artsure package can include:
- Management Liability
- Goods In Transit Insurance
- Motor Vehicle Insurance
Public and Products Liability
Liability insurance covers your legal costs and expenses in the event you are found negligent for personal injury or property damage to another party.
Provides cover for risks associated with managing and running the association rather than covering the business activities. It is designed for not-for-profit organisations covering the office bearers and board members against personal liability for breaches of their duties as well as the organisation’s liability.
Voluntary Workers – Personal Accident
Cover for injury to volunteers while performing unpaid voluntary work for or on behalf of the group
Accidental Damage, destruction or loss to your artwork/artist supplies and tools anywhere within Australia.
Property and Business Interruption
Covers damage or loss to buildings, contents and stock caused by insured events and accidental damage including glass cover. | https://artsure.com.au/insurance/regional-arts-nsw-member/ | 438 |
A patio is an extension of your home that offers a nice exterior space to relax with your kids. The most important thing to consider in designing your patio is something that you really like to do, and the things that will improve the quality of your life and your family’s. On the other hand, is it ok to put a fire pit on a patio?
Yes! A fire pit gives your outdoor place a glimpse of light and a warm environment on a cool, dark night. Though, a fire pit may damage your deck and cause harm. Thankfully, there are solutions to maintain the elegance of your patio and continue to reminisce and enjoy the fire in your own space.
In this article, we will discuss whether you can put a fire pit on a patio. We will also tackle the do’s and don’ts of having a fire pit and the things we should know before installing a fire pit on a patio.
Can You Put a Fire Pit on a Patio?
The answer is definitely yes! A fire pit is a perfect addition to your patio. An outdoor space like your patio is a great place to loosen up from a stressful day of work, and you can make it even more relaxing by adding a fire pit. It is a perfect idea to enhance your patio’s ambiance and elevate the comfort it brings. Having a nice patio and warm environment to unwind outdoors functionally extends your home.
A fire bowl, whether fixed or portable, can be the warmest and most inviting asset on your patio. Regardless of whether you are meditating by yourself or hosting an evening party, a fire pit somehow creates a natural ambiance and becomes the main attraction. It lights up the place and, at the same time, keeps bugs at bay. It is also a perfect spot for kids to grill marshmallows and get the s’mores going and certainly ensures a magical night.
An outdoor fire pit has many health benefits as well. Sitting outside around the fire on a cold night isn’t just about keeping you warm; it gives you a comfortable feeling of being protected from the elements. It has been proven to promote relaxation and even decrease high blood pressure. Whether it is caused by the flaring flames or the natural sense of safety, outdoor fire pits appear to calm the nerves and bring you tranquility.
The good thing about outdoor fire pits is how they satisfactorily fit in any backyard or patio. Whether you have a bedroom-sized space or a garden the size of a tennis court, there are outdoor fire pits available for all spaces.
If you still want to enjoy lounging outside in your patio even when the weather is freezing, you need to get yourself an outdoor heating system. Your best choices are a fire pit and a patio heater. Both can definitely increase your body temperature and keep you warm, but the question is: which one should you choose, a patio heater or a fire pit? Read our article to find out.
Will a Fire Pit Damage Your Patio?
A fire pit adds beauty, light, and warmth to your outdoor living area. Upgrading the space will make you appreciate it to the fullest and will benefit your family. The atmosphere of the fire makes relaxation and recreation even better. Nothing complements a chilly evening better than the sizzling sound of burning firewood under the beautiful moonlight.
However, the heat from your outdoor fire pit may cause damages to the concrete or any other heat-sensitive materials underneath it. Although concrete is not flammable, a wood-burning fire pit may damage an unprotected concrete patio due to the heat after some time.
This wood-burning fire pit is usually made of aluminum, copper, or wrought-iron bottom that conducts heat very well. It is not a good idea to place it merely six inches above your concrete patio. It sometimes results in visible cracking, erosion, discoloration, and generally, weakens the surface. In some instances, it may even lead to concrete explosions.
Aside from damaging the concrete, a fire pit can burn the grass’ surface and wooden deck below it. So, avoid placing a fire pit on these surfaces if you don’t have any means of protection from the heat underneath it. When installing a brick and rock fire pit, make sure there is nothing around that might potentially catch on fire. Hot ash and sparks can also light up when landing on combustible materials.
Solving the problem
Luckily, you can easily solve this issue by placing a quality fire pit mat under your fire pit. This protective heat shield blocks the heat transfer to your concrete surface. It is placed underneath the fire pit and above the concrete patio or wooden deck. Since fire pit mats are made of volcanic rock(carbon fibers), they effortlessly prevent the heat from reaching through. Using this properly will safeguard your patio, even if left unattended.
Both portable and permanent fire pits are capable of burning your concrete and may create cracks. Although some fire pits can badly damage your concrete patio, a propane fire pit does not have the same kind of issue as a wood-burning fire pit.
Although you may have a dangerous fire pit, you can take action to alleviate the issues. As fire is always associated with big risks, keep in mind to observe fire safety requirements. As safety is the main priority, using a fire pit mat in all types of fire pits is necessary to prevent further accidents and damages.
Things to Know Before Installing a Fire Pit on Your Patio
Everyone will agree that sitting in front of the fire is something we should do every once in a while. Well, there is no best place to carry it out than your own home. Sitting around a fire has been a practice and one of the best ways to relax and calm down, and fire pits eventually became alternatives to traditional bonfires. But before we feel the excitement of having a fire pit, we have to consider some important matters in installing one in our backyards.
The first thing to consider in any home improvement is the cost of the project. This depends on the type and size of the fire pit you’d like. You can buy a simple unit from the store or build your own. If you have a tight budget, we suggest you go for a simple fire pit. A cheap, portable steel fire pit may cost around 200 dollars.
The cost of a fire pit may start from 100 dollars, but anticipate that it may rise to thousands of dollars if you add up other amenities. Others would spend a fair amount, especially if you add other features to it. A fire pit that is installed directly and permanently into a stone patio can cost 4,000 dollars.
Choose between a permanent or portable fire pit
Once it is allowed in your place and you have determined where to place it, you have to decide whether you want a portable or permanent fire pit. The decision you make will depend on your needs as fire pits come in all sizes and shapes.
Portable fire pits can be moved around your property as they are lightweight and can be placed anywhere you want during an outdoor gathering. A permanent fire pit, on the other hand, can add to your property value, especially if it is greatly designed and adds attraction to your home.
Choose your materials and style
Fire pits have many styles and designs to choose from. Consider your space so you will know what size of fire pit you need and choose the one that best fits your area. Make sure you don’t pick one that is too large for your patio. Some popular types of fire pits include those with square or rectangular designs and fire bowls.
If you have a tiny patio, a fire bowl is a good portable option. Stainless steel and copper fire bowls, although expensive, are rain and rust-resistant and easy to clean. They are safe and look beautiful and shiny on your patio.
In a spacious patio, you can choose between a rectangular and square design that is preferably permanent. Stones and marble slabs are the best for a permanent fire pit as they give a rustic look. Nonetheless, whichever style and material you choose, you have to make sure that it complements the overall look of your patio.
Consider the safeness
In all aspects, safety is always the top priority. You might not completely enjoy your fire pit if it is not safe. Therefore, you have to see that everything is in place and settle to avoid any danger that may harm your property and family.
Is your fire pit not generating enough heat? This will be a problem, especially during the colder months. If you want your fire to burn stronger and generate more heat, check out our 5 ways to get more heat from your fire pit.
Do’s and Don’ts When Putting a Fire Pit on Your Patio
As we already know, a fire pit is a great addition to your patio and allows you to chill out. Yet, putting a fire pit on your patio is dangerous and may cause you to stress, particularly if you don’t know the do’s and don’ts of having one. If you want to avoid certain issues on your patio, you need to keep a few things in mind.
Here are the do’s:
Choose a perfect location
Choose a location that is far away from combustible materials and items, such as furniture, overhangs, and especially including your house. As a rule of thumb, a fire pit should be placed 10 feet away from your home and other items. You may check the guidelines for installing a fire pit in your yard online. Always keep in mind that on windy days, the fire may get blown by the wind, causing your valuables to catch on fire and putting your home at risk.
Protect the surface
As already discussed, a fire pit mat helps secure your deck from sparks, gas, and ash. Such a pad comes from various materials, such as metal and metal, and keeps your deck secure throughout.
Cover with spark screens
Investing in a fire pit spark screen for extra shielding against flying sparks will prevent ashes from floating in the air and possibly burn things close to the fire like your beautiful furniture. Also, a poker tool is a great addition to control the woods and fire.
Add extra layers
Add extra inches of sand inside the fire pit before you light it up. This addition will give an extra layer of protection to your deck and will extend the effectiveness and quality of your fire pit mat.
Consider the weather conditions
Ideally, it is great to use your fire pit in calm weather. A gentle wind is considerable and will not cause fire by reaching nearby valuable things.
Clean your patio before lighting your fire pit
You must clean your patio before lighting your fire pit, especially if close to trees, leaves, and other matter that may accumulate on your patio. These things can easily spark and may cause an unwanted fire.
Dispose of the ashes once the fire pit has cooled down
Always dispose of the ashes after using your fire pit. Settling them for a few days in the fire pit may cause corrosion if the ashes soak up in moisture. Some may blow out around your patio and bring out difficult cleaning. You can wait for at least 24 hours and take out the ashes. Otherwise, you can save and use them as garden compost.
Check for a local ordinance
Some local government units and Homeowner’s associations have laws and regulations regarding the use of fire pits due to potential fire-related property damages. Thus, you better check what these ordinances are, if there are any, before installing a fire pit at your place. Complying with these policies will prevent any fines and charges.
Here are the don’ts:
Don’t place your fire pit near the side of your home
The most important safety measure to implement when using the fire pit is to keep it at least 20 feet away from your house and other ignitable structures. Remember that a fire pit brings out heat, and too much heat may damage your house’s siding or even light it on fire. Make sure you don’t place the fire pit next to anything that could easily catch fire.
Don’t place your fire pit directly on a wooden patio
Don’t place your fire pit directly on a wooden patio’s surface. The bottom part of the fire pit produces heat and scorches your deck. Instead, protect your wooden patio from further damage by placing a fire pit mat in between. You may also use a small grid and pavers as an alternative. Simply arrange the pavers to shield the area of the patio surface and place the fire pit on top of it.
Don’t use lighter fluid to ignite the fire
It is pointless to use lighter fluid to fire your wood. It increases the risks of property damages and may cause injuries. Dry wood can easily ignite with just a little effort. Properly position woods to allow air to pass through and some kindling or tinder in the middle to get it cracking.
Don’t leave your lit up fire pit unattended
Never leave your fire pit unattended. Remind family members to watch it if you have to run some errands. Unattended fire could spark a secondary fire and cause property damages. This rule is not only limited to fire pits but also applies to all activities involving fire.
Now, you are ready to create your dream backyard. You already know everything you need to know about having a fire pit at your place. A fire pit is a great addition to your patio and a beautiful spot for gathering with family. A fire pit is a primitive way of relaxing on your patio.
Just imagine the smell of burning wood and that campfire aura… The warm glow of fire creates a romantic and dramatic setting. Enjoying a wonderful night under the moon and perfect weather is a breathtaking experience and creates unforgettable memories. | https://backyardway.com/can-you-install-fire-pit-on-patio/ | 2,849 |
Welcome to FutureNewsForYou! If you’re looking for tips on insurance, you’ve come to the right place. Insurance can be a complicated and confusing topic, but it’s also incredibly important. Whether you’re looking to insure your home, car, or yourself, having the right insurance policy can provide peace of mind and protection in the event of an unexpected event.
Here are a few insurance tips to keep in mind:
- Shop around for the best rates: Insurance rates can vary widely from one provider to another, so it pays to do your research and shop around. Get quotes from multiple insurers and compare the coverage and rates offered by each.
- Understand what you’re buying: Before you sign up for any insurance policy, make sure you understand what you’re buying. Read the fine print, ask questions, and make sure you know what’s covered and what’s not.
- Consider your deductibles: The deductible is the amount you’ll have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your monthly premiums, but it also means you’ll be responsible for more of the cost if something happens.
- Bundle your policies: Many insurance companies offer discounts if you bundle multiple policies together, such as home and auto insurance. Check with your provider to see if you’re eligible for any discounts.
- Keep your coverage up to date: Review your insurance policies regularly to make sure they still meet your needs. Life changes, such as a new car or a home renovation, can affect your coverage requirements.
- Consider working with an insurance broker: An insurance broker can help you navigate the complex world of insurance and find the right policies to meet your needs. They can also provide advice and guidance on how to get the most out of your coverage.
By following these tips, you can make sure you have the right insurance coverage to protect yourself and your assets. Remember, insurance is an investment in your future, so take the time to do your research and make informed decisions. Thanks for visiting FutureNewsForYou, and be sure to check back for more helpful tips and insights! | https://futurenewsforyou.com/about/ | 452 |
What is the age of your system?
“How long has the boiler been in operation?” should be one of the first questions you ask to figure out when it’s time to replace your boiler. While most individuals are aware that their boiler can’t live forever, many people make this assumption. The average lifespan of a boiler is between 15 and 25 years. It may be time to upgrade your boiler if your old one is 23 years old and needs serious repairs.
One of the most obvious signs that you need to replace your boiler is when rust appears. This can be caused by a number of different things, such as broken valves or leaks, but it is often due to corrosion. Corrosion can also be caused by a reaction between the heat exchanger and burners. However, regular annual maintenance from professionals can help to prevent this from happening.
Costs of Boiler Upkeep Continue Rising
Most homes in the United States use gas as their primary source of heating, making it a huge industry. The manufacture, sale and installation of boilers is an extremely competitive market because no two home owners are alike when it comes to their needs and demands. Like other high-tech components, boilers require regular maintenance and repairs to keep them running effectively over time. It’s not unusual for you to spend money keeping your boiler operational. However, if the cost of keeping your boiler operating continuously rises every year, you may want to consider replacing it. At some point, simply replacing the boiler with new equipment is a better investment than continuing to pay for repairs on the old boiler.
Reduced Heating Efficiency
Similar to everything else, if you take care of your boiler, it will last longer. Even though an old boiler may still fulfill its purpose, over time it becomes less efficient. If you notice that your boiler is using more fuel than before, this might be a sign that you need to upgrade to a newer model. With new advances in technology, today’s models are much more energy-efficient than older versions and can help save on energy consumption and costs.
Boiler Making Noises
Boilers usually make some noise, but if it’s a loud banging or clanging, that’s not good. These types of noises may mean it’s time to replace your boiler because they could be caused by pressure issues, leaks, or blockages. You should at least have a professional come and take a look.
If your boiler is leaking, it’s time to contact an experienced professional. In most cases, leaks are a sign that your boiler isn’t operating efficiently. A leak could also be an indication that serious trouble is on the way. As a result, if you notice a leak or water pooling around your boiler, it’s important to contact an expert at Greenwood Plumbing & Heating right away.
If your boiler has worn down with age, it becomes more likely to develop leaks at connection points and valves. If your boiler is leaking or needs additional make-up water, it may be an indication that it’s not going to last much longer.
Facility Not A Comfortable Temperature
When certain rooms in your facility are too cold, too hot, or have inconsistent temperatures throughout the day, it’s an indication that your boiler should be replaced. If this sounds like your business, there’s a good chance the boiler and/or its controls aren’t working. It might also mean that the facility would benefit from improved boiler management.
Contact Greenwood Plumbing & Heating to Know When to Replace Your Boiler
Even if your boiler isn’t failing immediately, upgrading to a more efficient model may provide several advantages. Most significantly, you can influence the conversation and plan the transition, which is far preferable than dealing with an all-out emergency in the middle of winter. | https://greenwoodplumbingandheating.com/plumbing-for-summer-2-2/ | 801 |
It is remarkable how so many managers consider policies as their go-to tool for organizational change. Bring them an organizational problem and they immediately start drafting a new policy to address it. It is as if, once a policy is written, the problem is solved and it is time to go on to the next challenge. In many cases little effort is made to inform employees of the policy, and little effort is made to be sure it is followed. At most an email is sent out informing everyone about the new policy, but there is no follow-up to be sure the message was received. Last year I wrote that policies are insufficient for changing culture. It is not that they are unimportant, but rather they are not given the attention they need. Making the most of organizational policies takes more than just sticking them in a manual or posting online.
The Limitations of Policies
Policies themselves are just words–a pile of pixels. They have no impact until they are distributed, explained, discussed, and enforced. Modern organizations have hundreds of policies. I checked my university employer, and there is an online index containing 276 separate policies involving administrative (e.g., selecting vendors), faculty (e.g., handling grievances), and students (e.g., academic integrity including plagiarism). Often policies are violated simply because people are unaware of them, and often no one pays attention to violations. Even if people know the policy, it is unclear that violation will have any serious consequences other than being told not to violate them again. In order for a policy to have impact, people have to know and understand it, and they have to internalize the value that it represents. Coercing compliance is one approach, but it requires continual monitoring that consumes too many resources to be practical. To be effective, everyone needs to understand the importance of policies, and be convinced that it is in everyone’s best interest to follow them.
Making the Most of Organizational Policies
Making the most of organizational policies involves two things. First, there are characteristics of the policy itself. What does it say and is it understandable? Second, there is the implementation. How will you be sure employees understand policies, how will they be encouraged to follow them, and what is the plan for making sure they are followed?
An effective policy begins with the words. Is it clear and does it speak to the people who need to follow it. A well written policy has the following elements.
- The writing is clear and unambiguous. Employees should understand what is and what is not allowed under the policy. Guidelines should be as concrete as possible. Sometimes there is a temptation to leave enough ambiguity to allow managers wiggle room, but this also allows employees latitude to violate policy and make a case that they were within policy guidelines.
- The policy should reflect an important organizational value. To a university, research integrity is a fundamental value that is reflected in a research integrity policy. At my university it is 22 pages long because it is important.
- There should be a clear objective. Employees need to understand the why of the policy so they do not believe that it is arbitrary, and therefore, unimportant.
- The policy needs to be fair to everyone. Unless there is a clear reason to the contrary, policies should apply to everyone. At a university, administrators, faculty, and students play by the same rules when it comes to research integrity issues like plagiarism.
- Policies are reasonable. Employees need to feel that policies are reasonable, otherwise they will not be motivated to follow them. We have seen this with resistance to companies requiring employee physical face time. Many employees who like working virtually do not feel that it is reasonable to ask them to come to the office. Transparency about the reason for the policy can help, but of course there will always be some employees who just do not want to comply.
Once the policy is written, the job is only half done. The more difficult step of educating and motivating employees needs to be taken.
- The first step is to distribute the policy and educate employees about what it says. In my experience, this usually is limited to an email with a copy of the new policy. This approach is rarely effective by itself. Half the employees won’t read the email, and most of those who do will either not understand it, not agree with it, or ignore it. A better approach is to use multiple approaches: email, meeting discussions, videos, and even physical documents mailed to everyone.
- Take an educational approach. If the policy deals with something critical, a training program is a good way to implement it. This can be face-to-face or virtual, conducted on work time.
- Involve direct supervisors. Often supervisors are the first ones introduced to a new policy. If they are the first ones trained, they can help implement. One technique is to let the supervisors train their direct reports in the new policy.
- Someone needs to pay attention. If a policy is important enough to spend resources writing and distributing, someone should be monitoring if it is being followed. It can take time for everyone to get on board with new policy, so it is a good idea to track progress over time.
- Violations need to be dealt with. The violation procedure should be thought out so it is fair and reasonable, that is, the punishment should fit the crime. There is no one-size fits all approach to policy violation because not all polices are equally important. Some violations might warrant termination because of the seriousness, for example, they might involve illegal or unethical acts. Others might be most reasonably handled with the progressive discipline approach. A first violation is a friendly but firm corrective discussion. Continued violations get increasingly harsh action.
Policies are necessary tools for organizations to create order because they define expectations for behavior. If we take them seriously, we need to be careful in how they are written and in how they are implemented to have maximum impact.
Photo by Pixabay from Pexels
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Fire Sprinkler Installer Insurance In California
Number of Contractors in California: California's large and varied construction needs to support an immense workforce of contractors. While exact numbers fluctuate annually, as of 2021 the California Contractors State License Board had issued licenses to over 290,000 active contractors; this number includes general building contractors as well as specialist service providers such as fire sprinkler installers.
Income of Fire Sprinkler Installers in California: Fire sprinkler installers' earnings vary based on factors like experience, location and project scale; as of 2021 the median annual pay was from $40k-70k annually with those possessing specialist skills or taking on supervisory roles earning at the higher end.
California, with its expansive and dense population and fire safety being of paramount concern, presents fire sprinkler installers as indispensable members of society. Because their profession entails both risks and responsibilities - from installation errors to workplace accidents - insurance protection provides not only financial relief but also reinforces professional commitment. Property owners and developers gain peace of mind knowing they've placed their fire safety needs in expert, insured hands.
Fire Sprinkler Installer Insurance In Texas
Number of Contractors in Texas: Texas is well known for its sprawling landscapes and bustling cities, which has given rise to an expansive construction industry to match. While exact figures on contractor numbers can change year to year, Texas consistently ranks among states with the highest concentration of construction workers - as of 2021 figures there were over 800k such workers employed there, including general contractors as well as tradespeople such as fire sprinkler installers.
Average Income for Fire Sprinkler Installers in Texas: Fire sprinkler installer compensation in Texas can vary significantly, depending on experience, geographical location, and the nature of their projects. On average, a Texas fire sprinkler installer could expect an annual salary between $35,000 to $65,000 as an installer; those serving in supervisory roles or with greater project complexity might see increased salaries depending on project complexity and size.
Texas, which continues to experience major urban and suburban expansion, requires professional fire sprinkler installers in order to remain safe. Fire Sprinkler Installer Insurance in Texas is of utmost importance given their profession's inherent responsibilities and potential obstacles, from proper installation to understanding complex technical systems. Professional liability insurance offers professionals protection from unexpected liabilities related to accidents, errors or incidents that could arise during installations and service work. Installers benefit from having this insurance as it strengthens their credibility in the industry while for property owners and developers in Texas utilizing insured fire sprinkler installers ensures commitment to top-tier service and safety - an essential consideration in building or renovating buildings.
Fire Sprinkler Installer Insurance In Florida
Number of Contractors in Florida: Due to Florida's dynamic growth and an environment that draws residents and tourists alike, its construction industry experiences constant demand. Reflecting this activity, Florida boasts an active construction industry with numerous licensed contractors registered by its Department of Business and Professional Regulation by 2021 - from general building work all the way down to niche services like fire sprinkler installation.
Average Salary of Fire Sprinkler Installers in Florida: Fire sprinkler installer earnings in Florida vary based on several factors, including experience, region of operation and type of projects handled. According to 2021 data available in Florida, annual salary estimates range between $35,000 and $60,000. More experienced installers or those holding managerial roles could earn higher compensation.
Florida fire sprinkler installers take on an especially vital role, given its dense urban areas and need for safety measures in various residential and commercial properties. Given their many responsibilities - from overseeing system installations accurately to meeting safety standards - Fire Sprinkler Installer insurance in Florida should not be taken for granted. Insurance protects these specialists against potential liabilities that could arise during installation, system failures, or on-site accidents. Furthermore, being insured enhances their professional standing with clients and developers, giving peace of mind about quality work being completed on new constructions or renovation projects in Florida. Insuring fire sprinkler installers provides assurance for quality, safety and long-term peace of mind investment decisions in Florida.
Fire Sprinkler Installer Insurance In Arizona
Arizona Contractors: With its vast desert landscapes and rapidly developing metropolitan areas, Arizona boasts a robust construction sector. Population growth and urban development drive demand for construction services of all kinds; up until 2021, Arizona's Registrar of Contractors had issued licenses to tens of thousands of contractors specializing in general construction or trade specific work (fire sprinkler installers included) across its state boundaries.
Average Income for Fire Sprinkler Installers in Arizona: Fire sprinkler installers' pay in Arizona is determined by factors like experience, location within the state they operate in and scale of projects they manage. According to 2021 figures, Arizona fire sprinkler installers typically earn an annual average salary between $36,000 and $62,000 with those taking on larger or more complex projects likely earning on either end of this range earning even higher annual salaries.
Fire sprinkler installers in Arizona are an indispensable service, given its expanding urban centers and ongoing need to prioritize safety in both homes and commercial properties. Due to their delicate work and its inherent risks - from installation complexities and unexpected on-site challenges - Fire Sprinkler Installers in Arizona cannot stress enough the importance of Fire Sprinkler Installer insurance policies. Insurance policies protect professional fire sprinkler installers against potential liabilities and unexpected incidents, providing both personal and professional protection, as well as increasing credibility and trustworthiness within the market. Property developers, building owners, and residents in Arizona choosing insured fire sprinkler installers is an advisable decision that demonstrates commitment to quality work while meeting all safety standards and providing long-term reliability services.
Fire Sprinkler Installer Insurance In New York
Number of Contractors in New York: New York is an architectural oasis, filled with majestic buildings from old and new, that continually demands contractors for renovation projects and building work. While their exact number can differ depending on factors like licensing regulations and annual data releases, as of 2021 data New York State's Department of State had granted licenses to a significant amount of general and specialized trade contractors including fire sprinkler installation services.
Average Income for Fire Sprinkler Installers in New York: Fire sprinkler installers can expect their earnings to vary widely, depending on experience, location (with those working in urban areas typically earning more), project complexity and 2021 data. According to this estimate, annual salaries generally range between $40,000 and $75,000. Those with extensive experience or those undertaking major commercial projects in urban centers might fall closer to the higher end of this spectrum.
New York, with its skyscrapers, historic landmarks, and residential communities, is an environment in which fire sprinkler installers play an invaluable role. Given the nature and complexity of their work and potential risks from installing accurate systems to accommodating individual building designs. Fire Sprinkler Installer Insurance in New York must be secured as part of any viable business strategy. Professional Liability Insurance gives these professionals comprehensive protection against various liabilities and mishaps, and serves as a visible marker of an installer's commitment to maintaining high standards of safety and quality in an increasingly competitive market like New York. Property managers, developers, and individual homeowners entrusting their fire safety to an insured installer will not only have peace of mind but will demonstrate shared commitment towards safeguarding lives and property.
Fire Sprinkler Installer Insurance In Oregon
Oregon Contractors: Oregon's unique blend of urban centers and natural landscapes generates an insatiable need for construction and maintenance services, necessitating a skilled labor force for growth in population and infrastructure development. According to data up until 2021, the Oregon Construction Contractors Board had licensed and registered an impressive amount of contractors, from general building to renovations to niche fields like fire sprinkler installation.
Average Income of Fire Sprinkler Installers in Oregon: Oregon fire sprinkler installers can expect their earnings to vary based on factors like experience, the specific regions they work in and nature of projects they undertake. As of 2021 figures, their annual salary typically ranges between $38,000 to $65,000 with more experienced individuals or those engaged in large-scale or specialized projects earning at the higher end.
Fire sprinkler installers play an undeniably essential role in Oregon, where safety regulations and community welfare are of primary concern. Fire Sprinkler installers play an invaluable role in Oregon, from meeting building code compliance to maintaining functional fire safety systems, so Oregon Fire Sprinkler Installer Insurance cannot be overstated. Such insurance provides essential protection to professionals against unexpected liabilities and challenges in their work, while simultaneously reinforcing their professional image as trustworthy experts in the field. For Oregon developers, business owners, and homeowners looking for protection for long-term asset security in Oregon selecting an insured fire sprinkler installer is not only smart--it also shows their commitment to safety, quality service delivery, and long-term asset protection.
Fire Sprinkler Installer Insurance In Washington
Washington state, home to bustling cities such as Seattle as well as expansive rural regions, boasts a strong demand for construction-related services. Development in urban centers as well as ongoing upgrades have created an enormous pool of contractors across Washington state; according to data provided by Washington State Department of Labor & Industries for 2021 there were over 10,000 licensed or registered contractors statewide which included general contractors as well as specialist trades such as fire sprinkler installation services.
Average Income of Fire Sprinkler Installers in Washington: Compensation for fire sprinkler installers can depend upon several factors in Washington. Experience, geographical location (urban areas often command higher wages), project complexity and duration can all play a factor. According to 2021 data, Washington fire sprinkler installers typically earn between $40k-70k annually on average; those possessing advanced expertise or working on large commercial or high-rise projects - particularly urban core ones - tend to earn even higher average annual salaries.
The Pacific Northwest stands out as an area characterized by an eclectic combination of old wooden structures and more modern architecture, making fire sprinkler installers in Washington incredibly valuable. Fire Sprinkler Installers in Washington require extensive and costly insurance protection due to the complexity and risks involved with their job duties, and precision required in their work in ensuring safety. Fire protection insurance provides these specialists with protection from potential liabilities or unforseen incidents occurring on the jobsite. Additionally, in an advanced and safety-conscious state like Washington, having fire sprinkler installer insurance not only protects them but also raises their professional status. By selecting an insured fire sprinkler installer you are supporting professionals who uphold the highest standards of safety, integrity, and quality - which resonates with Washingtonians values and beliefs.
Fire Sprinkler Installer Insurance In Colorado
Number of Contractors in Colorado: Colorado is home to vibrant urban regions like Denver as well as vast mountain terrains, creating a steady demand for various construction activities. Due to a rapidly increasing population and infrastructural development, skilled contractors were in constant need in 2021 according to data provided by Colorado Department of Regulatory Agencies' Division of Professions and Occupations; through which dozens of licensed contractors - from general building tasks such as floor installation or fire sprinkler installation services have been licensed across all categories ranging from general building tasks through licensees licensees!
Average Income of Fire Sprinkler Installers in Colorado: Fire sprinkler installer earnings in Colorado can depend upon factors like their years of experience, the locations in which they operate and the scale of projects they manage. According to 2021 figures, annual salary estimates ranged between $39,000 and $67,000 with more experienced professionals or those involved with large complex projects in urbanized zones likely earning more.
Colorado's diverse architecture requires effective fire suppression systems that meet its modern urban buildings as well as older, rustic structures. Fire sprinkler installers play a pivotal role in providing fire safety. Due to their varied responsibilities--from overseeing flawless installations to meeting building type challenges--Fire Sprinkler Installers in Colorado must consider purchasing Fire Sprinkler Installer insurance as a matter of necessity. Installation contractors need protection against unexpected liabilities and on-the-job risks in an ever-evolving market like Colorado, which makes being insured not just personal insurance - it shows their commitment to excellence and safety! Developers, business owners and homeowners who work with an insured fire sprinkler installer enjoy greater peace of mind knowing that working together contributes to maintaining excellent safety standards while protecting Colorado's built environment.
Fire Sprinkler Installer Insurance In North Carolina
North Carolina, known for its rapid development and diversity in both urban centers such as Charlotte and Raleigh as well as rural regions, is experiencing an overwhelming demand for construction services. Tech hubs, research parks and expansive residential developments create an urgent demand for skilled contractors; such that North Carolina Licensing Board for General Contractors licensed a large number of them by 2021! Their specialties ranged from general building work to more specialized needs like fire sprinkler installation!
Average Income Levels for Fire Sprinkler Installers in North Carolina: Income levels for fire sprinkler installers in North Carolina can differ significantly based on factors like experience, work location and project complexity. According to 2021 statistics, annual salaries range between $37,000-$64,000 for these positions; those possessing advanced skills or working on larger commercial projects in rapidly expanding urban areas tend to earn higher payscales.
Fire Sprinkler Installer Insurance In Illinois
Illinois boasts an active construction industry. Chicago and its surrounding towns and rural areas all contribute to this vibrant scene; architectural marvels in Chicago as well as development in other areas require numerous contractors - thousands were licensed with the Illinois Department of Financial and Professional Regulation in 2021 alone! From general builders to specialists such as fire sprinkler installation.
Average Income for Fire Sprinkler Installers in Illinois: The salaries of fire sprinkler installers in Illinois depend upon factors like experience, location and project complexity. According to 2021 statistics for Illinois, their annual median annual pay range was between $42,000-$70K with those living in urban areas like Chicago earning higher average annual salaries of between $50k-70k annually.
Fire sprinkler installers play an essential role in Illinois' dynamic construction landscape, from Chicago's Skyline to residential and commercial properties throughout the state. Their work protects lives and assets alike - which makes their expertise all the more vital. Fire Sprinkler Installer Insurance in Illinois is essential for professionals aware of all the risks inherent to their important job, offering peace of mind by protecting against unanticipated liabilities while simultaneously showing their dedication to professional standards and quality services. It makes sense to partner with insured installers in Illinois to demonstrate quality, safety and accountability commitment!
Fire Sprinkler Installer Insurance In Maryland
Maryland Contractors: Maryland stands out as an active market for construction service providers due to its prime location between major urban centers like Washington D.C. and Baltimore. Due to a mix of urban, suburban, and rural zones in Maryland - each requiring different kinds of building work - construction services are in high demand in this state. According to data released from 2021 from Maryland's Department of Labor there are numerous licensed contractors ranging from general practitioners such as general construction practitioners all the way down to niche specialists like fire sprinkler installers based in this state!
Average Income of Fire Sprinkler Installers in Maryland: When it comes to calculating average annual salaries of fire sprinkler installers in Maryland, several factors come into play; including experience, project type and specific location in the state. As reported by 2021 figures, their typical annual salaries usually fall within $43,000-73,000 with professionals working densely populated regions or having greater experience earning at higher ends of this range.
Fire sprinkler installers play an essential part in protecting Maryland's wide array of terrains - from Chesapeake Bay shores to Baltimore - by equipping various buildings with fire suppression systems that protect occupants against fires. Given the complexity and responsibility associated with their jobs, Fire Sprinkler Installer insurance in Maryland becomes essential. Not only will it offer them financial security but it will also offer protection from unexpected incidents during installations. Insurance not only has financial perks for installers, but it can also enhance their standing within their field - for Marylanders in particular, choosing an insured fire sprinkler installer sends a strong signal of top quality services and safety - something which embodies Maryland's dedication to marrying modernity with history in architectural projects.
📺 Watch the video | https://www.businessinsuranceusa.com/fire-sprinkler-contractor-insurance | 3,373 |
Reliable field documentation enriches property claims data – making claims handling and estimating easier for everyone.
Bridging the information gap between restoration contractors and insurance carriers.
Documentation captured with the Encircle app can be shared effortlessly to Verisk XactAnalysis and Xactimate.
Automatic sketch generation in Xactimate
Floor Plan is the fastest and easiest digital sketching solution. By integrating with Xactimate, go from job site to estimate creation in under 6 hours without ever lifting a pencil.
Fast. Scan a property in 5 minutes.
Easy. All you need is a smartphone.
Accurate. Automatic room dimensions.
Integrated. Import into Xactimate for instant sketches.
Share photos, notes, and documents direct to XactAnalysis
Restoration contractors can receive assignments from XactAnalysis into Encircle and with the click of a button, share documentation such as photos, notes, and documents right back to XactAnalysis. Closing the loop on claims communication and keeping everyone on the same page.
When everyone has access to fast and reliable data from the field, everyone’s job becomes easier.
With Encircle + Verisk:
- Confidence in policy coverage decisions
- More accurate reserve amounts
- Faster claim cycle times
- Redundant software in the claims cycle
- Manual and error-prone data entry
- Time-consuming photo upload | https://www.getencircle.com/verisk | 291 |
How can insurance prepare you for the uncertainties of everyday life? Imagine a safety net that safeguards your hard-earned assets, supports your loved ones in times of crisis, and allows you to face the future with confidence. That’s the power of insurance.” Insurance helps individuals, businesses, and society as a whole manage risk, protect against losses, and maintain stability and financial well-being. It provides a crucial safety net in an unpredictable world and allows people to navigate uncertainties with greater confidence. Here at Priority Risk Management, we offer personal and business insurance.
What would happen if a customer sued your business? Business insurance protects a company’s assets, provides liability coverage, ensures business continuity in the face of disruptions, protects employees, guards against professional errors and negligence, satisfies legal and contractual obligations, and enhances the business’s reputation and relationships with clients and partners. Learn how business insurance can provide protection against liability claims and potentially save your company from financial ruin.
6 Reasons Why Business Insurance is Important:
- Liability Coverage: Business insurance includes liability coverage, which protects against claims and lawsuits filed by third parties for injuries, property damage, or other losses caused by the business’s operations, products, or services. Liability claims can be costly and have the potential to bankrupt a business. Insurance coverage helps mitigate these risks and provides financial support for legal defense, settlements, or judgments.
- Legal Defense: Business insurance helps cover the costs of legal representation if your company faces a liability lawsuit. Legal fees and court expenses can quickly accumulate, but with insurance, you have the financial support to hire experienced attorneys and mount a robust defense.
- Settlement Payments and Judgments: If your business is found liable for damages or injuries caused to others, insurance can help cover the settlement payments or court-ordered judgments. These financial obligations can be substantial and have a significant impact on your business’s financial stability. Insurance provides the necessary funds to fulfill these obligations and protect your company’s assets.
- Reputation Protection: Liability claims can tarnish your company’s reputation, leading to loss of customer trust and future business opportunities. Business insurance often includes coverage for reputation management and public relations expenses, helping you mitigate the damage and restore your brand’s image.
- Professional Liability Coverage: For businesses that provide professional services, such as consultants, architects, or lawyers, professional liability insurance (also known as errors and omissions insurance) protects against claims of negligence, errors, or omissions in the services provided. This coverage is crucial in industries where clients rely on your expertise, as a single mistake could result in significant financial losses for your clients and, subsequently, your business.
- Product Liability Coverage: If your business manufactures or sells products, product liability insurance is essential. It safeguards your business against claims arising from defective products that cause harm or property damage. This coverage provides financial protection against legal costs, settlements, or judgments related to product liability claims.
Business insurance is an essential investment for any organization, regardless of its size or industry. It provides protection against a wide range of risks, including property damage, liability claims, employee injuries, and financial losses. By having appropriate business insurance coverage, companies can mitigate potential setbacks, safeguard their assets, and maintain continuity in the face of unexpected events. | https://www.priorityrisk.com/is-your-business-prepared-for-the-unexpected/ | 677 |
At Tsurance Insurance Agency, we understand that your car is more than just a mode of transportation. It's a significant investment that deserves protection. That's why we offer comprehensive auto insurance coverage to ensure that you and your vehicle are well-protected against any unforeseen events. Our client-focused approach means that we work with you to understand your unique needs and provide tailored coverage options that fit your budget and lifestyle.
Auto insurance is not only mandatory but also an important investment that protects you and others from the financial consequences of accidents. Just like how you put on a seatbelt to protect yourself while driving, having auto insurance is a precautionary measure that safeguards you from unexpected and potentially costly situations. It's not just about following the law; it's also about being a responsible driver and protecting yourself, your passengers, and other drivers on the road. With auto insurance, you can have peace of mind knowing that you're covered if an accident occurs, and you won't be left with crippling expenses.
We believe that choosing the right insurance policy should be hassle-free, transparent, and personalized to your needs. At Tsurance Insurance Agency, we pride ourselves on building long-lasting relationships with our clients, providing exceptional customer service, and offering affordable, comprehensive auto insurance coverage. Here are some reasons why you should choose us for your auto insurance needs:
Personalized Coverage Options: We understand that every driver and every vehicle is unique, which is why we offer personalized coverage options tailored to your specific requirements. We'll work with you to understand your driving habits, lifestyle, and budget, and provide you with a policy that fits your needs.
Expert Guidance: Choosing the right auto insurance policy can be overwhelming, with so many coverage options and insurance providers to choose from. Our team of experienced insurance professionals is here to guide you through the process, answer your questions, and help you make an informed decision.
Affordable Rates: We offer competitive rates and flexible payment options to help you find an auto insurance policy that fits your budget. Our goal is to provide you with the coverage you need at a price you can afford.
What is auto insurance?Auto insurance is a contract between you and your insurance provider that provides financial protection in the event of an accident, theft, or other covered events. It covers the costs of repairing or replacing your vehicle, as well as any damage or injuries caused to other people or their property.
What types of auto insurance coverage are available?There are several types of auto insurance coverage available, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Liability coverage is mandatory in most states and covers the costs of damage or injuries you cause to others in an accident. Collision coverage covers the cost of repairing or replacing your vehicle after a collision. Comprehensive coverage protects your vehicle against damage caused by other events, such as theft or natural disasters. Personal injury protection covers medical expenses and lost wages for you and your passengers in the event of an accident. Uninsured/underinsured motorist coverage provides protection if you're involved in an accident with a driver who doesn't have sufficient insurance coverage.
What factors affect my auto insurance rates?Your auto insurance rates are determined by several factors, including your driving history, age, gender, location, type of vehicle, and credit score. Drivers with a clean driving history and good credit score typically pay lower insurance rates than those with a poor driving record or credit score.
Do I need auto insurance?Yes, auto insurance is mandatory in most states. Even if it's not required in your state, it's still a good idea to have coverage to protect your vehicle and your finances in the event of an accident. | https://www.tsurance.com/auto-insurance | 752 |
Is not it amusing how many cliches can be connected with insurance policy? I assume when a few of sayings and anecdotes were being invented the inventors experienced the phrase insurance in thoughts!
Have a seem at a couple of the adhering to sayings and tell me if you agree…
Almost nothing is specified, but demise and taxes. This can be altered to – almost nothing is particular, but death and coverage. No issue who we are, what we do, how significantly funds we have or which car we drive… we need insurance!
All is honest in enjoy and war. The moment once again, this can be modified to “all is reasonable in really like and insurance coverage.” Never you concur that we are at the mercy of insurance coverage organizations? What they say is regulation and we have to just indication on the dotted line and take the reality that we are paying out tons of revenue every thirty day period on a little something that we do not really want. Do not settle for the initially estimate that you are presented. Store close to till you find a plan that you are totally glad with. Do not make it possible for any broker, agent or insurance policy corporation to power you into having a plan that you are not pleased with.
He has been taken for a ride – he has been taken for an insurance policy ride! It can be unlucky to listen to how a lot of insurance firms get their clientele and clients for a experience. This is generally by means of not wanting to shell out out a declare, raising rates considerably, or other issues that we have no command about. Normally go through the fine print prior to signing any insurance doc. By possessing a great comprehension of what your insurance coverage coverage entails, a whole lot of this can be prevented.
A chain is only as robust as its weakest hyperlink – An insurance plan firm is only as potent as its weakest link. When wanting to receive insurance plan, make sure that you chat to an agent or a broker who appreciates what they are performing! The worst thing in the environment is working with an coverage reseller who has only just one factor on the head and that is to fulfill their month to month profits targets. Insurance policy is a extremely vital investment decision as a result it is essential that a experienced professional usually takes treatment of your requirements and necessities.
A good beginning helps make a excellent ending. Transform this to “a good insurance policies firm would make a great ending” and you will be one particular of the many individuals who are contented with the services obtained from their insurance plan firms. If a firm presents remarkable support and handles queries and statements very easily, even a theft or an incident can have a excellent ending.
Immediately after a storm will come a calm. If you can alter this stating to “immediately after an insurance claim, comes a relaxed” – congratulations! That means that you have just lately set in a declare and that it was managed successfully, enabling you to unwind just after all the things has been taken treatment of.
I hope you have loved this tongue in the cheek glance at insurance policy sayings – it could possibly be a little bit of useless information, but ideally it managed to place a smile on your dial! | https://bestauto.my.id/cliches-associated-with-insurance.html | 664 |
PCI DSS requires you to regularly understand and review the risks that are applicable to your environment. There area number of different ways that you can understand and document your risks, including OCTAVE, ISO 27005, and NIST SP 800-30. This article explains one way that you can approach understanding and documenting your risks, but you should make sure that the method you use fits your organisation and is useful.
Risk assessments may need to be carried out at different levels because a business risk assessment is likely to be very different from a technical risk assessment. PCI risks cover both organisational and technical risks.
When Do You Have to Do A Risk Assessment?
Requirement 12.2 requires that you complete a risk assessment :
- At least annually, and
- Upon significant changes to the environment (for example, acquisition, merger, relocation, etc.)
Other examples of significant changes that might require a risk assessment could include significant changes to your architecture (for example, migrating to the cloud) or adding new payment channels.
Risk assessments are just one part of significant changes.
How Do You Perform a Risk Assessment?
Step 1: Define Your Process
Our example here uses a modified approach based on NIST SP 800-30. You might have a different process. This is just one example of how you might conduct a risk assessment and the steps you might follow. Remember, whatever process you follow, you need to have the process and the outcome documented for your organisation.
- Identify and document your critical assets, including people, technology and data.
- Identify and document threat sources, including both internal and external threats.
- Identify and document the vulnerabilities in your environment related to the people, processes, technology, and data.
- Determine and document the likelihood of the event occurring. This could be based on the frequency of the event occurring or based on the likelihood of it occurring during a set timeframe.
- Determine and document the impact if the risk occurs. This could be the financial impact, the impact to compliance, or another impact that applies to your organisational goals.
- Determine and document the controls that apply to each of the risks and how they can mitigate the risk.
- Determine and document the resulting residual risk after the controls have been applied.
- Assign the risk owners.
Step 2: Conduct the Risk Assessment
If you feel like you’re at a loss for how to start your risk assessment, NIST SP 800-30 provides a great starting point in Appendices D through I for risks that should be considered. Do you have to consider all of the? Absolutely not! You should be focusing on the threats and vulnerabilities that apply to your environment and the risks that your organisation actually faces. Follow your process and start documenting the risks that apply to your business.
There are a few specific risks that we would recommend considering as part of your risk assessment.
Risk of Non-Compliance
It seems obvious that there is a business risk if you are unable to demonstrate compliance with PCI DSS. In most cases, you have a contractual obligation to your bank to be PCI compliant. The result of non-compliance could include revoking your ability to process card transactions, extended remediation times and costs, and even fines imposed by the card brands. But understanding the results of non-compliance does not help address the root cause. Non-compliance could be caused by a lot of different things, including staff turnover, hardware or software going end of life or becoming non-supported, or missing standard BAU processes required by PCI, the non-compliance of service providers. While it’s useful to understand the result of non-compliance, addressing the potential causes is vital.
Logging and Monitoring
As part of the logging and monitoring requirements, you need to be considering how often you review logs that are not part of your daily log review. While some logs have to be reviewed daily, other logs can be reviewed less frequently. But these logs and the frequency of the reviews need to be considered as part of your risk assessment.
Other Areas to Consider
Other areas to consider for your PCI risk assessment might also include:
- Review of cryptographic algorithms and ciphers used to protect cardholder data to ensure they are considered strong.
- Review of insecure services and protocols used in the cardholder data environment.
- How frequently to conduct device inspections for card-present / retail staff.
Step 3: Assign Risk Owners
If nobody is responsible for managing your risks, you add a new risk that nothing will happen to address them. To manage risk effectively, someone needs to take responsibility for each. Not every risk can be mitigated, but every risk needs to have an owner.
Step 4: Track Your Risk Over Time
If you want to effectively understand how your risks are changing and how effective you are at managing your risks, you need to track your risks over time. This gives you a better understanding of what risks are increasing and which are decreasing and helps allocate your resources better. For example, you might have a very low risk of systems being unsupported right after you purchase them, but the risk of them being unsupported increases over time.
Need Help with Your Risk Assessment?
If you need help conducting your risk assessment or need an independent view on what your risks might be, contact us and find out how Confide can help. | https://confide.co.nz/2020/03/11/whats-my-risk/ | 1,108 |
By Robin Manougian, Vice President – JMI, a JGS subsidiary
Named storms aside, seasonal storms can pack a wallop that can lead to not only damaged property but also discord among friends and neighbors if the handling of downed trees is not understood or done properly. This past summer’s storms resulted in a fair amount of damage in a number of areas across the country, and so it should come as no surprise that agents and carriers were besieged with calls about downed trees. But the financial question of whose responsibility it is to insure the losses and clean up the debris from uprooted trees and limbs is always a hot, if not perplexing, topic.
The old saying goes, “If a tree falls in a forest and no one is around to hear it, does it make a sound?” It does. And the ruckus it causes is more than audible when the tree falls onto someone’s property, though bickering and a litany of frustrated questions are more likely the sound you’ll hear.
First, the easy claim: if a tree falls onto covered owned property (a home, a building, a fence, etc.), the policy will pay to repair or replace the damaged property (less the policy’s property damage deductible) as well as “your reasonable costs” to remove the tree, though insureds are encouraged to check with their agents for individual policy language limitations on debris removal.
The debris left behind by trees that simply fall on the ground without damaging covered property is typically considered a maintenance issue and not an insurance loss. If covered property wasn’t damaged by the fallen tree, and the tree simply falls onto the ground or is brought down by an “Act of God” such as a storm, the cost to remove the tree is the responsibility of the owner of the property.
But what about trees that fall onto someone else’s property? Home and business owners understandably cry foul when a tree on someone else’s property falls onto their own, and the inclination is to ask the tree’s owner to come clean up their tree. Unfortunately, what was once your neighbor’s tree now has become your tree—and your mess to clean up.
Certainly good neighbors may feel compelled to share in the cost of removing a tree that’s fallen, but the easy way to remember who pays after a tree falls from an “Act of God” (i.e., a tree that falls because of wind or weather-related occurrences) and not because of any problem with the tree is that the owner of the damaged property pays:
- If the tree belongs to you and falls onto your own property but didn’t damage any covered property, you pay to have the tree removed (maintenance).
- If the tree belongs to you and falls onto and damages your covered property, your insurance covers the loss, less your policy’s deductible. Insurance will also likely pay the debris removal costs, sometimes at a percentage of the loss. Check with your carrier to see how your specific policy language is written.
- If the tree belongs to you and it falls onto your neighbor’s property but does not damage covered property, the neighbor pays to have the tree removed (maintenance). You would be responsible for cleaning up any debris remaining on your own property and any stump removal.
- If the tree belongs to you and it falls onto a neighbor’s home, shed, fence, or other real property, the neighbor’s insurance policy would respond to the claim, provided the tree was not dead or dying (liability).
- If a tree falls onto a vehicle—whether your own or someone else’s—the owner of the damaged vehicle’s auto insurance policy will respond to the loss (filed under the auto policy’s comprehensive coverage).
Where live property coverage is concerned, insureds should also check their policies for the existence of coverage and the limit provided. Should a live tree be struck by lightning, for example (a covered peril), the property policy would pay for the tree subject to the policy limits for live property, but coverage may not apply for removal of the tree if covered property was not also damaged. In addition, live property is limited to named perils: fire, lightning, explosion, riot or civil commotion, and aircraft or vehicular damage. Broader policy forms may also include vandalism, malicious mischief, and theft. Wind and hail losses are excluded under most property forms.
Consider a homeowners association scenario where a tree in the common area falls onto an individual home: unless the tree was dead or dying, the homeowner would seek recovery from their homeowners policy, including the cost to remove any debris. Damage to the tree owned by the association would be covered under the association’s live property limit, provided the tree was damaged by a covered peril.
That said, there is a clear delineation of liability. In cases where a resident has advised the association of concerns that a dead or dying tree may fall on their property, it is advisable that the association have an arborist check the health of the tree and have it removed immediately, if necessary. Diseased or dead trees that fall from a common area onto adjacent private property would be a claim against the association’s liability policy and not the individual homeowner’s policy. In addition, trees that are dead or dying can also lead to bodily injury claims, another reason to make certain that owned trees are inspected regularly and any problem trees are removed promptly.
The same holds true of dead or dying trees on private property. Suppose a neighbor advises another neighbor of concerns about a tree and the tree’s owner fails to do anything about it (negligence). If the dead tree falls (or its branches fall) and damages the neighbor’s property, the tree’s owner would be liable for the neighbor’s property damage and debris removal.
While the rules on tree liability can sometimes seem to run perpendicular to common sense, it’s easiest to remember that insurance is carried to address financial loss of owned property. Unless property is damaged by someone else’s negligence, misuse, or neglect, the property owner’s policy is triggered to repair and replace the owner’s property following a loss. | https://ppp-quotes.com/if-a-tree-falls/ | 1,303 |
The cyber risks of making green energy more efficient are real and present. The potential for cyber attacks to disrupt the supply of energy, or to manipulate energy prices, is a serious concern. The good news is that there are steps that can be taken to mitigate these risks.
1. The Cyber Risks of Making Green Energy More Efficient
As we make more efficient use of our energy resources, we need to be aware of the cyber risks associated with doing so. The more efficient we are in using energy, the more attractive we become to cyber criminals.
There are a number of ways in which cyber criminals can exploit our increased efficiency in using energy. For example, they can target the control systems that manage our energy use. This could allow them to manipulate the system to their own advantage, or even to disable it completely.
They can also target the data that is collected by energy efficiency devices. This data can be used to identify patterns of energy use, and to target specific areas for attack.
Cyber criminals can also use our increased efficiency in using energy to their own benefit. For example, they can use it to help them carry out denial of service attacks. This is where they overload a system with requests, making it unavailable to legitimate users.
We need to be aware of these risks and take steps to protect ourselves from them. We also need to make sure that we are using energy efficiently, so that we can reduce our carbon footprint and help to protect the environment.
2. The Dangers of Increasing Cybersecurity for Green Energy
As we become more reliant on green energy, we also become more vulnerable to cyberattacks. Here are some of the dangers of increasing cybersecurity for green energy:
1. Hackers could target green energy infrastructure to cause blackouts.
2. They could also target individual consumers, by stealing their personal data or sabotaging their smart meters.
3. Cyberattacks could also be used to manipulate energy markets, causing prices to spike or plunge.
4. And finally, hackers could use green energy infrastructure to launch other types of attacks, such as DDoS attacks or ransomware attacks.
While these risks are serious, there are ways to mitigate them. For example, green energy providers can invest in strong cybersecurity measures, such as encryption and two-factor authentication. They can also educate their employees about cybersecurity risks and how to avoid them. And finally, they can work with law enforcement to quickly respond to any attacks.
By taking these precautions, we can make sure that green energy remains a safe and reliable source of power.
3. The Benefits of Making Green Energy More Efficient
As we strive to make our energy production more efficient, it’s important to consider the cybersecurity risks that come along with it. Making green energy more efficient often means making it more digital, and that opens up new opportunities for cyberattacks.
One of the benefits of making green energy more efficient is that it can help us conserve resources. But if our energy production is not secure, we could be wasting a lot of time, money, and energy in the long run.
A cyberattack on our energy infrastructure could have a ripple effect, causing blackouts and disruptions to our way of life. It’s important to consider the cybersecurity risks when making any changes to our energy production, and to take steps to mitigate those risks.
4. The Risks of Making Green Energy More Efficient
The Risks of Making Green Energy More Efficient
As the world increasingly turns to renewable energy sources to power our homes and businesses, it’s important to consider the potential cyber risks associated with making these energy sources more efficient.
The first risk is that hackers could target the systems that control the flow of electricity from renewable energy sources. This could cause blackouts or other disruptions in service.
Another risk is that hackers could target the sensors and meters that are used to measure the output of renewable energy sources. This could lead to inaccurate data, which could in turn lead to incorrect decisions about where to allocate resources.
Finally, hackers could target the software that is used to manage the distribution of renewable energy. This could lead to disruptions in the supply of electricity, or even to widespread outages.
While these risks may seem daunting, there are steps that can be taken to mitigate them. For example, utilities can work with cybersecurity experts to identify and fix vulnerabilities in their systems. And, as the use of renewable energy sources continues to grow, so too will the need for innovative cybersecurity solutions.
The article discusses the cyber risks of making green energy more efficient. The risks include the potential for cyberattacks that could disrupt the energy supply, damage the environment, or even result in the loss of life. The article provides recommendations for mitigating these risks, including the use of secure technology and robust security protocols. | https://velacodes.com/the-cyber-risks-of-making-green-energy-more-efficient/ | 980 |
DISABILITY INSURANCE REPLACES YOUR INCOME IF YOU CANT WORK
If you are self employed or own your business, have a family or small children you should consider protecting your income with Disability Insurance. Living Benefits provide insurance payments while still living. If you have one of these policies you will receive financial benefits if you are injured and cant work or become critically ill by replacing up to 66% of your income
If your an employee considering disability insurance talk to your employer first to understand what coverage your group plan offers and how much extra you need to top up that coverage
DISABILITY INSURANCE PROTECTS YOUR INCOME
Disability insurance replaces your income if you are injured or ill and is usually paid on a tax-free basis. Home and car insurance protect your home and car. Disability insurance protects your income. Disability insurance helps maintain your standard of living when a disabling illness or injury strikes. There are 4 main features of Disability Insurance:
Definition of Disability - is unable to perform the duties of your regular occupation
Elimination Period: The elimination period is the number of days you must be disabled before benefits begin. The longer you can wait to receive the check, the cheaper the premium.
Benefit Period: This is the length of time that you will be entitled to receive a monthly benefit. You can choose from 2 years, 5 year or coverage for life. It is prudent to select the longer benefits periods. Disability coverage can last for different lengths of time. If you can build an emergency savings account to last 3 to 6 months (highly advised), you should consider selecting a 90- 180 day elimination period. Plus if you are an employee, "Employment Insurance" payment periods of 17 weeks will be blended into the waiting period.
Monthly Benefit: This is the monthly amount of income that you will receive from your insurer which is usually between 66 % and 75% of your monthly income.
Own Occupation: Own occupation is defined as a your regular occupation when total disability starts. Most policies use the Total Disability definition: "unable to perform the duties of your regular occupation" and have the "not Working in any other occupation" clause removed. This more liberal definition of Total Disability facilitates working in another occupation while on a total disability claim. Many professionals, particularly those whose ability to work is highly dependent on their motor skills (i.e. Surgeon — use of hands), find the enhanced coverage provided by the Own Occupation Rider to be an integral part of their disability income needs
What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):
Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Disability policies have two different protection features that are important to understand.
Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits
Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you
SEVERAL OPTIONS YOU CAN ADD TO YOUR POLICY:
Additional purchase options: Your insurance company gives you the right to buy additional insurance at a later time for an additional cost
Coordination of benefits: The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies. Will be combined with government disability benefits
Cost of living adjustment (COLA): The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA
Residual or partial disability rider: This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled
Return of premium: This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy
Waiver of premium provision: This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days
Title Living Benefits - Disability Insurance
Description protect and replace your income with Disability Insurance if you cant work
Disability insurance replaces your income if you are injured or ill and cant work. Home and car insurance protect your home and car. Disability insurance protects your income. Disability insurance helps maintain your standard of living when a disabling illness or injury strikes replacing up to 66% of your income | https://www.agilefinancialservices.com/post/disability-insurance | 1,057 |
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Protecting your home means more than just installing a security system, investing in a smart lock or making the dwelling weather-resistant. It also means buying homeowners insurance.
Regardless of how many security features your home has, you cannot prevent every instance of damage or loss that might arise. Your home insurance plan can be there to help you in such circumstances. Because all homes are unique, you must tailor your homeowners insurance appropriately to ensure you’re properly protected.
If you live in or around Jupiter, Florida, we can help you out. Our experienced agents at Bruening Insurance Agency will assist you in finding a home insurance policy tailored to fit your exact needs and budget restrictions. When it comes to your home, you can never be safe enough. Visit our website or call us at 800-293-0131 for a quote today.
What Does Home Insurance Cover?
Homeowners policies vary greatly, but there are typical inclusions in every policy, such as:
Dwelling insurance that pays for repairs to your home following hazards like fires, severe weather, vandalism, theft or other unexpected damage.
Other structures coverage is separate from your dwelling coverage and helps you repair or rebuild detached structures on your property, such as storage sheds, gazebos or carports.
Contents coverage insures the possessions inside your home in case of unexpected losses.
Liability insurance helps you pay if you negligently cause harm to someone who doesn’t live with you (i.e., a neighbor or guest) and they sue you for their medical bills or property damage.
Accidental medical payments insurance can cover third-party injuries on your property even if the affected person’s injuries are not your fault.
Loss of use coverage pays for living expenses when your home sustains damage and you must temporarily vacate it.
Again, these are the typical benefits of home insurance coverage. Our agents will help you evaluate potential benefits included in the policies you’re looking at.
What Policies Are Available in Florida?
A typical home insurance policy in Florida will protect you from incidents such as weather damage, vandalism, theft and fire. In the unfortunate scenario of one of the previously mentioned incidents, a standard policy will cover food and lodging costs if you need to temporarily relocate.
A standard policy will also likely cover outbuilding, which includes:
Questions or Concerns?
Your home is your safe place. At Bruening Insurance Agency, we understand this. We will help you find the perfect coverage for you and your home at a reasonable cost. Visit our website or contact us at 800-293-0131 to take the right step in protecting your home. | https://www.brueninginsurance.com/home-fort-lauderdale/default.aspx | 585 |
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