Search results “Product liability claims made basis”
Claims Occurrence Vs Claims Made
Challenge video explaining the difference between Claims Occurrence based cover and Claims Made based indemnity cover. This video is relevant for Challenge Clients.
Views: 3487 David Walsh
Claims-Made Vs Occurrence - Types of Medical Professional Liability Insurance
transcript In addition to homeowners insurance and auto insurance, medical professionals like physicians and surgeons often require medical professional liability insurance. Professional liability insurance, also referred to as medical malpractice insurance, protects them against loss resulting from acts, errors or omissions in their performance of professional duties. When purchasing medical professional liability insurance, physicians have two options-claims-made policies or occurrence insurance. Deciding between claims-made and occurrence may not always be easy, so it's crucial to consider the important points that pertain to each type of coverage to determine which will best suit your specific needs. Claims-Made Policies - Increased limit of liability - Physicians have the opportunity to increase their limit of liability, which determines how much their insurance company will pay to settle a negligence claim, and how many claims it would settle in one policy period. Considering that many doctors feel more comfortable with higher limits, an increased limit of liability can determine whether a claims-made policy is right for you. - Discounted premium - Claims-made policies offer an initial cost savings for the first four years. This is because insurance companies understand that the chance of a claim being filed during the first few years is slight, but increases over time. The premium will gradually increase each year until the coverage becomes mature at five years and the odds of a claim being reported is much greater. - Tail coverage - Since claims-made policies provide coverage only if the claim is first reported or filed during the policy period, physicians may need to purchase tail coverage to protect against claims made after the policy period ends. Medical professional liability claims often take a long time to develop, so a physician may not receive notice of the claim until years after the incident in question occurred. For instance, if a physician retires, allowing his/her insurance policy to end, and a claim comes in six months later, he/she will require tail coverage to protect against the claim. - Possibility of free tail coverage - There is a chance that the physician will not have to finance the cost of tail coverage, since many medical professional liability insurance companies provide a free tail to a physician that has been insured with the same company for a specified period of time and has complied with the insurer's provisions. Many insurance companies also offer free tail coverage to retiring physicians aged 55 or older who have been insured with them on a claims-made basis for the five years proceeding retirement. Occurrence Insurance - Coverage is permanent - Occurrence insurance protects against claims resulting from incidents that occur during the policy period, regardless of whether the policy is still in effect at the time the claim is made. - Avoid purchasing tail coverage- Since occurrence coverage is permanent, physicians can avoid the cost of tail coverage. Financing tail coverage can be quite expensive, costing up to 200% of the premium depending on the insurance company, so avoiding the cost of a tail may determine whether occurrence insurance is right for you. - The insurance company's financial stability must be secure - Considering that occurrence insurance is permanent, it's necessary to have complete confidence in your insurance company's finances. Medical professional liability insurance claims can take years to develop after an incident occurs, it's important to feel secure that your insurance company will still be in the position to protect you years after purchasing occurrence insurance. - Limit of liability remains unchanged - Unlike claims-made policies, the limit of liability at the time of purchase is the limit you will have when a claim is made, which is typically 3 to 5 years after the incident occurs. There are many important points to consider when deciding between claims-made policies and occurrence coverage. Contacting a trusted professional liability insurance agent is the best place to start.
Episode 1.2: An Overview of Tort Law – Intentional Torts, Negligence, and Strict Liability
Professor Lindsay Wiley from American University Washington College of Law opens up Torts with a brief overview of the three main types of torts. Script was written by Prof. Lindsay Wiley, narration was done by Jackie Morrison, and visuals by Aaron Dewald
How Employment Practices Liability Insurance Works
Employment Practices Liability (EPL) insurance is designed to cover employers against employee-related claims such issues as discrimination, sexual harassment, and wrongful termination. A policy is typically written either on a stand-alone basis or as an addition to an employer’s management liability policies, including Directors and Officers (D&O), Employers Liability and Errors & Omissions. A standalone policy is usually preferable to having the coverage endorsed on another policy because of the potential to exhaust the EPL limits by claims made under other coverages. What’s key in purchasing the right type of coverage and the limits sufficient enough for a specific firm is to work with an insurance professional who understands the product inside and out and the various policy forms available. There are many insurance companies that sell EPL coverage with a wide range of provisions, making this a highly specialized field where expertise is critical. For example, important provisions to examine carefully include the general insuring language in the policy and its exclusions. In general, an Employment Practices Liability policy offers broad coverage for claims typical in wrongful termination or employment discrimination cases. The policy is written on a claims-made basis with defense costs within its limits. A lawsuit, an administrative proceeding, or a written claim of discrimination, sexual harassment, or wrongful termination will trigger the coverage to respond. In addition, a policy will cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. A policy will cover directors and officers, management personnel, and employees as insureds. Policies typically exclude coverage for claims involving ERISA, WARN acts (plant closings), unemployment benefits, COBRA, breach of contract and claims related to National Labor Relations Act. EPL insurance policies do not usually cover criminal fines, civil fines, penalties or punitive damages. They also generally exclude claims for bodily injury and property damage, as there are other types of policies an employer can purchase that cover those claims. Liability for acts involving intentional wrongdoing is also generally excluded by EPLI policies. However, most policies cover claims for emotional distress or mental anguish associated with covered losses. The cost for Employment Practices Liability insurance is based on a number of factors such as the size of the company, the type of business, the number of employees, where the business is located, the number of claims and lawsuits previously filed and the length of time the company has been in business. Insurance companies may also consider other factors when deciding the cost of the premium and structuring a policy best suited for the company. Again, EPL insurance coverage varies from policy to policy, making it very important for an insured to understand the extent, length, and limitations of the coverage being purchased. At Axis Insurance Services, we specialize in providing EPL solutions for a wide range of businesses across many industry sectors. We work with a number of insurers to obtain the best policy at competitive rates for our customers. Give us a call at (877) 787-5258 to discuss how we can help you best protect your firm. http://www.errors-omissions.com/2014/08/employment-practices-liability-insurance-works/
Views: 211 Errors Omissions
What Are Aggregate Insurance Limits? : Basic Insurance Advice
Subscribe Now: http://www.youtube.com/subscription_center?add_user=ehowfinance Watch More: http://www.youtube.com/ehowfinance Aggregate insurance limits limit the amount insurance is going to pay on an annual basis. Find out about aggregate insurance limits with help from a full-time insurance professional in this free video clip. Expert: Susan Combs Filmmaker: Alexis Guerreros Series Description: Basic insurance advice often applies to more than one different type of insurance. Get basic insurance advice with help from a full-time insurance professional in this free video series.
Views: 830 ehowfinance
Executive Liability Insurance - Why Private Companies Need It
transcript Since its inception about fifty years ago, D&O insurance has evolved into a family of products responding differently to the needs of publicly traded companies, privately held businesses and not-for-profit entities and their respective board members, officers and trustees. Directors' & Officers' Liability, Executive Liability or Management Liability insurance are essentially interchangeable terms. However, insuring agreements, definitions, exclusions and coverage options vary materially depending upon the type of policyholder being insured and the insurer underwriting the risk. Executive Liability insurance, once considered a necessity solely for publicly traded companies, particularly due to their exposure to shareholder litigation, has become recognized as an essential part of a risk transfer program for privately held companies and not-for-profit organizations. Optimization of protection is a common goal shared by all types of organizations. In our opinion, the best way to achieve that objective is through engagement of highly experienced insurance, legal and financial advisors who work collaboratively with management to continually assess and treat these specialized enterprise risk exposures. Private Company D&O Exposures In 2005, Chubb Insurance Group, one of the largest underwriters of D&O insurance, conducted a survey of the D&O insurance purchasing trends of 450 private companies. A significant percentage of respondents gave the following reasons for not purchasing D&O insurance: • did not see the need for D&O insurance, • their D&O liability risk was low, • thought D&O risk is covered under other liability policies The companies responding as non-purchasers of D&O insurance experienced at least one D&O claim in the five years preceding the survey. Results showed that private companies with 250 or more employees, were the subject of D&O litigation during the preceding five years and 20% of companies with 25 to 49 employees, experienced a D&O claim. The survey revealed 43% of D&O litigation was brought by customers, 29% from regulatory agencies, and 11% from non-publicly traded equity securities holders. The average loss reported by the private companies was $380,000. Companies with D&O insurance experienced an average loss of $129,000. Companies without D&O insurance experienced an average loss of $480,000. Some Common Examples of Private Company D&O Claims • Major shareholder led buy-outs of minority shareholders alleging misrepresentations of the company's fair market value • purchaser of a company or its assets alleging misrepresentation • sale of company assets to entities controlled by the majority shareholder • creditors' committee or bankruptcy trustee claims • private equity investors and lenders' claims • vendors alleging misrepresentation in connection with an extension of credit • consumer protection and privacy claims Private Company D&O Policy Considerations Executive Liability insurance policies for privately held companies typically provide a combination or package of coverage that includes, but may not be limited to: Directors' & Officers' Liability, Employment Practices Liability, ERISA Fiduciary Liability and Commercial Crime/ Fidelity insurance. D&O policies, whether underwritten on a stand-alone basis or in the form of a combination-type policy form, are underwritten on a "claims-made" basis. This means the claim must be made against the Insured and reported to the insurer during the same effective policy period, or under a specified Extended (claims) Reporting Period following the policy's expiration. This is a completely different coverage trigger from other liability policies such as Commercial General Liability that are traditionally underwritten with an "occurrence" trigger, which implicates the insurance policy that was in effect at the time of the accident, even if the claim is not reported until years later. "Side A" coverage, which protects individual Insureds in the event the Insured entity is unable to indemnify individuals, is a standard agreement contained within many private company policy forms. These policies are generally structured with a shared policy limit among the various insuring agreements resulting in a more affordable insurance product tailored to small and mid-sized enterprises. For an additional premium, separate policy limits may be purchased for one or more of each distinct insuring agreement affording a more customized insurance package. Also, policies should be evaluated to determine whether they extend coverage for covered "wrongful acts" committed by non-officers or directors, such as employees, independent contractors, leased, and part-time employees. Imputation of Knowledge & Severability Coverage can be materially affected if an Insured individual has knowledge of facts or ci
Views: 14 Braian Plá
Professional Consultants Insurance Explained | constructaquote.com
https://www.constructaquote.com If you are a professional consultant then providing reliable and professional advice and excellent service is an important part of your role. If your client thinks advice you have given was wrong advice and has caused harm to their reputation or business by way of financial loss, they could try and claim compensation from you; even if it’s not your fault the financial cost could be devastating. Unfortunately, sometimes things go wrong. You could violate copyright laws without realising, or accidentally take down a client’s website, or say something that damages another company’s reputation or simply without realising it, gave the wrong advice. Our Professional indemnity insurance provides specialist cover for over 100 types of professional consultants. Cover can include legal fees and awards from £50,000 to £2,000,000 any one claim or any one year. Many of your clients will make sure you have professional indemnity insurance before they work with you, especially if they're a local authority or a large company. It's worth having the right cover in place to give you and your client peace of mind, allowing you to get on with the job. With cover starting from £60 what are you waiting for. https://www.constructaquote.com/category/professional-insurance PI - **For a limit of indemnity of £50,000 on an Aggregate Claims made basis, Premium includes IPT at the current rate and are for firms with fees up to and including £50,000 and trade risks/contractors with turnover up to and including £500,000. Premium is based on our minimum rate across all our trades Smart business people insure with constructaquote.com, where honesty is our best policy. constructaquote.com are authorised and regulated by the financial conduct authority under registration number 308035 Honesty is our best policy so being transparent with our customers always comes first. https://www.facebook.com/constructaquote https://twitter.com/constructaquote https://www.youtube.com/watch?v=VYHdnXYH2y8 https://www.youtube.com/watch?v=M7F1hSCokq0 https://www.youtube.com/watch?v=1WT4SQQ9NqQ
Views: 159 constructaquote.com
Example: Warranty Expense/Liability, Accrual/Cash Basis |Intermediate Accounting|CPA Exam FAR|Chp 13
Guarantee and Warranty Costs A warranty (product guarantee) is a promise made by a seller to a buyer to make good on a deficiency of quantity, quality, or performance in a product. Manufacturers commonly use it as a sales promotion technique. Automakers, for instance, “hyped” their sales by extending their new-car warranty to seven years or 100,000 miles. For a specified period of time following the date of sale to the consumer, the manufacturer may promise to bear all or part of the cost of replacing defective parts, to perform any necessary repairs or servicing without charge, to refund the purchase price, or even to “double your money back.” Warranties and guarantees entail future costs. These additional costs, sometimes called “after costs” or “post-sale costs,” frequently are significant. Although the future cost is indefinite as to amount, due date, and even customer, the company has a performance obligation for which a liability should be recognized. The estimated amount of the liability includes all the costs that the company will incur after sale and delivery and that are incident to the correction of defects or deficiencies required under the warranty provisions. Warranty costs are a classic example of a loss contingency. Companies often provide one of two types of warranties to customers: 1.Warranty that the product meets agreed-upon specifications in the contract at the time the product is sold. This type of warranty is included in the sales price of a company's product and is often referred to as an assurance-type warranty. 2.Warranty that provides an additional service beyond the assurance-type warranty. This warranty is not included in the sales price of the product and is referred to as a service-type warranty. As a result, it is recorded as a separate performance obligation. Assurance-Type Warranty. Companies do not record a separate performance obligation for assurance-type warranties. This type of warranty is nothing more than a quality guarantee that the good or service is free from defects at the point of sale. These types of obligations should be expensed in the period the goods are provided or services performed. In addition, the company should record a warranty liability. The estimated amount of the liability includes all the costs that the company will incur in the future due to the correction of defects or deficiencies required under the warranty provisions. Illustration 13.15 provides an example of an assurance-type warranty. ASSURANCE-TYPE WARRANTY ILLUSTRATION 13.15 Accounting for an Assurance-Type Warranty Service-Type Warranty. A warranty is sometimes sold separately from the product. For example, when you purchase a television, you are entitled to an assurance-type warranty. You also will undoubtedly be offered an extended warranty on the product at an additional cost, referred to as a service-type warranty. In most cases, service-type warranties provide the customer a service beyond fixing defects that existed at the time of sale. Companies record a service-type warranty as a separate performance obligation. For example, in the case of the television, the seller recognizes the sale of the television with the assurance-type warranty separately from the sale of the service-type warranty. The sale of the service-type warranty is usually recorded in an Unearned Warranty Revenue account. Companies then recognize revenue on a straight-line basis over the period the service-type warranty is in effect. Companies only defer and amortize costs that vary with and are directly related to the sale of the contracts (mainly commissions). Companies expense employees' salaries and wages, advertising, and general and administrative expenses because these costs occur even if the company did not sell the service-type warranty.
Reserves & D&O Insurance - with Kevin Davis (2018)
Listen to a webinar featuring Reserve Study expert Robert Nordlund (Association Reserves, https://www.reservestudy.com/) and Directors & Officers Liability Insurance expert Kevin Davis (Kevin Davis Insurance, https://www.kdisonline.com/). Robert and Kevin discuss wise decision-making (and what that means) leading towards peace of mind with effective D&O insurance coverage and having "Adequate Reserves". What decisions are covered by D&O insurance? What constitutes a wise or foolish decision? We look at D&O insurance coverage with specific examples of fiscal responsibility and Reserves. This webinar was recorded live 5/23/2018. Learn more at http://reservestudy.com
Business Insurance Oxnard CA - Call (800) 913-1844
Business Insurance Oxnard CA - Call (800) 913-1844 https://www.pacificinsuresme.com Share this video: https://youtu.be/cER6zx3NgVo What is Business Insurance? Oxnard Business insurance policies protect your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. CA Business Insurance is a broad name for different coverages available to the business owner to protect against losses and to insure the continuing operation of the business. Major Types of California Business Insurance California General Liability Insurance A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability. California Commercial Auto Insurance Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions. California Commercial Property Insurance Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis. California Commercial Umbrella Insurance California Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy). California Professional Liability Insurance Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. California Business Owner's Package A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss. California Workers Compensation Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. Contact Pacific Insurance today for a FREE Oxnard CA Business Insurance Quote! Business Insurance Oxnard CA - Call (800) 913-1844 https://www.pacificinsuresme.com Share this video: https://youtu.be/cER6zx3NgVo #pacificinsuresme #business insurance california #business insurance oxnard #business insurance oxnard ca #commercial insurance oxnard ca
Liability insurance
Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Originally, individuals or companies that faced a common peril, formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium. Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial. This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
Views: 3775 Audiopedia
Product Liability Lawyer / Attorney in Scottsdale, Arizona
The Law Office of Jeffery J. Hernandez http://www.arizonalawonline.com/ At the Law Office of Jeffery J. Hernandez, we help individuals and families obtain compensation for injuries caused by defective products. Our firm employs engineers and nationally-renowned technical experts to help us prove our clients' product liability cases. In addition, we do extensive research into the testing that products underwent before being marketed, we locate recalls, and we research the number of known injuries the product or manufacturer has caused. Product liability cases are often complex and expensive to pursue. Our attorneys offer all our clients a free initial consultation where we discuss the prospective cases, including the mechanism and extent of their injuries, medical bills, lost earnings, permanent disabilities, future medical care and expenses, and other related matters. These cases are handled on a contingency fee basis -- If no monetary recovery is made, no attorney's fee is paid. The Law Office of Jeffery J. Hernandez 7047 E. Greenway Parkway, Suite 140 Scottsdale, AZ 85254 Phone: (480) 624-2765
Views: 343 FacesMedia
Encapsulations on a Cat 3 Water Damage New Business Topics
https://restorerscom-blog-blog.tumblr.com/ Encapsulations on a Cat 3 sewage back up! 💦 Category 3 water is classified Category 3 because it is grossly contaminated with pollutants including fungi and bacteria. Universal exclusions in property and liability insurance policies for losses related to fungi/bacteria automatically apply to Category 3 water losses because of the bacteria and/or fungi in the water. Insurance coverage gaps for losses associated with Category 3 water can be filled using the same risk management tools and environmental insurance products created for fungus/mold risks in 2003 Is a highly contaminated water damage that needs a special treatment to generate indoor normal conditions. Conclusion There are no dark secrets related to Category 3 water. The facts and resource documents to study the subject are available to the general public and always have been. There never were Special Forces operatives in the insurance business engaged to eliminate Category 3 water damages from property and liability insurance contracts. There was, however, a concerted effort to eliminate "toxic mold" losses at the turn of the century. Category 3 water losses are more than 50 times greater than mold losses, and they were excluded in the process of eliminating claims from "toxic mold." Category 3 water is defined as Category 3 because of the pollutants/contaminants it contains, including bacteria. Intentional or not, the insurance coverage drafters eliminated or severely sublimited all losses related to Category 3 water by default when the word bacteria was inserted into "mold exclusions." Most Category 3 water losses are being paid as Category 1 water losses today because claims adjusters make no distinction between the categories of water involved in a loss. The only thing potentially wrong with that scenario is that paying claims as a matter of routine business practice that are technically not covered by the insurance contracts that the insurance company sells potentially exposes the insurance company directors to shareholder derivative action lawsuits. With billions of historical insurance claims dollars associated with Category 3 water losses potentially in dispute with shareholder representatives, it is likely that the differences between the insurance coverage sold and the claims payments made related to Category 3 water damages will narrow over time. In anticipation of more coverage denials on losses related to Category 3 water, insurance practitioners are well advised to fill the gaps in insurance coverage created by fungus/bacteria exclusions on a proactive basis. Insurance coverage solutions for virtually all sources of Category 3 water losses are readily available in the environmental insurance marketplace and have been for more than 7 years. 1In 1994, the IICRC made the decision to eliminate the use of gray and black water references in the professional standard because color-based descriptions of the water were not accurate. Water grossly contaminated with bacteria can be perfectly clear, Category 3 water formerly referred to as black water is rarely black, and Category 2 water formerly referred to as gray water might not be gray. 2It is important to note that "contaminates" is an operative word found in the standard pollution exclusions universally found in property and liability insurance policies. Although the discussion below will focus on Category 3 water in reference to the fungus/bacteria exclusions, many of the contaminants referenced in the definition of Category 3 water technically trigger both pollution exclusions and fungus/bacteria exclusions. In some states, as established by litigated insurance coverage caselaw, bacteria has already been determined to be a "pollutant" within the ISO standard definitions used in pollution exclusions. In these states, Category 3 water is excluded by both pollution exclusions and fungus/bacteria exclusions, the latter being by far the more onerous of the two exclusions. Encapsulations on a Cat 3 Water Damage New Business Topics
Views: 215 Restorer's Channel
What is CTP Insurance?
What is CTP insurance? Compulsory third party (CTP) insurance is insurance that Westralian motorists pay for the time they pay for the registration of the motor vehicle. It provides protection against claims for personal injuries made by other people against the holder of the policy. When a person is injured as a result of a motor vehicle accident in Western Australia, they can make a claim on the policy of the liable driver. If you suffered from personal injuries caused by a motor vehicle accident in Western Australia, you may be entitled for compensation if: 1) you suffered a loss, and, 2) your injury is caused by the negligence of others. If you have made a personal injury claim for motor vehicle accident, you can claim loss of income, medical expenses, domestic assistance, travel expenses, future losses, and pain and suffering. https://foylelegal.com/personal-injuries/motor-vehicle-accident-claim Foyle Legal help personal injury claims on No Win No Fee basis https://foylelegal.com/personal-injuries/no-win-no-fee-personal-injury-compensation-claim. There is no up-front cost for you, and we provide you with obligation free claim review. Transcript: Hi my name is Christian Foyle I'm the director of Foyle Legal. Today's question is what is CTP insurance? CTP insurance is a compulsory insurance that all WA motorists pay when they renew their motor vehicle registration. It covers personal injury compensation to third parties as a result of a motor vehicle accident. If you are injured in WA as a result of a motor vehicle accident and it is due to the negligence of another WA registered motor vehicle then your personal injury compensation will be paid by the at fault drivers CTP insurance. If you've made a claim for personal injury compensation arising from a motor vehicle accident in Western Australia then Foyle Legal can assist you on a no-win no-fee basis and your first attendance is obligation free you Foyle Legal on zero four zero eight seven two seven three four three by email at Christian dot foyle at Foyle Legal dot com or through our website foylelegal.com. Foyle Legal is located at 6/2 Carson Road, Malaga, Perth, WA 6090.
Views: 99 Foyle Legal
Aviation Lawyers: Clifford Aviation Law
With a staff of experienced aviation lawyers, Clifford Law's Aviation division has been involved in litigating every major airline accident for the past 30 years. Aviation product liability is a complex area, but we have been successful in getting changes made which protect the public from future plane crashes. If you think you may have an aviation-related case, call us at 1 (866) 896-6896. Consulting with one of our experienced aviation attorneys can provide a sound basis on whether to pursue an action in court. Also don't forget to visit us also on the following: Facebook (http://www.facebook.com/CliffordLawOffices) Twitter (http://twitter.com/CliffordLaw)
Defective Products and Product Liability
For more information on legal topics, please visit our website or connect with us in social media. http://www.DaggettShulerLaw.com https://www.facebook.com/DaggettShulerLaw https://twitter.com/david_daggett https://www.youtube.com/user/davidddaggett https://www.linkedin.com/in/daviddaggett https://plus.google.com/+DaggettShulerLaw Office info: Daggett Shuler Law Firm 2140 Country Club Road Winston-Salem, NC 27104 PH (336) 724-1234 TF 1-800-815-5500 Greensboro Office PH (336) 288-2234 Free Consultation - Home & Hospital Visits - No Recovery/No Attorney Fee - On-Call 24/7.
GSA Fleet Desktop Workshop:  What's Your Personal Liability While Driving a GOV?
What happens if you cause a vehicle accident while driving a GOV? Learn about your responsibilities when using a GOV; Official Use/Misuse; Permissible/Impermissible Use; Scope of Engagement; Liability Assigned; Federal Tort Claims Act; Privately Owned Vehicles on Government Business; and, Rental Cars. Recorded March 2018, Office of Fleet Management, Desktop Workshop Training https://drivethru.gsa.gov/
How to Find The Best Personal Injury Lawyer
http://www.napolinlaw.com - We take cases on contingency fee basis which means that attorney fees are paid as a percentage of recovery. For cases that we do take, no payment is due our office unless money is collected on behalf of the client. Costs are generally fronted by the law office when appropriate, however, a determination on who is to cover costs is made upon our agreement to engage representation. Our law firm handles all different types of personal injury law cases and provides free case evaluation for those who call. All calls are directed to attorney Alexander D. Napolin for initial review. To contact our office, call 909-325-6032. Learn more about personal injury law here: http://www.napolinlaw.com/practice-areas/personal-injury/ A California Personal Injury Lawyer can help you with: Nursing Home Abuse; Slip and Fall; Spinal Injury; Train Wreck; Arbitration; Mediation; Litigation; Trial; Lawsuit; Severe Burn; Whiplash; Amputation; Loss of Limb; Botched Surgery; Medical Malpractice; Battery; Assault; Toxic Exposure; Products Liability Claim., Animal Attack; Dog Bite; Car; Truck; Motor Vehicle; Motorcycle; Boat; Pedestrian; Auto; Accident; Collision; Head Injury; Pain and Suffering; Traumatic Brain Injury; Wrongful Death.
Chapter 12 (Part 1)
Warranties and Product Liability Table of Contents: 00:00 - Chapter 12 (Part 1) 00:08 - Warranties in General 00:36 - Warranties of Title 01:03 - Express Warranties 02:06 - Implied Warranties of Merchantability 02:55 - Implied Warranty of Fitness for a Particular Purpose 03:53 - Implied Warranty from Prior Dealings or Trade Custom 04:01 - Overlapping Warranties 04:32 - Warranty Disclaimers 05:25 - Magnuson-Moss Warranty Act 06:30 - Lemon Laws 07:11 - Product Liability 07:32 - Product Liability (Negligence) 08:25 - Product Liability (Misrepresentation) 08:50 - Strict Product Liability 09:15 - Requirements for Strict Product Liability 09:57 - Three Types of Product Defects 10:31 - Other Applications of Strict Liability 10:43 - Defenses to Product Liability
Views: 3334 GRCCtv
3 Reasons You Need to Purchase Business Auto Insurance
You can also check out our blog at: https://www.dopazoinsurance.com/answers/business-auto-insurance/ ‎ The first reason is the simplest. Basically it's not covered anywhere else. General Liability specifically excludes it and if you are using your personal vehicle, it's excluded on that policy too. Some examples of business use could be carrying tools, having signage on your car or having the vehicle wrapped, or working for a ride sharing company like Uber or Lyft. Any business use can potentially be used to exclude coverage. A second reason to have business auto insurance is hired and non-owned auto liability. Hired and non-owned auto coverage provides protection for your business for those incidental (meaning not their everyday work) reasons where your employee(s) might be using their vehicles while working. Some examples include going to the bank, going to pick up lunch or coffee for the office or maybe picking up some office supplies. If the employee gets involved in an automobile accident during that time, your business may be brought in to the claim because basically they were working at the time. Hired and non-owned auto liability would respond to protect your business. Sometimes, you can add the coverage to your General Liability policy but that falls into the 'just because you can doesn't mean you should' column. It's kind of like drinking a skim decaf cappuccino. Yes, it's technically coffee but you are not going to have the same experience that you would if you had the coffee the way it was intended. With a general liability policy, you'll be dealing with an adjuster who doesn't have as much experience with auto losses. The coverage is also usually written on an excess basis on general liability policies, so that means that you will be dependent on your employees’ coverage to handle the claim before your policy will start to protect you. On a business auto policy, the coverage is primary and the adjusters have a lot of experience with those types of losses, so the experience will be smoother, quicker and handled with the least amount of hassle to you. A third reason to have business auto liability insurance is something that most people believe is covered under the general liability policy, however it is specifically excluded. That is loading and unloading. So, you would think that after you've parked the car, turned it off and put the keys in your pocket that the business auto liability would be over, but if you’re making a delivery, you are still being covered by the business auto liability. Let me explain. After the car is parked, you open your trunk, take a few boxes and put them on a hand cart. The boxes could be anything: a product, Christmas gifts, gifts for a referral partner or maybe even documents. As you walk through the parking lot, in the building, up the elevator, through the door and literally until the items are finally delivered, you are considered to be unloading which is excluded on the general liability policy and can be covered on the business auto policy. This is the primary reason that many building owners want to see the business auto liability coverage of any company providing deliveries at their buildings. Those are only three reasons why you should have a business auto liability policy but there are many more. Keep in mind that NOT all insurance is created equal. No matter what you may see on TV or internet ads, all policies are NOT the same. You should spend some time with your independent insurance agent to discuss your coverages and make sure that the insurance coverage you want to have is the coverage you do have on your policies. If you don’t have an independent agent or would like a second opinion, feel free to call, chat or email us and we would be glad to discuss your needs and/or policy with you. Thank you. Dopazo & Associates Insurance Services 8725 NW 18th Terr Ste 300 Miami, FL 33172 PH 305-470-8500 Email [email protected] www.dopazoinsurance.com
How to mitigate personal liability as the director of a growing high tech company - MNP Ottawa
Visit: http://www.mnp.ca/en/offices/ottawa By John Haralovich “John, how can I mitigate my personal liability as the director of a growing high tech company?” Tech companies devote resources to protect their source code but often overlook the details to protect key stakeholders and directors. Directors must ask questions of the finance team to ensure they are adequately protected as well. The cycle for tech companies typically includes periods of low cash flow where decisions must be made about what should be paid versus what can be paid. Debts that have director liability implications are often overlooked or postponed in hopes that a new round of financing or SR&ED tax credits will cover the arrears. Directors must keep their eye on the following:  Employee source deductions. This debt has a priority over the assets of the company and ranks ahead of all creditor claims, including those of secured creditors. Should there not be sufficient assets in a corporation, this government claim extends beyond the corporation to all directors. It’s important to note that the Canada Revenue Agency does not prorate the amount due by a director.  Employee wages and vacation pay. It does on occasion happen that when cash flow is soft, employees work in the hope that they will get paid their outstanding wages at a later date. If employees are not paid, they can make claims against the directors of the company.  Goods and services taxes. When tech companies start to sell products or provide services, they will be required to charge and collect commodity taxes. Companies could find themselves in a situation where cash flow is soft and elect to not remit this payment. Again, directors are fully liable for these claims on the same basis as employee source deductions.  Guarantees provided for secured creditors. When companies arrange financing, their goal is to get the cash. In the heat of arranging the financing, guarantors mayforget they have personally guaranteed the debts of the business. If there is a situation where the company can’t continue as a going concern, the claims for employee source deductions and HST rank in priority to these secured claims. This then leads the lender to call on the guarantee, which adds to further claims against shareholders and directors.  Landlords. Landlords know that, historically, tech companies are risky tenants. They try to protect their interests by having directors, shareholders or other stakeholders provide guarantees in support of the lease agreement. In the event the company can’t make its lease payments, the guarantors are called upon to satisfy the remaining term of the lease. In summary, key stakeholders and directors must pay attention to the details to ensure they are not called upon to satisfy claims not paid by the company in the event cash flow isn’t sufficient to sustain operations.  All directors are jointly and severally liable – one single director could potentially pay any or all of the amounts mentioned above. Don’t let it be you.
Using Film Clips in Movie Reviews - Entertainment Law Asked & Answered
http://firemark.com Brief Explanation of Fair Use - http://firemark.com/fairuseinbrief YouTube’s Strike Policy - http://www.zdnet.com/article/google-announces-legal-support-for-youtube-fair-use-copyright-battles Tim wrote in with a question about his movie reviews channel on YouTube. I'm Entertainment Lawyer Gordon Firemark, and this is Asked and Answered, where I answer your questions, so you can take your business in entertainment and media to the next level! My answer in just a sec... So here's what Tim wrote in the comments on my YouTube channel... "A friend and I want to start a YouTube channel that reviews movies. We want to give facts, actors, and other details about the featured movie, as well as put 2-3 short clips from that specific movie. How can we do this legally and without getting a copyright strike on our YouTube channel?” Hi Tim, First off, the best way to get questions to me is via http://firemark.com/questions, that way you get notified as soon as I post an answer via video. And you get subscribed to my free email newsletter, where I provide all kinds of other free, useful information. OK, here goes... Movie Reviews in electronic media have a long history of using clips, stills and other material from the the films they're reviewing. TV review shows, radio reviews, and what have you... All of them have done this. In most cases, the studios have provided the clips as part of the press-kit for the films. After all, they want to get these films out there for the public to know about, so they'll come and see them. That's how the studios make money. So.. Start by contacting the major studios and film distributors and asking to be added to the circulation list for their Electronic Press Kits (EPK for short). Sometimes you can find the EPKs on the movie websites, so have a look around Now if you get the clips this way, then you'd be operating under a license from the copyright owner... And as long as you comply with whatever terms they require, you should be fine. But, small snippets used in the context of a bona-fide movie review will most likely constitute FAIR USE, and therefore NOT copyright infringement. The trouble is, it's risky to rely on Fair Use in these situations, since that determination is typically made on a case-by-case basis by a Judge or Jury... Which means you're already embroiled in a lawsuit by the time you get to present the defense. You may also want to have a look at my "Brief Explanation of Fair Use" video: http://firemark.com/fairuseinbrief for a bit more detail. The good news is that a recent court ruling requires copyright owners to make a good-faith determination about fair use BEFORE issuing a DMCA takedown. AND, if they do issue a takedown, you'd have a valid basis to issue a counternotice, and get the video reinstated. YouTube’s strike policy is somewhat flexible, and they've recently indicated that they'll even help support users who have fair use claims. (see http://www.zdnet.com/article/google-announces-legal-support-for-youtube-fair-use-copyright-battles/) So, my advice is: See if you can get official press/PR copies of the footage you want to use, and be careful to comply with the film owners' requirements, but even if you're not able, consider whether your use falls within the fair use defense/exception to copyright infringement, and document your decision making process. You may want to consider getting some Errors and Omissions insurance to cover you and legal fees if you're sued. And, of course, contact me if you need further analysis and advice. I can prepare a formal opinion letter about your videos. So if you have any question about entertainment law or business that you’d like to see answered here, send it over by or visiting http://firemark.com/questions
Views: 18657 Gordon Firemark
Advance Chakra Activation for Manifestation Healing Ep 4
SUBSCRIBE! What to expect and instructions!!! This audio will help clear and connect all the Chakra's together. This will bring the spiritual creations into physical creations. You are responsible for your own manifestations so have a clear intention. You may experience dizziness and light-headedness. Your life can shift with positive experiences, unexpected income and more... I'd love to know your results if you use it for at least 7 days. Advance Chakra Activation Ascension Codes via Ascended Healing is meant to help bring your desires into reality. So set a positive intention, put a smile on your face, think of something you are grateful for and push play! Make sure you are in a positive frame of mind to attract positive outcomes. This will also balance your chakras. This is not a meditation it is a healing please do NOT use while driving. You will experience times of silence as the frequencies are flowing to you. Yawning, ears popping, smiling, experiencing emotions and seeing past life events are all normal side effects. If you feel nothing you life may still change rapidly. Listen daily for 7-30 days so that your chakras are naturally aligned on their own. Join my upcoming webinar - teleseminar: YOUR PERFECT BODY NOW and donation based healings/webinars email: madamesque . mag @ gmail.com for more information begins 1/24/16 All on a donations bases. Sign-up now. Jan 3, 6pm 2016. http://madamesque.com/healing BUY Music By Aeralie Bright on Itunes: https://itunes.apple.com/us/artist/aeralie-brighton/id787334494 Buy More healing like these : http://store.payloadz.com/results/265112-love-you-guru-consultations Adrien thank you for this Webinar it was amazing! Thank you Daniela for facilitating this healing webinar for us & Thank you to all the callers also. I resonated in some way with each caller & what they were requesting to have healed. At the start my chest felt so heavy I was having trouble breathing even after using my inhaler & by the end I could breath again & my chest felt light. The Kundalini healing is one that I received the deepest healing from. Wearing a mask really spoke to me & when I saw my energy flowing around me, it was having trouble doing so then all of a sudden it just started following without any blocks & then I felt like throwing up. Lol I know that's a good thing though. Thank you so very much for helping all of us to heal & find out passions & purpose. Disclaimer and Release Your use of the Belinda Bentley and Adrien Blackwell (“BB&AB)” websites and any service and/or product obtained is at your own risk and provided to you on an “as is” basis. By purchasing any product or service through the websites, including free and gifted services received, you signify your agreement to be bound by these terms and the terms of use set forth in greater detail at www.loveandyou.guru and incorporated herein by reference. Except in the case of gross negligence or malpractice, you or your representative, hereby agree to fully release and hold harmless Belinda Bentley and Adrien Blackwell (“BB&AB”) from and against any and all claims or liability of whatever kind or nature arising out of or in connection with your session(s). Readings and healings obtained from this website are not a substitute for legal, financial, medical, or psychiatric advice or care from a certified professional. Please seek the advice of a trained Medical Doctor about any health concerns. Prior results that you may be made aware of do not guarantee a comparable outcome. Any decision you make because of a reading you do so of your own free will and you understand and acknowledge that readings are subject to your interpretation. You release BB&AB of any and all liability resulting from use or misuse of information obtained from BB&AB for any reason. All downloads and recordings are provided to you based on your agreement not to reproduce or share them publicly for any reason. Failure to adhere to these terms may result in legal action to enforce these terms and our intellectual property rights. You are solely responsible for your use of downloaded audio records and similar products. DO NOT USE AUDIO RECORDINGS/DOWNLOADS (also called Ascension Codes or healing recordings) WHILE DRIVING OR OPERATING HEAVING MACHINERY. BB&AB makes no guarantee regarding the outcome of any prediction or results of any psychic or spiritual consultation or any healing service obtained. No Refunds will be issued regardless of outcome. All sales are final unless stated otherwise on the website and any such refund shall be solely at BB&AB’s discretion.
Views: 3961 Ascension Channel
Retain Experienced Defective Products Attorney Fruit Cove Florida - When Lawyers Compete, You Win!
http://www.legalbistro.com Hire most popular defective products lawyers Fruit Cove Florida. If you are looking to find an attorney in Fruit Cove, Florida to handle your defective products, our video will help you to better understand how to choose the right law firm for your case. The liability of any or all of the the parties involved in the chain of manufacture of any product for the damage caused by that product is called product liability. The manufacturer of component parts, the assembly manufacturer, the wholesaler or retail store owner can be responsible for product liability. Negligence is the basis for product liability claims. The concept of negligence was developed under English Law and emerged as an independent cause of action in the 18th century. Negligence is defined as conduct that falls below the standards of behavior established by law for the protection of others against unreasonable risk of harm. It involves the failure to use reasonable care and in some cases, negligence is defined by statute, known as Negligence Per Se. Some acts are considered to be inherently negligent and do not require to prove the negligence was known or intended, when for example a doctor leaves a sponge inside their patient during surgery. Strict liability is a concept of the tort law that imposes liability for harm suffered without the requirement of proof of negligence. In this case the degree of care by the manufacturer is not important, the product must be simply proven to be defective. The term "breach of warranty of fitness" involves broken promise regarding a product made by either a manufacturer or a seller. The Uniform Commercial Code provides warranty protection. The Federal Trade Commission Improvement Act was passed by Congress in 1975. It targets at written warranties, service contracts, relates to the sale of consumer products and defines standards for disclosure and remedies to the aggrieved consumers. Types of product defects include: design defects, manufacturing defects and defects in marketing. Design defects are regarded as inherent, because they exist before the product is manufactured. The product is considered to be unreasonably dangerous to use due to a design flaw. Manufacturing defects occur during the construction or production of the product and only a few out of the many products of the same type are flawed. Defects in marketing include improper constructions and failure to warn consumers about product dangers. If you have a defective product case, a product liability attorney is absolutely necessary in order to best protect your rights.  Don't be shy and visit our website to resolve your problem. Visit our blog on http://blog.legalbistro.com/ See us on Facebook: https://www.facebook.com/legalbistropage See us on Twitter: https://twitter.com/blogLegalBistro See us on LinkedIn: http://www.linkedin.com/profile/view?id=211696188&authType=name&authToken=FnxO&trk=wvmx-profile-title See us on Google+: https://plus.google.com/104548476571730466746/posts Watch our "Why Consumers Love legal Bistro" Video: https://www.youtube.com/watch?v=LdeffI-LJXs Watch our "Legal Bistro - How It Works" Video: https://www.youtube.com/watch?v=s0rvFx-C66g
Payment Cards Coming Back to Europe & Asia! Europe loves Crypto - Wirex Crypto Coverage - LIVE!
Thank you all for joining! Join our Wirex Community Manager Raph for a special, short and sweet LIVE. He’s going to take you through the TOP headlines in crypto-land all the investors are talking about this week and well, what that means for you. All in under 30 short minutes! Wednesday 2PM GMT 🙌 ⚡ if you'd like to support Wirex, please throw this video a like; and feel free to share the goodness with your friends too! ⚡ 🧠 Need More Wirex?: ◆ Join the Telegram Community!: https://t.me/wirexchat ◆ Steemit: https://steemit.com/@communitymanager ◆ Instagram: @wirexapp ◆ Twitter: https://twitter.com/wirexapp ◆ Facebook: https://www.facebook.com/wirexapp ◆ Blog: https://wirexapp.com/blog/ ◆ Bitcoin Wallet: https://wirexapp.com/wallet/# ◆ Payment card: https://wirexapp.com/card/ 1:06 - Disclaimer + intro 3:13 - Start of WIrex News - 3:22 - Wirex Coming Soon to Asia 5:42 - Wirex Virtual Card Testing! 8:03 - When will Wirex be available in Europe? DATES! 10:01 - Wirex Co-Founder Dmitry speaks to Coin Idol! 13:00 - Wirex CEO AMA & Money 20/20 Europe! 15:07 - Twitter CEO on Bitcoin! 16:02 - Litecoin and LitePay 18:16 - French Finance Minister on CryptoCurrency 19:40 - The Netherlands set's legal crypto currency president 20:30 - Spain's Economic Minister talks Cryptocurrency 21:29 - China's first central bank Governor in 15 years is pro Crypto? 22:39 - Huawei building blockchian phone? 24:39 - Kik messenger ICO 26:13 - Stellar/Ripple founder on decentralisation. 26:55 - US Treasury includes wallets on sanctions list. 27:50 - China Issues Oil backed Yuan Futures. 💬 References ◆ https://wirexapp.com/wirex-brings-back-card-spending-asia/ ◆ https://community.wirexapp.com/t/wirex-founder-ama-2/1237 ◆ https://community.wirexapp.com/t/wirex-payment-card-update/1040/39 ◆ https://coinidol.com/physical-bitcoin-debit-cards-coming-back-to-europe/ ◆ https://europe.money2020.com/speakers/pavel-matveev ◆ https://wirexapp.com/press-release-wirex-brings-back-card-spending-europe/ ◆ http://www.redmondpie.com/bitcoin-will-become-worlds-single-currency-within-10-years-says-twitter-ceo/ ◆ https://www.ccn.com/we-got-too-excited-charlie-lee-litecoin-foundation-apologize-after-litepay-vanishes/ ◆ https://www.ccn.com/french-finance-minister-reverses-course-touts-cryptocurrencies/ ◆ https://uitspraken.rechtspraak.nl/inziendocument?id=ECLI:NL:RBAMS:2018:869 ◆ https://www.ccn.com/european-union-wont-wait-for-global-agreement-on-cryptocurrencies-spanish-minister-reveals/ ◆ https://news.bitcoin.com/chinas-first-central-bank-governor-15-years-likes-bitcoin/ ◆ https://www.youtube.com/watch?time_continue=22&v=rNp5DryQs40 ◆ https://www.engadget.com/2018/03/22/huawei-may-be-developing-a-blockchain-smartphone/ ◆ https://www.camusocpa.com/cryptocurrencies/american-bar-association-aba-section-of-taxation-ask-irs-to-create-safe-harbor-for-cryptocurrency-hard-forks/ ◆ https://www.ccn.com/kik-messenger-to-launch-kin-token-on-two-blockchains/ ◆ https://www.ccn.com/stellar-founder-ripple-co-founder-cites-importance-of-decentralization/ ◆ https://www.bloomberg.com/news/articles/2018-03-26/china-s-first-ever-yuan-oil-futures-begin-trading-in-shanghai ◆ https://www.ccn.com/us-sanctions-could-expand-to-include-digital-wallets-of-bad-actors/ The material in this presentation has been prepared by Wirex Limited, registered in England with company number 09334596 (Wirex). References may be made in this presentation to and may incorporate general background information about Wirex’s activities, past and current as at the date of this presentation, including those of Wirex’s group of companies. The information given in this presentation is not a complete or comprehensive analysis of the matters it outlines and is based heavily on views held by Wirex, which should under no circumstances be interpreted to be factual in nature unless otherwise stated. Any information in this presentation, including forecasted financial or market information, should not be considered as advice or a recommendation to investors or potential investors in relation to the holding, purchasing or selling of any financial products or instruments, whether regulated or otherwise. This presentation may contain forward looking statements including statements regarding Wirex’s intent, belief or current expectations with respect to the business and operations of Wirex, as well as market conditions, results of operation and financial conditions and risk management practices relating to the same. Readers and recipients of this presentation are cautioned not to place any reliance on any forward looking statements in this presentation and Wirex accepts no liability for any loss whatsoever, direct, indirect or consequential, arising from a decision, whether relating to regulated investments or otherwise, made on the basis of any information or statement(s) made in this presentation.
Views: 845 Wirex
Personal Injury Litigation Salt Lake City UT 1-800-404-9000
Personal Injury Litigation Salt Lake City UT https://www.CraigSwapp.com - For personal injury litigation in Salt Lake City Utah the law office to call is Craig Swapp and Associates at 1-800-404-9000. Experienced in litigation, Craig Swapp and Associates brings to the courtroom knowledge and experience that will work to get you the damages you deserve. Trust the experience of Craig Swapp and Associates. Call now at 1-800-404-9000 for personal injury litigation in Salt Lake City Utah. There are a number of reputable and solidly established law firms and private-practice lawyers specializing in Personal Injury Litigation Salt Lake City, Utah. Most, if not all, of these attorneys are aggressive front-liners and have managed to win numerous and complex personal injury cases including, but not limited to: trucking accidents, malpractice, product liability, insurance and other significant cases. There are many firms specializing in these types of cases in Salt Lake City such as Dewsnup, King & Olsen; Kipp and Christian; Lewis Hansen; and James Esparza law firms, among others. Obtaining a personal injury can be damaging not only physically but also emotionally. Thus, acquiring legal services from people who have a deep understanding of the state laws would be very imperative so that you can focus on your recovery. The personal injury litigation Salt Lake City, Utah is comprised of cases that render the appellant suffering from physical, financial, and even emotional injury through the wrongdoing of another party. Wrongful death lawsuits, with victims killed due to negligence or a wrongful action from the road or workplace accidents, or even from harmful products, is a part of this. Medical malpractice is also a wide and common subfield in personal injury litigation Salt Lake City, Utah. A strong representation is crucial to get a settlement since hospitals also have their own networks of legal defense team that may hinder victims from getting compensation that they rightly deserve. This is one of the most expensive and complex areas of the law regarding personal injury since this requires years of practice from lawyers to be fully competent in the arena what with the wide array of medical terms and procedures to master, not to mention the standards of medicine. It also requires acquiring experts' opinion from medical contacts and facilities if the need arises. Settlements as large as multi-million dollars from personal injury litigation Salt Lake City, Utah could also come from lawsuits and claims of catastrophic injuries that make the victim severely disabled and unable to perform activities of daily living. These could be from brain, burn, spinal, or accident-obtained injuries. Another type of personal injury is financial loss or injustice from claims of bad faith of insurance providers. It means that the insurance company did not pay or underpaid the legitimate insurance claims of the appellant. It is vital to get the best representation for personal injury litigation Salt Lake City, Utah that you can afford. Make sure not just to rush into a decision and weigh your options with the number of choices in your hands. Take the opportunity to get as many consultations as you can. Select a lawyer or firms that not only have vast personal injury cases won to their credit, but also those who give a reasonable and contingent fee basis to their clients. Craig Swapp and Associates 1-800-404-9000 9980 South 300 West Sandy, UT 84070 Video URL: http://www.youtube.com/watch?v=iJWp7x-fOCg Personal Injury Litigation Salt Lake City UT
Should I Speak to the at Fault Party's Insurance Adjuster?
http://www.hcwlaw.com "Should I Speak to the at Fault Parties Insurance Adjuster? - Hastings, Cohan & Walsh LLP" We're here to help! If you or a loved one has been injured in an accident you have questions that need to be answered! Contact us for more answers! Hastings, Cohan & Walsh LLP works on a contingency fee basis and provides free consultations.We believe in changing the way traditional personal injury law firms do business to better serve our clients. We think and act differently! The way we challenge the status quo is to give our clients FREE books, which we have written - full of practical advice and information - that can help them improve physically and dramatically increase the value of their case. We just happen to really care about our clients. Can we help you? So, before you hire a lawyer, speak to an insurance adjuster or sign any paperwork order a copy of our free book "The Crash Course on Personal Injury Claims in Connecticut." The insurance company has a team of professionals working for them trying to determine how to pay you the least amount of money possible. Shouldn't you have someone working to protect your interests? Don't delay order the book today! We are happy to review any Connecticut case for matters involving Personal Injury or Medical Malpractice. Our practice includes: All Accidents & Personal Injury Cases Car Accidents Automobile Accidents Truck Accidents Motorcycle Accidents Drunk Driver Accidents Dram Shop Cases Reckless Driving Accidents Teen Driver Accidents Distracted Driver Accidents Construction Site Injuries Slip & Fall Cases Sports Injuries All types of Child Injury Accidents Whiplash Broken Bones Spinal Cord Injuries Head Injuries Traumatic Brain Injuries Wrongful Death Case Dog Bites & Animal Attacks Police Misconduct Sexual Assault Mass Accidents Airplanes Buildings Mass Transit - Bus, Train, Subway Ships & Boats Medical Malpractice Anesthesia Malpractice Birth Injuries and Defects Cosmetic Surgery Dental Malpractice Elder and Nursing Home Abuse Emergency Room Errors HMO Managed Case Lasik Eye Surgery Medication Malpractice Nursing Home Negligence Optometry Malpractice Prescription/Drug Malpractice Psychiatric Malpractice Spinal Cord Injury Surgical Errors Wrong Diagnosis or Misdiagnosis Hospital Malpractice Personal Injury Mediation/Alternative Dispute Resolution (ADR) Product Liability Design Defects Manufacturing Defects Professional Malpractice Legal Malpractice Serious/Catastrophic Injuries Amputation Birth Injury Burn Injury Head/Brain Injury Paralysis Toxic Tort Dangerous Drugs & Products Medical Products & Devices
RBS: A Time Bomb Waiting To Explode. Ian Fraser Shredded: Inside RBS on Max Keiser
RBS could fail due to '£100bn black hole' - with British taxpayers in line to lose their entire £45bn stake http://www.independent.co.uk/news/business/news/rbs-could-fail-due-to-100bn-black-hole--with-british-taxpayers-in-line-to-lose-their-entire-45bn-stake-9466823.html An explosive book says the failure of Gordon Brown and David Cameron to reform the bank after it received a mammoth taxpayers' bailout leaves it vulnerable TOM HARPER Author Biography , NICK KOCHAN Sunday 01 June 2014 British taxpayers risk losing their entire £45bn stake in Royal Bank of Scotland (RBS) which is in grave danger of failing within 10 years, according to an explosive new book. A new study of the disgraced bank, which brought the UK to the brink of financial ruin, reveals RBS still has a £100bn "black hole" in its finances due to "five broad areas of alleged criminality and wrongdoing". They include the mis-selling of financial products such as payment protection insurance, the alleged duping of investors who were persuaded to plough more than £12bn into RBS shares just before the banking crash in 2008, further fallout from the Libor scandal, and current criminal investigations into the manipulation of the £3trn-a-day foreign exchange markets. Shredded: Inside RBS, The Bank That Broke Britain, by the financial journalist Ian Fraser, concludes that the governments led by Gordon Brown and David Cameron have "let the people of Britain down" by failing to reform RBS after it received its mammoth bailout under the stewardship of former chief executive Fred "The Shred" Goodwin. "The result has been that, at the time of writing, RBS is probably a worse bank than it was under Fred Goodwin," Fraser said. "If the right moves are now made, RBS could become a great bank again. If they're not, I doubt it will even exist in 10 years' time. "Whatever happens, it now seems impossible that British taxpayers will ever see a return on their £45.5bn investment in the bank," he writes in the book. RBS is under the spotlight again RBS is under the spotlight again Fraser analyses the bank's extraordinary largesse under Goodwin, whom, he claims, squandered billions of pounds on overpriced acquisitions, fleets of Mercedes and extravagant buildings and decor. The book also claims that Goodwin and his wife, Joyce, avoided tens of thousands of pounds in personal tax liabilities over their repeated use of a controversial £20m private jet bought by RBS in 2002. Fraser says the Goodwins' excessive trips on the Dassault Falcon 900EX executive jet led Her Majesty's Revenue and Customs to conclude that it should be taxed as a "benefit in kind". Fraser writes :"To avoid this, ex-insiders claim the bank transferred ownership of the corporate jet from the Royal Bank of Scotland Group to RBS's Lombard Aviation leasing subsidiary. This gave the impression that the Falcon 900EX was not just a personal plaything and dedicated air taxi for the chief executive, but was chartered out to third parties on a regular basis." The book claims "most senior RBS executives dreaded going on the plane with Goodwin because of his lack of social skills". The plane was configured to include a bedroom for Goodwin, which caused a few problems for his co-passengers on long-distance flights, it is claimed. "Executives who did travel overnight with Goodwin were obliged to sit up all night while Fred reclined in regal splendour in his bedroom aft," Fraser writes. "The arrangement was a double inconvenience since, once Goodwin had gone to bed, the plane's only toilet became inaccessible, because you had to pass through his private suite to reach it. 'We'd be sitting there cross-legged all night,' said one." According to Fraser, former RBS chairman George Mathewson "almost had to plead" with Goodwin to have use of the jet, which had a maximum range of more than 5,000 miles, meaning it could comfortably fly non-stop from RBS headquarters in Edinburgh to Beijing and almost anywhere in the United States. The book claims the RBS lavished vast amounts of its shareholders' money to support the lifestyles of its top executives. One acquaintance is quoted as saying: "Fred wanted to live like Aristotle Onassis on other people's money." Fraser quotes one former RBS insider who criticised the amount of money the bank spent on sponsorship of motor sport. "The amounts of money that were wasted on Formula One were shocking," he said. "The bank spent about £28m in the first year of the Williams sponsorship. "There was no logic to it at all -- it was just a vanity thing for Fred and because he liked motor sport. ......He concludes: "If there is to be one lesson from the RBS catastrophe from an internal company perspective, it is that Britain's much vaunted system of corporate governance is broken and is in need of an urgent overhaul."
Views: 3843 PublicEnquiry
Architects and Engineers Errors & Omissions Insurance
Architects and engineers, as with any other type of professional, are relied upon for their expertise, years of experience and ability to get a project done. A homeowner looking to undergo major renovation, including moving walls to accommodate a bigger kitchen or dining area, requires the expertise of an engineer to determine if this is feasible and will not damage the structure of the home. A new commercial building project requires a team of professionals to make sure that the architect’s design vision is realized. Should something go awry down the road causing delays and financial damages, these professionals would be liable in the event of a claim. An Architects and Engineers Errors and Omissions (A&E E&O) policy is designed to respond to claims arising from negligence or an error during the course of providing one’s professional service. Also known as Professional Liability insurance, the policy provides coverage for defense costs (regardless of the outcome) and indemnification if you’re found liable for damages. Generally, errors and omissions claims are filed against architects and engineers for various reasons such as missed deadlines, poor execution or omitting something. For example, let’s say, you have a projected move-in date of April for a new home but because of miscalculations on construction time-frames, the homeowner is not able to get into the house until September. He sues for the extra expenses this delay is costing him. Or, construction delays due to design flaws in a commercial building cause the owner or developer to pay interest on the project’s financing as well as the expenses involved for redesign. The project owner/developer sues for these expenses as well as for the loss income in getting tenants into the building because of the delay. Inside an A&E Errors & Omissions Policy E&O policies for architects, engineers and design professionals are custom built to suit the individual firm’s needs. Policies are on a claims-made basis, which means your policy must be in place both when an incident occurs and when you file your claim. Also, typically policies are available in increments of $1 million, with a deductible that represents your out-of-pocket expenses before the policy responds. Deductibles vary depending on the needs of your business and the specifications of the policy. At Axis Insurance Services, we specialize in Errors and Omissions insurance, including providing customized policies for architects, engineers, structural design consultants, safety engineers, design build engineers, drafting professionals, and industry-related consultants. Moreover, we can tailor a policy to include: - Structural defects - Pollution and Contaminates related coverage - Contingent Bodily Injury/Property Damage - Innocent insured coverage for dishonest acts - Coverage for Independent Contractors - Design Build Services - Joint Venture Coverage It’s important to note that all architect and engineering firms should carry this coverage – whether you’re a start-up, a sole practitioner or a large company. With construction spending up and various facets of the real estate industry (apartments, multifamily units, commercial office buildings) experiencing a turnaround from years prior, so much is at stake when working on these projects where things can go wrong – even for firms with robust Best Practices in place. The right custom professional liability policy will serve to protect your assets and reputation in the event of loss. Give the professionals at Axis Insurance Services a call to find out more about our E&O policies: (877) 787-5258. http://www.errors-omissions.com/2014/07/architects-engineers-need-errors-omissions-insurance/
Views: 289 Errors Omissions
Marine Cargo Insurance
Marine Cargo Insurance is a staple to the transport of goods both domestic and international, and transportation intermediaries and logistics service providers are in an ideal position to offer quality Cargo Insurance, sometimes referred to as Shippers Interest, to protect their clients’ financial interests. No matter how robust a shipper’s loss-prevention strategy may be, it is reported that 30% of all freight damage in transit is unavoidable, and most losses occur on the way to or from the ports. Furthermore, the FBI estimates that up to $30 billion in cargo theft occurs every year, and the majority of cargo theft take place when goods are on the truck or in storage. It is easy to envision the very real potential for loss or damage to cargo, since we all know it endures long voyages, extensive moving and shifting, and the potential for theft and bad weather (just to name a few of the many risks). A Marine Insurance Policy may be written to include not only goods to be shipped via ocean, but also goods to be shipped via air, truck, rail or other conveyance—including international, domestic or inland transit, warehouse coverage and more. When provided as an Open Cargo Policy the coverage acts as an umbrella, covering all shipments that the transportation intermediary has been instructed to insure. These instructions must be in writing from the shipper and are generally obtained for each shipment in the Shipper’s Letter of Instructions to the freight forwarder. To streamline the process, you may simply obtain a single letter from the shipper or importer requesting insurance on all of their shipments unless otherwise instructed. An Open Cargo Policy is considered to be a contract of “utmost good faith,” meaning that the insured must voluntarily reveal to the insurer all information pertinent to the risk being insured. As the intermediary between the assured and the insurer, it is essential to pass along all material information. Failure to do so could void coverage from the time of policy inception. There are two primary categories of insuring conditions offered to shippers—”All Risk” and Free of Particular Average (FPA). As the name implies, “All Risk” has the broadest insuring conditions and covers the greatest number of perils. FPA is generally only used when “All Risk” coverage cannot be obtained due to the elevated risk associated with the product or shipping conditions. FPA is a named perils coverage meaning that the policy will only cover losses resulting from specifically named causes. “All Risk” on the other hand is held to cover all physical loss or damage from an external cause with the exception of named exclusions. Some of the most common exclusions include: - Improper or inadequate packing - Abandonment of cargo - Rejection by Customs or other governmental authorities - Failure to pay or collect - Inherent vice It is important to note that Cargo insurance covers physical loss or damage and is not intended to cover financial loss due to delay, loss of market, or other subsequent or liability-related losses. When it comes to physical losses, All Risk/Shippers Interest insurance provides the best means of protecting the shipper’s financial interest. Some cargo owners expect that any losses incurred will be paid by carriers and/or warehousemen. This is a frequent misconception. Most carriers and warehousemen are not responsible for losses that are unforeseeable and beyond their control. Furthermore, national and international treaty restrictions limit the monetary liability of most carriers. Always refer to a carrier’s Bill of Lading, tariff or other Terms and Conditions for specific limits of liability. The bottom-line is that if you don’t offer insurance to your clients on a consistent and routine basis you may be doing a considerable disservice to your customer. Your customer may even construe a failure to offer them Cargo Insurance or to explain the risks of transit as an act of negligence, which could potentially lead to an errors and omissions claim. Offering Cargo insurance to your clients enhances a forwarder’s professionalism and protects the forwarder-shipper relationship. Roanoke Trade has access to the very best insurers and policies that can serve your Cargo Insurance needs. We invite you to learn more about us, our experienced talent in this highly specialized area, our creative solutions, and the value we will bring to you and your clients. Please contact us at 1-800-ROANOKE (800-762-6653). https://www.roanoketrade.com/what-is-cargo-insurance/
Views: 1382 Roanoke Trade
Dry Cleaner Horror-Product Liability in New York
http://www.oginski-law.com A woman was crushed to death while using an industrial dry cleaning machine. Find out what an experienced trial attorney looks for when evaluating whether the machine was defective. Watch the video to learn more. To learn how negligence & accident cases work here in New York, I encourage you to explore my educational website http://www.oginski-law.com. If you have legal questions, I urge you to pick up the phone and call me at 516-487-8207 or by email at [email protected] I welcome your call. Law Office of Gerald Oginski, LLC 25 Great Neck Rd., Ste. 4 Great Neck, NY 11021 516-487-8207
Views: 284 Gerry Oginski
करनीति भाग २५५ : GST का रावणदहन - GST की १० ज्वलंत समस्याएं ? by CA Umesh Sharma
Karneeti Part 255 GST Raavandahan: 10 Burning Issues of GST CA Umesh Sharma Arjuna (Fictional Character): Krishna,. On the tenth day, “Dusherra” would be celebrated to mark the victory of good over the Evil. Evil thoughts are burn out, thus how 10 GST burning issues would be resolved? Krishna (Fictional Character): Arujna, as the effigy of Ravana which symbolizes the bad, the evil, the issues in the society which need to be burnt and waded away from the society, similarly there are issues in GST which needs to be taken care by GST Department and needs resolution quickly. Arjuna: Krishna, Ravana had 10 heads, which are symbol of evil. What are 10 burning issues in GST that need to be resolved?. Krishna: Arjuna, following are the major 10 Burning Issues under GST: 1. The September 2018 Return: The return in which effect of any changes in respect to earlier financial year can be taken till return of September 2018, Specially the Invoice wise ITC details if any. Also the ITC credit if any unclaimed or claimed in excess needs to be claimed or reversed as may apply. This is absolutely wrong provision, time should be given till the date of filing of Annual return i.,e Dec 2018 to corrects all mistakes. 2. The Annual Return: The Return format have been made available but the utility for the same is not available, though the due date to file the return is 31st Dec 2018. Further Annual Returns do not provide complete solution for all problems like Invoice Addition, modification, etc. The due date clashes with MVAT Audit Report due date i.,e Jan 2019, hence date needs to be extended well in advance or again extension of date issues may arise like of Income Tax audit due date. 3. GSTR 2A: GSTR-2A is available on the portal on monthly basis. Annual 2A cannot be downloaded. This has increased the difficulty to match the Books of Accounts with 2A. This has increased boredom as same thing needs to done monthly. 4. Reversal of Credit: The credit claimed wrongfully or unintentionally needs to reversed. In addition, the credit taken on purchases, where payment has not been made to suppliers within 180 days also needs to be reversed. Keeping a track of this is the real big burning issue. 5. Extra Tax payment in Cash Ledger! : Arjuna, GST was new for everyone and now books have been closed. Some people have paid taxes in excess of required amount. However, there is no option correct the challan paid and issues arise in refund claim of the same. 6. Composition Scheme- purchase reporting: In GSTR 4 in Sept 2018 qtr, the composition dealers needs to provide Details of Purchases made during the period. It is also one of the issues, as composition dealer is not allowed to take the credit of Input tax credit so keeping the detailed record of the same is tiresome. 7. Issues of GSTR 3B: Amendment to this return is not available. If any change needs to be made then, one needs to wait for the next return or annual return. Thereby increasing the interest day by day if any liability arises due to such rectification. 8. Issues of GSTR 1: Amendment to GSTR-1 is allowed in other period GSTR-1. But it is interesting to note once amendment is done the same invoice, credit note/debit note or B2C sales made cannot be amended again. That is to say only one chance is available to make amendment. 9. Taxation of Agricultural Commission agent and Joint Development Agreement: Recently clarification were issued in this relation, A big issue is for commission agents of Agricultural produce, Tax needs to be paid on commission in relation to taxable goods but where the product is NIL rated, and its commission won’t be taxable. Taxation of JDA for builders and Landlord is a burning issue. 10. Trans 1 issues: Trans 1 notice in Form 603 is now send by Department in large. This is going to create harassment to genuine tax payer, as all records which available with dept are again asked for. Further VAT credit as per revised returns needs to be allowed, a unnecessary harassment is done in such cases of Trans1 litigating it. Various High courts’ order has compelled to allow Trans1 uploading or credits were hardship to taxpayer had happened. This, trend is disturbing, Sue motto department should allow to correct errors or omissions. Arjuna: Krishna, What one should learn from this Dusharra? Krishna: Arjuna, Govt should help the taxpayer. These 10 Burning issues need to be resolved immediately and Raavana of GST needs to be burned out. GST law is simple, but the technical issues and mindset of officers needs to be take care off. In real life and tax laws, there will be always victory of truth over lie. Happy Dusharra to all.
2017 Motor Insurance Fundamentals |  Basic Terminology Of Motor Insurance
Definition of 'motor insurance' the economic times. Check premium coverage riders 8 nov 2012 health insurance firms to offer longer term products, combo plans life insurers have been permitted 'health january 16, 2017 medical basics deductible ira 7 hacks for cat india car fundamentals 101 primerica policy essentials terminology pdf training the personal provides complete auto including liability and that's why law in canada requires that you basic third party from allianz helps secure your motor vehicle investment. In car insurance terms, the word has a different meaning your auto policy may include six coverages. Glossary common car and insurance jargon explained allianz term glossary sector in india, indian industry, lic, irda ibef. In indian markets by early 2017, after receiving the approval from insurance compare best car quotes leading brands. The two components of automobile liability insurance are bodily injury basic reparations benefits 2017, investopedia, llc a car claim, by simple definition, is any request for payment under acceptable terms signed auto tags basics, claims compare best policies online from leading motor companies in india. The basics most states require drivers to have auto insurance but how do you know if you're getting the right type of learn these basic terms copyright, state farm mutual automobile company, 2017 watch video on full coverage and get answers all your questions! 'full coverage' doesn't actually exist there are lots options can made simple. Definition a motor insurance policy is mandatory issued by an it includes the insured's fundamental information like address, age, name, 20 aug 2015 next time you're buying or renewing your insurance, keep this simple glossary handy so you don't feel cheated played on 14 jun 2016 car learn claims, coverage, no claim bonus, premium calculated basis of idv vehicle, which jan 2010 sgupta topic accident and. Car insurance best car online policies in india. 2017 allstate insurance company, northbrook, il when people hear the word comprehensive, they might think all encompassing. What is comprehensive auto insurance? covered by a basic insurance policy? Vehicle types opted for in india policyx. Some of the major investments and developments in indian insurance sector. To help you this article presents key car and insurance terms clear up the jargon with simple definitions to complex coverage terms, in farmers glossary sector india is worth us$40. Motor vehicle which includes private cars motorised two wheelers and commercial vehicles excluding running on railsstock basics economics options automobile liability insurance only covers injuries or damages to third parties their property, not the driver driver's property. Basic principles of insurance in motor policies health basics 101 paseoner. Motor policy united india insurance company ltd automobile liability definition what do i need to know about car claims? . Each coverage is priced separatelybodily injury liability this applies to injuries that you, the 7 jan 2014 buy or renew your vehicle insurance online from top motor here a quick snapshot of types so you are aware basics and able help in providing detailed analysis terms conditions choose amongst best policies for home 2017 we cover. Third party liability auto insurance the personal. Wef's latest report has named india as the world's top ranked country in terms of life insurance density. Basics of motor insurance pptdemystifying car policies, types, and terms state farm what is full coverage auto insurance? Allstate. Motor insurance terms you must know before claim car glossary policybazaar. Coverage subject to terms, conditions and availability. Cheap car insurance guide find cheap quotes uswitch. Terms and this glossary of auto insurance terms from state farm can help you better understand your coverage. Find out car insurance the basics do you know fundamentals of insurance? Definition 'motor insurance' economic times.
Views: 117 IS LVR
Dog Bite Liability Insurance: FAQs
What does the Canine Liability policy cover? Includes injuries to people including scratches, bites, or causing them to fall; injuries to other animals is also included. Can I get coverage for my pit bull? We can insure your pit bull or any other breed that is labeled as “dangerous” or “viscous”. What limits are available in the policy? We have four (4) choices and we will quote them all: $25,000, $50,000, $100,000 and $300,000. What if I need a higher limit? We can provide limits up to $5,300,000; we achieve this by writing a primary policy for $300,000 and an umbrella policy from $1,000,000 to $5,000,000. How can I get a quote? Currently we need an application, which we can send by email, fax or post; it can be submitted by any of those methods. What deductibles options do you offer? Our policy has no deductibles. What options are available? The policy is all-inclusive and the only options are the date the policy is force and the limit you select. What if my dog has a behavior history of some type? Dogs with history of injuring a person, animal or simply involved in an incident will be considered. What if my landlord, property manager or governmental agency wants to be an additional insured? We can add multiple additional insureds for a small additional charge. How long is the policy in effect? We only write an annual policy. There are no additional or hidden charges during the year unless you choose to make changes to the policy and the quote you receive will be for 12 full months. Can I finance the premium? We are able to finance any policy that produces a pure premium, without fees or taxes, of at least $400 annually, which will be on your quote. What are the monthly payments? If we are able to finance the premium we need 25% of the annual premium, all fees and taxes as the down payment. The balance plus interest is divided into 6 monthly installments. What methods of payments do you accept? We will take debit or credit cards. We will also be able to accept money orders, cashier’s checks and checks, however, checks that do not clear will void the policy. What is an Admitted Company vs. an Excess Surplus Company? An Admitted Insurance company has had all rates, forms and underwriting approved by your state. The advantage is that if the company goes out of business claims should be covered by your states guaranty fund. What is an Excess and Surplus company? Often companies will sell policies on a Non Admitted basis, which means that if the company were to go out of business there would be no protection by the state guaranty fund. What is an Alien Insurance Company? This doesn’t refer to an insurance company from another planet. It refers to one that is incorporated under the laws of a foreign country, as opposed to a “foreign” insurance company which does business in states outside its state of domicile. Explain Diligent Effort Form or Surplus Lines disclosure statement. Because this coverage is new it has been brought to the market as a Surplus Lines policy through the Excess and Surplus Market. The primary difference in this and most policies is that if the insurance company were to go out of business there would not be coverage under your State Guaranty Fund. However, this policy is through one of the largest syndicates at Lloyd’s of London, which is one of the oldest if not the oldest insurance company in the world. To prove that you have been made aware of this, you may have to sign a form predetermined by your state. What happens if I cancel before the end of the year? The policy can be cancelled; if there are any additional insureds we have an obligation to notify them. The premium is returned according to your state law, however, no fees are ever returned. How do I cancel a policy? Give us a call to send you the paperwork necessary to cancel the policy. What happens if I forget to pay my installments? All installments are ACH and will be drawn directly from your account. If you are cancelled for nonpayment of premium we will return any premium that has been paid but not earned, meaning used up. The fees will not be refunded and we will not rewrite your coverage. http://www.dogbitequote.com/faqs/
What is TORT REFORM? What does TORT REFORM mean? TORT REFORM meaning, definition & explanation
What is TORT REFORM? What does TORT REFORM mean? TORT REFORM meaning - TORT REFORM definition - TORT REFORM explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Tort reform refers to proposed changes in the civil justice system that aim to reduce the ability of victims to bring tort litigation or to reduce damages they can receive. Tort actions are civil common law claims first created in the English commonwealth system as a non-legislative means for compensating wrongs and harm done by one party to another person, property or other protected interests (e.g. physical injury or reputation, under libel and slander laws). Tort reform advocates focus on personal injury common law rules in particular. In the United States, tort reform is a contentious political issue. US tort reform advocates propose, among other things, procedural limits on the ability to file claims, and capping the awards of damages. Supporters of the existing tort system, including consumer advocates, argue that reformers have misstated the existence of any real factual issue and criticize tort reform as disguised corporate welfare. In Commonwealth countries as well as U.S. states including Texas, Georgia, and California, the losing party must pay court costs of the opposing party. Some legal scholars propose to replace tort compensation with a social security framework that serves victims without respect to cause or fault. In 1972, New Zealand introduced the first universal no-fault insurance scheme for all accident victims, which provides benefit from the government-run Accident Compensation Corporation without respect to negligence. Its goal is to achieve equality of compensation, while reducing costs of litigation. In the 1970s, Australia and the United Kingdom drew up proposals for similar no-fault schemes but they were later abandoned.
Views: 3318 The Audiopedia
Di Rosa Lawyers Personal Injury Law Vodcast
http://www.dirosalawyers.com.au/personal-injury-lawyers.php If you are injured in an accident at work, on the road, or in a public place, you may be entitled to compensation. We have experience and expertise in all areas of accident compensation including: Motor Vehicle Accidents Slips and Falls (Public Liability) Workcover Medical Negligence Product Liability In some cases, we may act for you on a "no win, no fee" basis. Please be aware that time limits apply in accident compensation claims. With changes to insurance laws throughout Australia, making claims for accident compensation has become increasingly difficult. By seeking our advice you can rest assured that you will be informed about your full entitlements to compensation under the relevant law. Warning: strict time limits apply in these cases. Act now and let us act for you. Telephone us today for a FREE FIRST CONSULTATION. Unlike your injuries it won't hurt you to talk to us. For more information, go to our website www.dirosalawyers.com.au.
Views: 269 Dino Di Rosa
What NOT to do AFTER a Bridgeport Accident- Hastings, Cohan & Walsh- CT Personal Injury Lawyers
http://www.hcwlaw.com "What NOT to do AFTER a Bridgeport Accident- Hastings, Cohan & Walsh- CT Personal Injury Lawyers" Hastings, Cohan & Walsh LLP- Connecticut Personal Injury Lawyers/ CT Accident Attorneys and Injury Lawyers work on a contingency fee basis and provides free consultations.We believe in changing the way traditional personal injury law firms do business to better serve our clients. We think and act differently! The way we challenge the status quo is to give our clients FREE books, which we have written - full of practical advice and information - that can help them improve physically and dramatically increase the value of their case. We just happen to really care about our clients. Can we help you? If you've injured in some type of accident or you've been the victim of medical malpractice you have questions that need to be answered. So, before you hire a lawyer, speak to an insurance adjuster or sign any paperwork order a copy of our free book "The Crash Course on Personal Injury Claims in Connecticut." You will learn what to do first, what insurance adjusters don't want you to know, the do's and the don'ts, how to get better medical care, how to get better quickly and how you can help your attorneys get more money for your case. The insurance company has a team of professionals working for them trying to determine how to pay you the least amount of money possible. Shouldn't you have someone working to protect your interests? Don't delay order the book today! We are happy to review any Connecticut case for matters involving Personal Injury or Medical Malpractice.We will review the following types of cases: All Accidents & Personal Injury Cases Car Accidents Automobile Accidents Truck Accidents Motorcycle Accidents Drunk Driver Accidents Dram Shop Cases Reckless Driving Accidents Teen Driver Accidents Distracted Driver Accidents Construction Site Injuries Slip & Fall Cases Sports Injuries All types of Child Injury Accidents Whiplash Broken Bones Spinal Cord Injuries Head Injuries Traumatic Brain Injuries Wrongful Death Case Dog Bites & Animal Attacks Police Misconduct Sexual Assault Mass Accidents Airplanes Buildings Mass Transit - Bus, Train, Subway Ships & Boats Medical Malpractice Anesthesia Malpractice Birth Injuries and Defects Cosmetic Surgery Dental Malpractice Elder and Nursing Home Abuse Emergency Room Errors HMO Managed Case Lasik Eye Surgery Medication Malpractice Nursing Home Negligence Optometry Malpractice Prescription/Drug Malpractice Psychiatric Malpractice Spinal Cord Injury Surgical Errors Wrong Diagnosis or Misdiagnosis Hospital Malpractice Personal Injury Mediation/Alternative Dispute Resolution (ADR) Product Liability Design Defects Manufacturing Defects Professional Malpractice Legal Malpractice Serious/Catastrophic Injuries Amputation Birth Injury Burn Injury Head/Brain Injury Paralysis Toxic Tort Dangerous Drugs & Products Medical Products & Devices
Online Arbitrage Tutorial [Finding Products that WILL MAKE 5-10K a Month]
Today I'm going to run you through a full online arbitrage tutorial. I'll show you a website I use to source products for online arbitrage to find products I resell back on Amazon FBA for 5-10K EVERY SINGLE MONTH. I am not special. You can do this too. It's easy to make $5,000-$10,000 a month right from your computer (or anywhere you want) with this Online Arbitrage reselling method. ANYONE can do this! I can help you with the 99% of the steps along this Online Arbitrage process...but you have to take that first one. Because... The one problem everyone faces is CASHFLOW. Whether you need IMMEDIATE MONEY or you want some cash to reinvest back into other Businesses, Online Arbitrage Pro is YOUR ANSWER. It's time the internet started to WORK FOR YOU. This Entire Business can be setup & ran for about 2 HOURS a WEEK. It's about 90% hands off & 90% Passive. Oh, and the best part...you can do all of this from the COMFORT of YOUR own home...or wherever you'd prefer. Online Arbitrage Pro Course: https://www.bgmediainnovation.com/product-page/online-arbitrage-pro _____________________________________________________ FREE Drop Shipping Course: https://www.bgmediainnovation.com/free-course Book a Consulting Session: https://www.bgmediainnovation.com/consulting Arbitrage Playlist: https://www.youtube.com/watch?v=_zZXSEJXOUI&list=PLdcJAP-O6PReheiP9hHZ1WODeGjLDlgWW ___________________________ 🤑*Support the Channel by Buying a Product I Recommend & Use through an Affiliate Link* • Blue Snowball Microphone: https://amzn.to/2DanSM0 • Lumix G7 Camera & Content Creator Bundle: https://amzn.to/2Dbk6lT • Lighting & Studio Starter Kit: https://amzn.to/2D9h6pP • White Board: https://amzn.to/2ALnaU9 • Mini White Board: https://amzn.to/2MedWnW 📚*Top 10 Business/Success Books I Recommend* • Outwitting the Devil by Napoleon Hill: https://amzn.to/2RNoYWi • Three Feet from Gold by Sharon Lechter: https://amzn.to/2ANYA4T • Relentless by Tim Grover: https://amzn.to/2srhzh9 • The 10 Pillars of Wealth by Alex Becker: https://amzn.to/2M801jd • Man Up by Bedros Keulian: https://amzn.to/2MbJPxh • The 10X Rule by Grant Cardone: https://amzn.to/2FxTqgD • Rich Dad Poor Dad by Robert Kiyosaki: https://amzn.to/2M8YadY • How to Win Friends & Influence People by Dale Carnegie: https://amzn.to/2Ck8kE1 • Psycho Cybernetics by Maxwell Maltz: https://amzn.to/2DawLW0 • The Compound Effect by Darren Hardy: https://amzn.to/2CqGINo ___________________________ 🤝*Let's Connect on Social Media* Facebook: https://www.facebook.com/bryanguerratv Instagram: https://www.instagram.com/bryangguerra Twitter: https://twitter.com/bryanguerratv
Views: 1514 Bryan Guerra
Livingston LA Personal Injury Attorney | 225-888-8888 | Personal Injury Attorney in Livingston
Livingston LA Personal Injury Attorney | Personal Injury Attorney in Livingston Making a personal injury claim after being injured in an accident that was caused by another person's recklessness or negligent actions can be a complex process. Building a successful legal case against the responsible party requires expertise in this area of the law. For this reason, it is important to engage the assistance of an attorney in Livingston, Louisiana to help you. The team at Gordon McKernan Injury Attorneys understands what you are going through and are here to guide you through your recovery and get you a fair settlement. Tort laws are civil wrong doings that result in injury or harm and are recognized by the legal system as grounds for a claim by the injured party. The main purpose of tort laws is to recover monetary damages for the victim, such as current and future loss of earnings, medical costs, and pain and suffering. Negligence is the most common basis for a personal injury case. Car accidents and workers comp, slip and fall injuries, and medical malpractice are the cases seen most often. If a driver fails to use reasonable care and that causes an automobile accident in which you are injured, the law says you have a right to recoup losses for that driver’s negligent actions. Claims based on strict liability involve manufacturers who are held liable for injuries resulting from defective products. In the case of product liability claims, the manufacturer is found to have designed or produced the product in a manner that made it unreasonably dangerous when used as intended. Personal injury laws are different in every state and the issues surrounding them can be complex. When you have been injured in an accident, and you feel it was the result of another party’s reckless conduct or carelessness, it is vital to get the help of a personal injury lawyer who can make sure that your legal rights are respected. Insurance companies will very often try to avoid paying victims or deny responsibility for an accident. Insurance companies are very often looking out for their own financial interests and not your wellbeing. If you try to take on your claim without the assistance of an expert, the insurance companies could take advantage of your lack of knowledge about the compensation that is legally owed to you. Livingston LA Personal Injury Attorney | 225-888-8888 | Personal Injury Attorney in Livingston With more than 25 years of experience fighting for the rights of accident victims, the Louisiana law firm of Gordon McKernan Injury Attorneys has the knowledge and skills to stand up to the insurance companies to make sure you recover the compensation you deserve. We understand that not everyone has the resources to afford a lawyer, that is why we provide our legal services on a contingency basis. This means that you won't pay us a dime unless we win your case for you. Call us at 225-888-8888 for a free evaluation of your accident or learn more at http://www.getgordon.com/contact-livingston/. Our Denham Springs law office serves residents from across the Livingston area including these zip codes: 70706, 70785, 70744, 70462, 70449, 70754 Gordon McKernan Injury Attorneys – Livingston LA Personal Injury Attorney 1234 Del Este Ave Suite 501 Denham Springs, LA 70726 https://goo.gl/maps/9hwRZJdQkCS2 Phone: 225-888-8888 personal injury lawyers personal injury compensation personal injury lawsuit personal injury law firm https://youtu.be/PzujQ17gGcU Livingston LA Personal Injury Attorney | 225-888-8888 | Personal Injury Attorney in Livingston
#1 Goal of an Insurance Adjuster - Connecticut Personal Injury & Accident Lawyer
http://www.hcwlaw.com "#1 Goal of an Insurance Adjuster - Connecticut Personal Injury & Accident Lawyer " Hastings, Cohan & Walsh LLP- Connecticut Personal Injury Lawyers/ CT Accident Attorneys and Injury Lawyers,work on a contingency fee basis and provides free consultations.We believe in changing the way traditional personal injury law firms do business to better serve our clients. We think and act differently! The way we challenge the status quo is to give our clients FREE books, which we have written - full of practical advice and information - that can help them improve physically and dramatically increase the value of their case. We just happen to really care about our clients. Can we help you? We are happy to review any Connecticut case for matters involving Personal Injury or Medical Malpractice. We will review the following types of cases: All Accidents & Personal Injury Cases - Automobile Related Accidents *Car Accidents *Truck Accidents *Motorcycle Accidents *Drunk Driver Accidents *Dram Shop Cases *Reckless Driving Accidents *Teen Driver Accidents *Hit and Run Accidents *Bicycle Accidents *Pedestrian Accidents *Distracted Driver Accidents - Negligence Cases *Construction Site Injuries *Slip & Fall Cases *Sports Injuries *Defective Products *Lead Paint Poisoning *Recreational Injuries - All types of Child Injury Accidents *Whiplash *Broken Bones *Spinal Cord Injuries *Head Injuries *Traumatic Brain Injuries *Wrongful Death Case *Dog Bites & Animal Attacks *Police Misconduct *Sexual Assault - Mass Accidents *Airplanes *Buildings *Mass Transit - Bus, Train, Subway *Ships & Boats - Medical Malpractice *Anesthesia Malpractice *Birth Injuries and Defects *Cosmetic Surgery *Dental Malpractice *Elder and Nursing Home Abuse *Emergency Room Errors *HMO Managed Case *Lasik Eye Surgery *Medication Malpractice *Nursing Home Negligence *Optometry Malpractice *Prescription/Drug Malpractice *Psychiatric Malpractice *Spinal Cord Injury *Surgical Errors *Wrong Diagnosis or Misdiagnosis *Hospital Malpractice Personal Injury Mediation/Alternative Dispute Resolution (ADR) Product Liability Design Defects Manufacturing Defects Professional Malpractice Legal Malpractice Serious/Catastrophic Injuries Amputation Birth Injury Burn Injury Head/Brain Injury Paralysis Toxic Tort Dangerous Drugs & Products Medical Products & Devices
What is Research & Development tax relief?
A short introduction to research and development (R&D) tax relief. HMRC is the UK’s tax, payments and customs authority. We collect the money that pays for the UK’s public services and help families and individuals with targeted financial support. Follow HMRC on social media: • Twitter: https://twitter.com/HMRCgovuk/ • Facebook: https://www.facebook.com/HMRC/ • LinkedIn: https://www.linkedin.com/company/hm-revenue-&-customs For help with general queries relating to any of HMRC’s products and services, talk to us on: • Twitter: https://twitter.com/HMRCcustomers/ • Facebook: https://www.facebook.com/HMRC/ Sign up for your Personal Tax Account. Join the millions of customers already using their online account to check and update their records and see their state pension details. It takes just 5 minutes at https://www.gov.uk/personal-tax-account
Views: 6757 HMRCgovuk
Tranformation is Possible Now! Get a Free Gift!
SUBSCRIBE!! SUBSCRIBE!! SUBSCRIBE!! LIKE SUBSCRIBE SHARE To get more free healings as hey are uploaded. 1 Free healing mp3 for everyone who has not had a healing with me in the past. Limited time offer Ends December 25, 2015 12 AM PST. My goal is to get 10,000 free healings to 10,000 people. Get free healings right now by going to my page and listening to the ones posted. SUBSCRIBE To get more free healings downloaded. Once I hit 5000 Subscribers I will download three new free Healings! FACEBOOK: https://www.facebook.com/groups/ActivateCosmos STORE: http://store.payloadz.com/results/265112-love-you-guru-consultations-by-adrien-blackwell ADRIEN BLACKWELL ASCENSION CODES Disclaimer and Release Your use of the Belinda Bentley and Adrien Blackwell (“BB&AB)” websites and any service and/or product obtained through the BB&AB websites is at your own risk and provided to you on an “as is” basis. By purchasing any product or service through the websites, including free and gifted services received, you signify your agreement to be bound by these terms and the terms of use set forth in greater detail at www.loveandyou.guru and incorporated herein by reference. Except in the case of gross negligence or malpractice, you or your representative, hereby agree to fully release and hold harmless Belinda Bentley and Adrien Blackwell (“BB&AB”) from and against any and all claims or liability of whatever kind or nature arising out of or in connection with your session(s). You must be 18 years or older to receive a reading and to make a purchase. All psychic readings and associated services are for entertainment purposes only and should never be taken as advice. Readings and healings obtained from this website are not a substitute for legal, financial, medical, or psychiatric advice or care from a certified professional. Please seek the advice of a trained Medical Doctor about any health concerns. Prior results that you may be made aware of do not guarantee a comparable outcome. Any decision you make because of a reading you do so of your own free will and you understand and acknowledge that readings are subject to your interpretation. You release BB&AB of any and all liability resulting from use or misuse of information obtained from BB&AB for any reason. All downloads and recordings are provided to you based on your agreement not to reproduce or share them publicly for any reason. Failure to adhere to these terms may result in legal action to enforce these terms and our intellectual property rights. You are solely responsible for your use of downloaded audio records and similar products. DO NOT USE AUDIO RECORDINGS/DOWNLOADS (also called Ascension Codes or healing recordings) WHILE DRIVING OR OPERATING HEAVING MACHINERY. BB&AB makes no guarantee regarding the outcome of any prediction or results of any psychic or spiritual consultation or any healing service obtained through the BB&AB websites. No Refunds will be issued regardless of outcome. All sales are final unless stated otherwise on the website and any such refund shall be solely at BB&AB’s discretion. STATEMENT OF CONFIDENTIALITY: This communication is intended only for the use of the person to whom it is addressed, and may contain information that is privileged, confidential and exempt from disclosure under applicable law. If you are not the intended recipient, any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please notify me immediately by reply electronic mail and delete or otherwise destroy the original communication.
Views: 989 Ascension Channel
Jetivia SA and another v Bilta (UK) Limited and others
[2015] UKSC 23 UKSC 2013/0206 Jetivia SA and another (Appellants) v Bilta (UK) Limited and others (Respondents) On appeal from the Court of Appeal (Civil Division) (England and Wales) This appeal considered whether a company's participation in a fraudulent conspiracy leading to that company's insolvency prevents the company bringing a claim against the other conspirators on the ground of ex turpi causa. The Respondent Bilta is an English company. Its only directors were Mr Nazir and Mr Chopra, and the latter was the sole shareholder. Jetivia SA is a company incorporated in Switzerland and Urs Brunschweiler is its French-domiciled director. Between 22 April and 21 July 2009 Bilta traded in carbon credits, purchasing credits from traders (including Jetivia) located outside the UK, zero rated for VAT purposes, and selling to UK based VAT registered traders, standard rated for VAT. Bilta made no profit on the transactions and, as it either did not receive or did not retain the sale proceeds, was unable to pay the VAT due. In September 2009 Bilta entered liquidation owing over £38m to HMRC. Its liquidators started proceedings against Jetivia, Mr Brunschweiler, Mr Nazir and Mr Chopra for conspiracy, dishonest assistance, and fraudulent trading. The Appellants applied for the claims to be struck out or summarily dismissed on the grounds that they were either a) precluded by ex turpi causa, or b) bound to fail because s. 213 of the 1986 Act does not have extraterritorial effect. This application was dismissed at first instance and on appeal. The Supreme Court unanimously dismisses the appeal both in relation to the illegality defence and in relation to section 213. On the first ground, the Court unanimously holds that the illegality defence cannot bar Bilta's claims against the appellants on the basis that the conduct of the directors cannot be attributed to the company in the context of a claim against the directors for a breach of their duties. On the second ground, the Supreme Court holds that section 213 of the Insolvency Act 1986 has extra-territorial effect, and therefore can be invoked against the appellants.
Views: 1320 UKSupremeCourt
What are the Most Common Reasons Doctors Get Sued?
Physicians and other healthcare professionals are no stranger to malpractice claims. Even if they have not been a victim of these types of lawsuits, yet, they likely know someone who has been. Unfortunately in today’s litigious society, medical malpractice claims are not as rare as they once were. The only 100% fool-proof way for doctors in the greater Miami area to protect themselves financially from these suits is with Malpractice Insurance Aventura FL. However, understanding the most common reasons doctors face these lawsuits could help you to reduce your risks. For example, many experts in the healthcare industry feel that the root cause of medical malpractice claims is poor communication. In fact, according to an article published by PubMed Central (PMC), many studies have found that there is a breakdown in the patient-physician relationship, most often manifested as unsatisfactory patient-physician communication. Whether poor communication is the basis of malpractice claims or not, the 4 top reasons for medical malpractice lawsuits, according to multiple healthcare articles, seem to be: Misdiagnosis: Patients who do not have a “textbook” example of symptoms are more likely to be misdiagnosed than a patient with those symptoms. Unfortunately, misdiagnoses often happen with serious conditions, such as infections, tumors or masses, heart attack, blood clot in the lung, and heart disease. Negligence: Even if no mistake was made, doctors often find themselves facing a claim of negligence, especially in cases that involve pregnancy complications. Emotional parents are often the plaintiffs in cases that involve premature births, preeclampsia, excessive bleeding, excessively long labor, and more, due to the fact that they are looking for someone to hold responsible. Prescription Drug Mistakes: With patients going to many different specialists, as well as different pharmacists, prescription mix-ups do happen. It’s surprisingly easy to administer the wrong amount of medication, or a medication that will have adverse reactions with something else the patient is taking. Surgical Errors: Mistakes of this nature could include damaging a nerve, failing to control bleeding, leaving a foreign body (such as a medical sponge) inside the patient, and more. Statistics show that the most common locations for surgical mistakes are the gastrointestinal tract and the spine. At iSure Insurance Brokers, we understand the risks faced by those who work in the healthcare field. This is why we offer comprehensive insurance programs that address the exposures professionals face, not only in the healthcare industry but in other Professional Service areas as well. Please contact us today for more information about our products and services at (855) 381- 6123. http://www.isurebrokers.com/aventura/most-common-reasons-doctors-get-sued/
Understanding Health Savings Accounts (HSAs)
This video will give the viewer a basic, working knowledge of how HSAs work, and further how they might be positioned as part of one's health insurance benefits strategy. For more information, call 847-669-4800, or visit http://benico.com/learningcenter/understanding-hsas. Understanding Health Savings Accounts (HSAs) HSA is an acronym for health savings account. To be clear HSAs are accounts not insurance. Under the Internal Revenue Code one may set up such an account if coverage in a qualified high-deductible health plan is in effect. In other words, having a certain kind of insurance plan is what enables someone to be able to set up and contribute to the HSA account. Triple Tax Advantaged An HSA is triple tax-advantaged. Money going into the account is either above the line deducted on one's income tax return, or contributed pre-tax through payroll. That's the first advantage. The second advantage is that it grows, tax-free, while held in the account. And finally, it avoids taxation when distributions are made for qualified medical expenses. The list of the expense deemed to be qualified is found in IRS publication 502. HSA Contribution Limits In 2015, anyone under the age of 65 with self-only coverage under an HSA-qualified plan may fund up to $3,350 into their account, and those with family coverage up to $6,650. Anyone who is 55 or older may make an annual catch-up contribution of $1,000, in addition to these limits. All these limits are subject indexing annually because inflation. Employer Contributions Employers may make tax-free contributions to employee’s HSAs. Any such contributions are subject to the overall account contribution limits mentioned above. In other words, any combination of employer and employee funding of one’s account may not exceed these overall limits. It’s Your Money All monies contributed to HSAs, whether such contributions are made by one’s employer or by the account holder, are from day one owned by the person holding the account. Therefore there's no vesting schedule like there would be with employer contributions that are made to a qualified retirement plan. Use It or Save It Underage HSA rules one may either used the account or save it. In other words, there is no requirement with HSAs like there is with health care Flexible Spending Accounts (FSAs) to spend the account prior to the end of the plan year, or forfeit the remaining balance. With an FSA that is referred to as, “use it or lose it”. With HSAs, one may only spend what is in the account. Conversely, the health care FSAs have a pre-funded account rule that requires one’s employer to fund eligible claims up front, up to the employee’s annual deferral election, even if the money is not in the account to be able to fund the claim. Before and After Age 65 If funds are withdrawn under the age of 65 for any reason other than qualified medical expenses, there is a 20 percent non-deductible tax penalty in addition to the entire distribution being subject to income taxes. This penalty is waived in the event of one’s death or disability. Once someone turns 65, the account may be used to generate income that’s taxed at ordinary tax rates, without a penalty, or continue to be used to tax-free reimburse or pay for medical expenses, long-term care expenses, Medicare Part B premiums, premiums on Medicare Advantage plans (but not on Medicare Supplements), Medicare Part D prescription drug plans and long-term care premiums. It is important to note that there are no requirements to start withdrawing funds at the age of 70.5 like those that are required under an IRA. Transfer HSA Finally, HSA ownership may be transferred to an individual spouse upon death, on a tax-free basis. If you have further questions about HSAs or would like to consult with an Employee Benefits professional about how to incorporate them into your company's overall benefits financing strategy, please contact us.
Views: 2439 benicoltd
Home Health Care Insurance
The growth of the home health care industry over the last several years is due to a number of factors, including the desire of seniors to receive medical care in the comfort of their home coupled with the growing elderly population in the U.S. In fact, receiving health care at home represents a lifeline for millions of Americans, especially for the aging and chronically ill, who are looking for support and health care services throughout their continuum of life. Professional staff delivers home health care routinely, helping patients and their families manage preventive care as well as chronic conditions such as diabetes and cardiac care, managing wounds and prescription medications, and administering essential therapies. In the course of providing their services, home health care agencies face unique and complex exposures. At Manchester Specialty, we specialize in insuring the home health care industry and offer a comprehensive program exclusively designed for this segment. Our program includes: Professional Liability, Workers’ Compensation, General Liability/Package Policy, Non-Owned and Hired Auto, Directors’ & Officers’ Liability (D&O), Employment Practices Liability Insurance (EPLI) and Regulatory Audit (RAC) Insurance Coverage. With Manchester Specialty’s Home Health Care Program, we offer our brokers and their clients/insureds several key benefits: - National Program available in all 50 states and DC - 25+ Years of Extensive Expertise in the Home Health Care Sector - Coverage Available on an Occurrence or Claims Made Form; Admitted or Non-Admitted Basis - An All-Lines Integrated Program with a Select Group of Top-Tier Carriers - Flexible Coverages and Forms Tailored to the Home Health Care Exposure - Easy Installment Payment Options Our commitment to insuring the home health care industry is for the long-term. We began addressing the special insurance needs of this vital sector more than two decades ago, and will continue to do so as the different organizations that make up the industry face new and evolving challenges. Our underwriting and product development staff is dedicated to keeping ahead of how regulatory and other delivery of care changes pose new risks, and to developing and enhancing insurance coverage with our carriers to respond to these exposures. We offer an all-lines solution with customized coverage for home health care agencies from select top-tier insurance companies. You also get the benefit of our underwriting expertise and integrity, and the ability to “cross-underwrite” exposures – key in the home health care industry which provides a number of different services. In addition, we offer easy payment options with no finance charges, which is vital to these organizations and their budgetary concerns. http://www.manchesterspecialty.com/programs/home-health-care-providers/
Dry Cleaners Insurance: Clothing Care Labeling
As we discussed in an earlier blog post, entitled “Controlling Drycleaners Insurance Loss Due to Clothing Damage”, one of the most common legal disputes that small claims courts face in regards to dry cleaning is legal issues due to clothing damage. As we stated in the earlier blog, accidents do happen and clothing damage will occur on occasion. In addition to being prepared with the right insurance policy though, how can dry cleaner insurance risks be reduced? As stated in a Drycleaning & Laundry Institute article, most clothing products that are sold in the U.S. are required by the Federal Trade Commission to have a care instruction label permanently attached. For clothing products covered under the care labeling rule, instructions must serve 3 functions: 1. They must give a regular care procedure “necessary for the ordinary use and enjoyment of the product.” 2. They need to warn when any part of the specified care procedure, which a consumer or professional cleaner could reasonably be expected to use, would harm the product or other items being cleaned with it. 3. They must warn of a product cannot be cleaned by any method without being harmed. It is of course vital for dry cleaning professionals to read the care labeling instructions on any clothing item, so that they make sure they are following the proper instructions or are able to make a recommendation to the customer if dry cleaning is not the right option for their item of clothing. It’s also important to note if the customer has removed the care labeling instructions, as the absence of a permanent care label on a product automatically returns the product to its implied serviceability status based on the fabric. Dry cleaner insurance risks rise when either the care instructions have not be appropriately followed by the dry cleaner, or when the customer claims there has been clothing damage despite the dry cleaner following the care labeling instructions. Either of these situations can result in a legal claim. However, if all care labeling instructions have been followed by the dry cleaner and damage has still occurred, it may be more appropriate for the consumer to pursue litigation against the clothing manufacturer, rather than the dry cleaner. At Irving Weber Associates, Inc. (IWA), we offer the FabriCare Advantage insurance program, which provides coverage for a broad range of operations, from mom-and-pop drycleaners to large uniform rental accounts. In addition to policies such as General Liability, Workers’ Compensation, etc., IWA features important customized coverages, such as protecting customer goods on an unlimited basis. Please contact us today for more information at (855) 764-7406. http://www.iwains.com/dry-cleaner-insurance-risks-care-labeling/
Legal landscape of autonomous vehicles: US and Germany | Technology and innovation | United States
S P E A K E R S Johannes K. Gabel, Partner, Norton Rose Fulbright US LLP Steven D. Jansma, Head of Products, Pharma, Medical and Mass Tort, Norton Rose Fulbright US LLP Paul Keller, Partner, Norton Rose Fulbright US LLP Cristina K. Lunders, Senior Associate, Norton Rose Fulbright US LLP Boris Segalis, Partner, Norton Rose Fulbright US LLP P R E S E N T A T I O N http://ow.ly/cPwR305DsGM On nearly a daily basis there is news about a development in the area of autonomous cars demonstrating that the future is here. Players in the space are launching pilot programs all around the country, and the world, to test their vehicles and learn from their customers' experiences in the hopes of offering these high-tech devices to the masses soon. New regulations are being proposed, new technology is being applied, and new corporate relationships are being developed. And all the while, new questions are being asked about who is responsible if something goes wrong. Our thought leaders and authors of our highly popular and informative Autonomous Vehicles Whitepaper will be covering the impact of autonomous vehicles as they relate to the following areas: - regulation - product liability - cyber security - intellectual property - corporate/M&A - the German legal landscape *If you are viewing a recording of this web seminar, most state bar organizations will only allow you to claim self-study CLE credit. Please refer to your state's CLE rules. If you have any questions regarding CLE approval of this course in your applicable bar, please contact your bar administrator.
Desert Hot Springs Injury Lawyer (760)968-0280
http://palmspringspersonalinjuryattorneys.com PERSONAL INJURY ATTORNEYS If you or a family member has really been harmed in a crash throughout Palm Springs or surrounding location because of the oversight or misbehavior of a specific, a knowledgeable & seasoned car accident attorney can be of excellent aid to you.   Many individuals are afraid that the the fees of a legal representative will out evaluate just what they will be getting nevertheless, results program that homeowner who use an Attorney get 3 times the amount of cash after fees as well as solutions that somebody without an attorney obtains.   Our firm manage all personal injury instances on a data backup charge basis making certain that you do not pay any kind of claims or a cost supports unless, or till, your instance is dealt with from court or won in the court.  PERSONAL INJURY ATTORNEY SERVICES OFFERED  PERSONAL INJURY AUTO ACCIDENT ATRONEY Negligently caused automobile crashes compose numerous terrible injuries and deaths every year, as well as the form of injuries that a target might sustain have the prospective to trigger life-long specials needs and/or lasting mental injury. CATASROPHIC INJURY ATTORNEY An accident that resulted in the sustainment of major injuries that will certainly permanently influence your capability to live easily and also to the degree you did before the accident are classified as devastating. Catastrophic injuries are those that significantly affect your capacity to actually rejoice as well as real-time pleasantly.  CONSTRUCTION INJURY ATTORNEY Construction is unquestionably one of among the most harmful areas of task that already exists. The opportunity for injury is rather significant, specifically when heavy machinery, fatal elevations, as well as direct exposure to the elements are included. A great deal of the moment, however, debilitating crashes may have been protected against. FAUTLY PRODUCT INJURY ATTORNEY Defective items are a severe product liability as well as might activate harmful injury-- specifically if the product is a pharmaceutical medicine, professional device, or hazardous plaything. When taking advantage of the item as directed, a personal injury claim could be made if any kind of kind of damage was sustained. DOG BITE INJURY ATTORNEY The proprietor is right away answerable for the injuries you have really received if you are bitten by a pet. Even if carelessness was not an element, they could still be held accountable under the rule, as serious family pet attacks could cause long-term disfigurement and/or scarring. MEDICAL MALPRACTICE ATTORNEY  Professional negligence integrates any type of type of negligent therapy or therapy on the part of a healthcare company which led to the damage or fatality of an individual. Any sort of sort of doctor can be subjected to injury situations of scientific malpractice.  Call Today For Your Free Consultation (760) 968-0280.
Views: 0 Robert Brookings
The Truth About Workers Comp and Personal Injury | Kansas City | MO | KS | Legal Assistance
http://www.mayerrosenberg.com We Can Help! Call Toll Free (877) 937-2377 Advice On How To Find The Right Lawyer and/or Attorney For Accident Case Legal Help. If you have been injured and are not getting the insurance companies to understand that you need help, call us. We can and will help you in anyway we can. If for some reason you need more services than we provide at the very lease we will help to guide you in the right direction to get you the help you need. How To Find The Right Attorney For Your Legal Concerns: Call 816-545-9350 or 913-800-4550 For More Information About KANSAS CITY PERSONAL INJURY ATTORNEYS Professional Service and Personal Attention When a catastrophic injury or wrongful death occurs, no one can reverse the damage that has been done. However, an experienced personal injury lawyer can help you take care of the legal and financial issues that remain. We can make sure you and your family has the financial compensation you need to pay the bills and move forward. Mayer & Rosenberg, P.C., provides knowledgeable, compassionate representation to individuals and families in Missouri and Kansas. Our attorneys work diligently to develop a strategy for each unique case. Then we pursue the claim through negotiations and, when necessary, litigation. We are dedicated to being our clients' advocates in the legal system through claims ranging from workers' compensation to serious injuries to nursing home negligence. For a free consultation with our Kansas City personal injury lawyers, please call 816-545-9350 or contact us online. You Have Rights After an Injury Our attorneys have extensive experience with all types of car accidents and pedestrian and bike accidents, including those involving drunk or distracted drivers, uninsured motorists and dangerous rollovers. We also handle wrongful death suits, representing families of people killed in fatal trucking accidents and fatal motorcycle accidents. The firm handles workers' compensation in Kansas and Missouri. We represent people who work in farming and construction, as well as many other industries. Was your work injury caused by a negligent third party? We may be able to collect additional damages. We also represent people injured by defective products in the home and at work. On commercial property, defects in elevators and escalators cause thousands of injuries yearly. We understand the serious nature of catastrophic injuries, such as burns, head and brain injuries, and spinal cord injuries. Our lawyers and staff will treat you and your family with respect and care as we work to obtain compensation for you. Please call 816-545-9350 to schedule an appointment with an Overland Park motor vehicle accident attorney. Our office is conveniently located off of I-435 and has ample free parking. Personal injury and workers' compensation cases are taken on a contingency fee basis. If we accept your case, there is no fee unless we recover damages for you. http://youtu.be/cfHj0BkLoCw Web-Advertising-Solutions.com Wes Harrison

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