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: 3893 David Walsh
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
Product Liability From A Litigating Engineer’s Perspective
Product Liability From A Litigating Engineer’s Perspective. Today’s subrogation professional faces a myriad of potential products liability claims, from property damage due to faulty water supply lines to worker’s compensation claims due to injuries from inadequately guarded or defective equipment. Learn product liability law from an experienced litigation lawyer, who also is a mechanical engineer with practical experience. Updates in product liability law are examined and developments in current product liability litigation are discussed. Cheaper and faster do not always mean better and trends in product design for some of the most common causes of loss are explored. This presentation should appeal to all subrogation professionals, in any stage of their career, from the adjuster just learning the ropes to the seasoned subrogation specialist. Presented by Aaron Plamann, Matthiesen, Wickert & Lehrer, S.C. on March 6, 2014. For additional subrogating training resources and tools, please visit the best subrogation learning center in the country - the MWL Website. Our webinars, subrogation charts, subrogation laws by state, subrogation books, and newsletters have made our website the country’s most-utilized subrogation and training resource. We believe that education is the key to successful subrogating. Knowing what you are doing when it comes to subrogation means the difference between successful recoveries and no recoveries at all. MWL Website: https://www.mwl-law.com/ MWL Webinars: https://www.mwl-law.com/webinars/ MWL Subrogation Charts: https://www.mwl-law.com/subrogation-charts/ MWL Subrogation Laws By State Feature: https://www.mwl-law.com/subrogation-laws-in-all-50-states/ MWL Published Books: https://www.mwl-law.com/published-books/ Subscribe to MWL Subrogation Newsletter: https://www.mwl-law.com/subscribe-to-newsletter/ REFER A SUBROGATION FILE TO MWL: https://www.mwl-law.com/refer-a-file/ Follow MWL on LinkedIn - https://www.linkedin.com/company/matthiesen-wickert-&-lehrer-s-c-/ Like MWL on Facebook - https://www.facebook.com/mwl.law Follow MWL on Twitter - https://twitter.com/MWLSubro Follow MWL on YouTube - https://www.youtube.com/channel/UCFhNXAOOksoD1lzRPS437PQ
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: 222 Errors Omissions
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
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: 893 ehowfinance
Directors & Officers Insurance
Directors & Officers (D&O) insurance provides liability coverage for managers and executives at companies to protect them against claims as a result of decisions and actions they take within the scope of their duties. A D&O policy can cover the personal liability of company directors and officers as individuals, reimburse the company in the event it has to pay the claim of a third party on behalf of its managers in order to protect them, and the organization itself for a wrongful action. While major publicly traded firms have the highest risk of attracting D&O claims, all types and size of companies – private, non-profit and public – have potential D&O exposures. What Does a D&O Policy Cover? A D&O policy will pay for defense costs and financial losses related to wrongful acts committed by directors and officers in the course of performing their duties. Common D&O risks include employment practices and HR issues, shareholder actions, reporting errors, inaccurate or inadequate disclosure (for example, of company accounts), misrepresentation in a prospectus, decisions exceeding the authority granted to a company officer, and failure to comply with regulations or laws. D&O insurance does not cover fraudulent, criminal or intentional non-compliant acts. When Is Coverage Triggered? D&O insurance is written on a claims-made basis. Claims are only covered if they are made while the policy is in effect or within a contractually agreed extended reporting period. A retroactive period is typically agreed upon as well to cover claims for wrongful acts that took place prior to policy inception. When Should the Carrier Be Notified of a Claim? Insureds under a D&O policy are typically required to give notice to the insurance company of a claim as soon as practicable. In order to eliminate the risk of inadvertent delays in reporting a claim, the policy could require notice of a claim only after either the company’s in-house general counsel or risk manager first learns of the claim. How Are Premiums Calculated? D&O insurance premiums are determined based on the estimated claims frequency and severity in addition to the size of the company. Common risk factors affecting pricing include: - Domicile and international activity - Claims record - Industry sector - Stock exchange listing - Market capitalization - M&A activity - Professional experience of management This is just a brief overview of the workings of directors and officers insurance. Axis Insurance Services specializes in D&O coverage and can review your policy with you to determine if you are properly insured. Give our professionals a call at (877) 787-5258. http://www.errors-omissions.com/2015/10/directors-officers-insurance-anatomy/
Views: 77 Errors Omissions
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
Contractor Pollution Liability Insurance
Contractor’s Pollution Liability insurance (CPL) for environmental consultants and remedial contractors provides protection to a firm for third-party pollution claims (bodily injury, property damage) and clean up costs arising out of the contractor and contractor’s subcontractor operations. In addition to the “base” coverage for job site activities, CPL offers the ability to cover the transportation of waste and materials to and from non-owned disposal facilities, an insured’s legal liability at those disposal facilities, as well as some level of coverage for the insured’s owned/leased locations. Contractors today can also include emergency response cost coverage, which covers the costs incurred by an insured to prevent further damage, while reducing the likelihood of third-party claims. Policies can be offered on a project or blanket program basis. Project policies provide coverage for all operations performed by the insured during the construction period and can include “tail” coverage (extended reporting period or ERP for claims-made policies and completed operations for occurrence policies) to address the statutes of repose in many states or other contractual requirements. A blanket program provides coverage on a yearly basis for all defined covered operations taking place during the policy term. Today many environmental consultants and remedial contractors turn to CPL coverage as basic asset protection, securing the insurance required for large or even catastrophic loss scenarios at a reasonable premium. There are also contractual requirements to carry such coverage from owners, risk managers, government agencies and lenders that drive the purchase of CPL insurance. In addition, having CPL insurance to provide for the defense costs alone may save a company involved in an environmental claim from financial ruin. It’s crucial that contractors are aware that there are pollution exclusions or coverage restrictions typically built into a liability, property, D&O and/or E&O policy, and specialized environmental insurance coverage such as the CPL policy is required to bridge thee coverage gaps. Without such coverage, the firm and its director and officers are in large part left unprotected given the fact that a loss can be far-reaching and potentially devastating to a company’s profitability and reputation. Caitlin Morgan, a leading MGU and wholesaler, offers environmental liability solutions for a number of targeted classes, including for environmental or restoration contractors. We can help you secure the appropriate Contractors Pollution Liability coverage for your clients. Just give us a call at (877) 226-1027. http://www.caitlin-morgan.com/pollution-liability-insurance/
Views: 86 Caitlin Morgan Ins
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)
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: 3971 Audiopedia
Lawyers Professional Liability Insurance
Business professionals who offer advice or service for a fee, or even on a non-profit basis, are constantly at risk. Your attorney clients are no exception. Attorneys and lawyers are trusted to provide counseling and legal aid to their customers, making them one of the most common professionals in need in professional liability insurance. Lawyers professional liability insurance is the only fool-proof way for your clients to financially protect themselves should they have a claim brought against them by a customer. But why should they have this coverage? First of all, more and more clients, especially large business entities, are requiring that the professionals they hire to represent them carry lawyers professional liability. Without this coverage, attorneys may lose an opportunity to gain a client. In addition, if an attorney’s client feels that the legal professional services provided failed to meet their expectations, they typically will not hesitate to take legal action. Another reason that lawyers professional liability insurance is essential is due to the face that defense costs can be expensive. Your client may think that a frivolous case will be thrown out and they won’t have to pay damages. Even if this is true, your client will still have to pay defense fees possibly in addition to other legal fees. This can be detrimental to your client, especially if they are part of a small legal firm that doesn’t necessarily have the funds a larger firm may have. The final reason that lawyers professional liability insurance is essential is because mistakes can and do happen in the practice of law. They can happen despite safeguards or risk management. If your client has a quality insurance program, however, they’ve already taken a step towards finding a cost-effective way to protect their business and financial security. In the event that a lawsuit does occur, at Insurance for Lawyers (IFL) we have coverages for a wide variety of products, including Negligent Acts, Errors & Omissions, and Fiduciary Liability, just to name a few. Please call us today for more information at (855) 976-9898. http://www.iflforlawyers.com/lawyers-professional-liability-insurance-essential/
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: 285 Gerry Oginski
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.
Legal Help Experienced Defective Products Lawyers North Hollywood California
http://www.legalbistro.com Need experienced defective products law firm North Hollywood California. If you are looking to retain a lawyer in North Hollywood, California 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
Professional Indemnity Insurance - Does it Pay Out if You Are Negligent?
Views: 632 Mark Dawes
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/
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: 162 constructaquote.com
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: 229 Restorer's Channel
Accounting - Warranty Expense and Liability - Severson
See the below link for more resources, including as a list of all of my videos, practice exercises, Excel templates, and study notes. https://www.dropbox.com/s/09hdhag3zieyt08/Severson%20YouTube%20Videos.xlsx?dl=0 This video discusses the proper accounting for warranty expense and liabilities, including discussions of the required journal entries and T accounts. It also covers the determination of the estimation.
Views: 3543 Christopher Severson
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
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: 136 Foyle Legal
How We Help Sellers Who Receive IP Complaints
Check out our other videos here http://vid.io/xq4z Rob Segall and CJ Rosenbaum sit down to talk about how our firm handles Amazon sellers who receive Intellectual Property Right Complaints (otherwise called Rights Owner Complaints). The first step is to analyze the complaint and product: The first thing we do is establish if the complaint is valid. We will look at the listing identified that belongs to our client and the theory of infringement identified in the letter or notification that our client received. We then try to determine if the complainant has a valid reason for reporting our client. Most of the time, they don't. The 4 basic categories of IP Rights: 1. Trademark 2. Copyright 3. Patent 4. Trade Dress If we look at your product and know there is no violation because you're selling a genuine product, it makes that correspondence to whoever made the complaint pretty easy to do. We write to them and explain why you are not violating anybody's intellectual property rights. The vast majority of IP complaints are 100% baseless, totally bogus, and used to limit competition. Selling Genuine Products? If yes, the complaint is probably 100% baseless! Sellers often refer to our correspondence as "legal letters". The Process: We draft a letter and we explain why they are not violating each of the basic areas, which include trademark, copyright, patent and trade dress. The First Sale Doctrine applies broadly throughout all areas of intellectual property. Essentially, as long as someone is buying and selling a product that matches the condition it's received in when purchased from the manufacturer, then they are excused from any potential liability for intellectual property infringement. As long as a 3rd party seller delivers a product to the consumer that's not materially different than what the brand would deliver, they are not violating anybody's rights. If a brand refuses to withdraw a baseless complaint, does that brand have any potential liability? They do. The most important thing to consider is that on Amazon and most ecommerce platforms, there's a penalty of perjury prevision that all complainants must click and agree to before submitting a complaint. Basically, all complaints on Amazon are submitted under penalty of perjury that the person submitting the complaint has authority to submit the complaint and that they have a good faith basis that the complaint is valid. Negotiating the withdrawal of that complaint: One of the benefits of hiring our firm is that we are always willing to pick up the phone and call the rights owner. Rosenbaum Famularo, PC: http://rosenbaumfamularo.com/ Amazon Sellers Lawyer: https://www.amazonsellerslawyer.com/ Helping Online Sellers Worldwide View upcoming global events CJ Rosenbaum will be speaking at here: http://rosenbaumfamularo.com/events/ For more information on Amazon suspensions & appeals, visit here: https://www.amazonsellerslawyer.com/account-suspension/ ROSENBAUM FAMULARO, PC: law firm geared towards intellectual property law and brand protection in the global ecommerce marketplace. CONTACT US: everything you say, all information you disclose, any business practices you discuss, are 100% confidential by law under the Attorney-Client Privilege. Email: [email protected] Phone: 1-877-9-Seller 100 W. Park Ave. Long Beach, NY 11561 SUBSCRIBE FOR MORE: https://www.youtube.com/channel/UCQITcjv6JO0MAeD_QyIfWZw CONNECT WITH US ON: https://www.facebook.com/amazonsellerslawyer/ https://twitter.com/AmazonSellerLaw https://twitter.com/MerchProtection https://plus.google.com/107929045329275677183 https://www.linkedin.com/company/rosenbaum-famularo/ https://www.instagram.com/rosenbaumfamularo/ https://www.reddit.com/user/RosenbaumFamularo
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: 4214 Ascension Channel
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.
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.
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: 308 Errors Omissions
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
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/
#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
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: 3955 PublicEnquiry
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.
Growing a Land Investing Business on a Part-Time Basis - Interview w/ Billy
I recently had a chance to sit down and chat with my friend Billy Rogers about what his experience has been like as he has been learning and working as a land investor for the past year and a half. It was interesting to learn more from him about what has worked and lessons he has learned through his experience. Whether you're brand new to the land business or a seasoned pro - I think we'll all have a few new things to learn from this one. Check it out!
Views: 4587 REtipster
Hempworx  review for ODD & ADHD
This video is about my 5 year old on CBD for ODD & ADHD! // When we found CBD it was the best decision we made for him. If you would like to learn more about Hempworx or want to continue to follow our journey find me on Facebook and subscribe to my youtube page. Follow Me Facebook: https://www.facebook.com/Mari-Hemp-Life Website: www.Marihemplife.com Join my team: www.Marihemplifetour.com ***************************************************** FDA Disclaimer These statements have not been evaluated by the FDA and are not intended to diagnose, treat, cure or prevent any disease. Most work-place drug screens and tests target delta9-tetrahydrocannabinol (THC) and do not detect the presence of Cannabidiol (CBD) or other legal natural hemp based constituents. Even though our products contain less than .3% THC by dry weight (Federal Legal Limit), studies have shown that ingesting Full Spectrum CBD can cause confirmed positive results when screening urine and blood specimens. Accordingly, if you are subject to any form of employment drug testing or screening, we recommend (as does the United States Armed Services) that you DO NOT take our products. Before taking our products, consult with your healthcare practitioner, drug screening testing company or employer. This website requires you to also be at least 18 years or older to purchase our products. ****************************************************************************** *Cannabidiol (CBD) is a naturally-occurring constituent of the industrial hemp plant. MyDailyChoice/HempWorx does not sell or distribute any products that are in violation of the United States Controlled Substances Act (US.CSA). The company does sell and distribute hemp based products. ****************************************************************************** Legal Disclaimer Information on this site is provided for informational purposes only and is not meant to substitute for the advice provided by your own physician or other medical professional. The results reported may not necessarily occur in all individuals. MyDailyChoice, Inc. and HempWorx LTD are providing this site and its contents on an “as is” basis and makes no representations or warranties of any kind with respect to this site or its contents. Except as specifically stated on this site, neither MyDailyChoice Inc., HempWorx LTD, nor any of its directors, employees or other representatives will be liable for damages arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties. **************************************************************************** Drug Testing Even though our products contain less than .3% THC by dry weight (Federal Legal Limit), studies have shown that ingesting Full Spectrum CBD can cause confirmed positive results when screening urine and blood specimens. Accordingly, if you are subject to any form of employment drug testing or screening, we recommend (as does the United States Armed Services) that you DO NOT take our products. Before taking our products, consult with your healthcare practitioner, drug screening testing company or employer.
Views: 201 Mariangelis Smith
How Long Do Mass Tort Claims Usually Last? - ASK AN HLG ATTORNEY - Ep. 34
Website: http://hensleylegal.com/ Facebook: https://www.facebook.com/HensleyLegalGroup/ Twitter: https://twitter.com/HensleyLegal Instagram: https://www.instagram.com/hensleylegal/ [TRANSCRIPT]: How long do mass tort claims usually last? That varies depending on the case — it’s kind of a case-by-case basis — but the typical time frame we see is anywhere from 12 months to about five years. [END] Music: Montauk Point by Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/
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
Fernando Mariona - TPC Compañía de Seguros
Responsabilidad Civil Profesional - La cláusula claims made y la importancia del consentimiento informado. Fundación Sobre el Seguro y la Responsabilidad Civil (FUSERC)
Views: 295 Buenafuente Seguros
Robert Mueller has delivered report on Trump Russia investigation to attorney general, live stream
Special Counsel Robert Mueller has submitted to the attorney general the report on his findings of his investigation into any ties between the Russian government and Trump campaign associates. The scope of his probe included any matters that arose from the investigation. Barr will now summarize it for lawmakers, in accordance with the law governing the special counsel. It is not clear whether the report or any part of it will be made public -- that's left to Barr's discretion. For further details: https://www.cbsnews.com/live-news/mueller-report-released-russia-investigation-trump-campaign-election-live-updates-today/
Views: 173074 CBS News
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. Inland Empire Injury Lawyer Announces New Ontario Law Office and Free Same-Day Legal Consultations - https://www.napolinlaw.com/ontario/ - Upland Personal Injury Lawyer, Ontario Personal Injury Lawyer, Rancho Cucamonga Personal Injury Lawyer, Fontana Personal Injury Lawyer, Chino Personal Injury Lawyer, Eastvale Personal Injury Lawyer, Colton Personal Injury Lawyer
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: 127 IS LVR
Simple PAN WHIP BLUR TRANSITION effect for Premiere Pro
CREATE a CAMERA WHIP or PAN TRANSITION EFFECT! | Learn to create this simple transition with a single Adjustment within 2 minutes! Check out Adobe Creative Cloud: http://bit.ly/2gPMy09 ---------------------------- Special thanks to Foxi Music for the music track used in this video. (http://FoxiMusic.com) ---------------------------- Microphone used for my voiceover: Rode NT USB (http://amzn.to/2qohzvW) ---------------------------- Most of the footage is recorded with the Sony a6500 mirrorless camera (http://amzn.to/2qrkanX) + Sony kit lens 1 (http://amzn.to/2r5FR0K) ---------------------------- Links to Amazon products and Adobe CC pages are affiliated links. Please use them to support me. ======================================== OFFICIAL GIVEAWAY RULES NO PURCHASE NECESSARY. 1. Eligibility: The Adobe Creative cloud giveaway (the “Giveaway”) is open to subscribers who are AT LEAST 16 YEARS of age at time of entry (“Entrant"(s)). Void in Puerto Rico, the Virgin Islands, Australia, Canada and other restricted countries or where prohibited or limited. The Giveaway is sponsored by Adobe (“Sponsor”). 2. How to Enter: To enter the Giveaway you must (a) “like” the video ‘Simple PAN WHIP BLUR TRANSITION effect for Premiere Pro ‘(“Video) and (b) place a comment (“Comment”) on the Video (together the “Entry”). Entries must be received during the Giveaway Period. ONLY ONE ENTRY IS PERMITTED PER PERSON. 3. *Giveaway Period: The Giveaway shall begin at 12:01 a.m. Eastern Time ("ET") on September 8, 2017 and shall end at 11:59 p.m. ET on September 18, 2017 ("Giveaway Period").* 4. Prize: The Giveaway allows Entrants to enter random drawings, as described below, on the Orange83 YouTube Channel (the “Channel”) for a chance at 1-year membership on Creative cloud all apps ($49,99 p/m on annual basis) (“Prize”). The average retail value (“ARV”) of the Prize is $599.88. The total ARV of all Prizes is $599.88. THE ODDS OF WINNING THE PRIZE DEPENDS ON THE TOTAL NUMBER OF ELIGIBLE ENTRIES RECEIVED. No Prize substitution or cash alternative is allowed except at the sole discretion of Sponsor. If a Prize cannot be awarded due to circumstances beyond the control of Sponsor, a substitute prize of equal or greater retail value may be awarded. The Winner will be solely responsible for all federal, state and/or local taxes, and for any other fees or costs associated with the Prize received. 5. Winning: The winner of the Giveaway (“Winner”) shall be chosen by the owner("Owner") of the Channel based on Owner’s personal affinity for the Comment. The Winner shall be chosen within 7 days of the end of the Giveaway Period. 6. Prize Claim: The Winner will be notified within 7 days of the drawing via a personal message on Youtube. The Winner may be required to execute an Affidavit of Eligibility, a Liability Release, and (where legal) a Publicity Release (collectively, “Prize Claim Documents”) within 30days of notification, or as directed by the Sponsor. The failure to respond timely, to the notifications and the failure to provide the Prize Claim Documents will result in forfeiture of the Prize and, in such case, the Sponsor may declare an alternate winner, based on another random drawing. If a Prize goes unclaimed or is forfeited by the Winner, the Prize may not be re-awarded, in Sponsor’ sole discretion. The Winner may be required to provide Sponsor with a valid social security number before the Prize will be awarded for tax reporting purposes. An IRS Form 1099 may be issued in the name of the Winner, for the actual value of the Prize received. Other restrictions may apply. 7. Rights of Sponsor: Sponsor, shall have the right, at its sole and absolute discretion to refuse any Entry whatsoever made by Entrants which it finds to be in violation of these Official Rules or which it finds in its sole discretion to be otherwise objectionable for any reason. This giveaway is ran in accordance to the YouTube Community Guidelines and YouTube Terms of Service. https://www.youtube.com/yt/policyandsafety/communityguidelines.html https://www.youtube.com/static?gl=US&template=terms Any entries not following the YouTube Community Guidelines will be disqualified. Personal data from the giveaway will NOT be used or shared in any way, shape or form. YouTube is not a sponsor of this Giveaway and YouTube is released from any and all liability related to your contest ================================= I will post video editing tutorials weekly, so please subscribe my channel, STAY TUNED! ▶Follow me on Twitter: https://twitter.com/Orange83Youtube/ ▶Follow me on Facebook: https://www.facebook.com/orange83youtube ▶Follow me on Instagram: https://www.instagram.com/orange83youtube/ ▶Visit my new website http://www.orange83.com/ ▶My Patreon page. http://patreon.com/orange83 #PremiereProTransitions #PremiereProTutorial #Orange83
Views: 122763 Orange83
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: 992 Ascension Channel
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
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/
Very Dangerous Products Still Being Sold - Oregon Attorney Jeffrey Bowersox
http://www.bowersoxlaw.com Don't underestimate corporate America's willingness to sacrifice your safety to improve their bottom line profit. The sad reality is that there are products sold on a daily basis that cause serious, catastrophic even, injuries that continue to be sold. I represent a young man who was injured by a product that since 1966 memos from the engineering department of the company have said the product serves as a launching pad to propel a tire into the operators face causing catastrophic brain injury. Since 1966! 40 years later an essentially identical device is still on the market. This is not something that is governed by the FDA. This is not a medical device. It's a product used in tire repair shops all across the country and the kid next door who's summer job is to change your tire when you bring your car in faces a catastrophic brain injury because this product is still sold.
Views: 163 BowersoxLawFirm
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
Court Finds Subtle Bias Constitutes Job Discrimination
Even though she was less qualified for an assignment than another employee, an African American sales person presented evidence that job assignments with better opportunities to make bonuses were made on a discriminatory basis, thus defeating her employer's attempted to dismiss her lawsuit. In this federal court (New Jersey) case, a longtime employee of a Macy's department store filed a lawsuit, alleging that she had been discriminated against on account of her race. Having worked at multiple departments at the store, the employee was transferred to the Fine Jewelry Department. That Department was divided into three areas, or "bays," each of which contains a separate category of products: the Diamond Bay, the Gold Bay, and the Watch Bay. Each associate in the Fine Jewelry Department is assigned to one of the three bays. Of the three bays, the Diamond Bay is the most desirable assignment by associates in the Fine Jewelry Department on account of the higher prices of the items sold in that bay and thus the opportunity to make higher sales commissions. When the Diamond Bay was understaffed due to vacations or other reasons, associates from the other bays would be assigned to fill in. Since she was transferred to the Jewelry Department in 2001, the employee worked as an associate in the Gold Bay but was unable to get assigned to the Diamond Bay. When a full-time assignment opened up in the Diamond Bay, a white sales associate was transferred into the job. She had been chosen by her supervisor because during the many times she filled in at the Diamond Bay, she had shown good sales ability. Here, the court noted that the associate that was transferred to the full-time job in the Diamond Bay was demonstrable qualified for the assignment. However, the African American employee presented evidence that white associates, including the associate who was transferred to Diamond Bay, were approximately three times more often to be assigned as a substitute, thus receiving greater opportunity to show competence in selling diamonds. In it's motion to dismiss the employee's suit, Macy's argued that the employee did not keep a log of how often the white associate and other white colleagues were called to the Diamond Bay. The employer also noted the testimony of two African American co-workers, both of whom testified that they had sold items at the Diamond Bay. But the court observed that the employee did not need to keep a log of the allegedly discriminatory conduct to prove that it took place, and her testimony based on her personal experience and recollection was sufficient to create a question of fact about whether she was denied the opportunity to fill in at the Diamond Wall on a racially discriminatory basis. Thus, the employer's motion to dismiss the suit was denied. Gilmore v. Federated Dep't Stores. CLS June 2012
Metal Hip Replacement Lawsuits and Details of the Recall | Saunders & Walker P.A.
Attorney Joe Saunders explains why there is an epidemic of hip implant failures and why this never needed to happen. The manufacturers of these metal-on-metal hip replacement products rushed them to market without proper testing. They even chose to ignore information from medical studies that indicated there was a problem with the metallic ions in the implants, which could lead to tissue damage in the hip joint and premature failure. They chose to ignore these warnings. Instead they lied to doctors and lied to patients saying the metal-on-metal hip replacement implants provided better range of motion and longer years of use, compared to existing plastic and ceramic implants. Their only objective was to line their pockets with profits while taking advantage of patients. Those who have had metal-on-metal hip replacements are now facing the consequences of the selfish and greedy behavior of the manufacturers. They experience pain and suffering on a regular basis. Most people also have to undergo a second surgery to have the defective implant removed and a new one installed. This second surgery is even more serious and has greater risks than the initial metal-on-metal hip replacement surgery. If you or someone you care about had metal-on-metal hip replacement surgery, you could have certain legal rights against the manufacturer including hip replacement lawsuits. Please feel free to reach out to attorney Joe Saunders by calling 1-800-748-7115 to schedule a free consultation or by visiting: https://www.saunderslawyers.com/hip-replacement-recall-lawsuits/.
Views: 315 Saunders & Walker
Understand the Law of Attraction - Does it Work Webinar
Why do we suffer? Why is it so hard for so many to manifest, was the Law of Attraction just a scam? Or can it really help? So many questions and now you finally have the answer as to why it doesn't work for so many people and more importantly...what to do about it NOW!!! The Theta state is absolutely correct that is where our program come from. This was when she was a Theta Healer, now the healing being done is Ascended Healing which could be coming from the Gamma state. SUBSCRIBE LIKE AND SHARE Become a Madamesque Member: http://madamesque.com/healing Get your own healing to help with with the Law of Attraction: http://loveandyou.guru/ Visit the Ascension Store: store.payloadz.com/results/265112-love-you-guru-consultations Other free healing videos: https://www.youtube.com/watch?v=Agr4Rv7OxJk 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.
Views: 290 Ascension Channel