This notification should be made both verbally and in writing by mail (certified mail is recommended), and the owner should also keep a record of any and all events. If the actions are serious enough (i.e. rocks tossed or thrown, hitting the dog with a stick, etc.), those incidents should be reported to the local authorities and/or animal control department as well as humane organizations. It will help in establishing a legal defense by documenting acts of animal cruelty, for which the law could mandate psychological treatment or possibly jail for the offender.
There are several ways to stem the tide of bad behavior, especially for normally aggressive dogs:
Inform houseguests that they shouldn’t disturb your dog while sleeping or eating. Don’t tease, yell, or make sudden movements around dogs. Children (and adults) acting nervous around an animal often send off a message that most animals can pick up or sense.
If you are not confident around strangers, do not walk your dog near strangers. Also, demonstrate what it means to be a responsible dog owner. Being an irresponsible dog owner can lead to circumstances that can be detrimental to both you and your pet. If you need to purchase insurance we suggest you get a Dog Bite Quote as soon as possible.]]>
This policy offers a variety of coverage for the employees that the insured firm (in this case, Staffing Solutions) places within the premises of its clients-in this case, Tri-City-including employment practices liability, health insurance, workers compensation, unemployment insurance, and a host of other employee benefits and other voluntary insurance protection. Thus, when one of the HR professionals was severely injured on the Tri-City premises, everyone concerned was relieved to know that Staffing Solutions’ policy would pay for the employee’s medical costs (she was hospitalized with a compound fracture in her left leg for weeks), as well as physical therapy and lost wages during the months she was unable to work.
Contact a professional insurance agent to learn more about PEO insurance and how it can provide protection for your company as you provide direction for companies that need the skills and expertise of your employees.]]>
Many firms want to offer seamless support to their clients, and likewise, consumers have come to expect the ability to conduct via your online presence just about every transaction that they could in your brick and mortar location. Thus, many companies sped to enable this capability, adding online payment capability rapidly-in some cases, too rapidly. One agency found this out for themselves when they learned that all the sensitive customer data they collected in the course of their online payment system was not nearly as secure as they’d thought. The system was hacked, and the personal data of more than 1,000 clients was stolen by the hackers. The agency moved quickly to stem the breach, hiring outside expertise to determine the source of the vulnerability, how many files were stolen, and how to build a patch in the system to bolster security (for example, employing security certificates and “https” instead of just “http”-moves that will actually improve search engine rankings as well as offer better security measures).
Next, the firm’s marketing team went into overdrive, creating a full-scale campaign that addressed the problem and provided full transparency as to how the company would handle the after-effects-including what has increasingly become the norm after such a breach, to offer customers a year of fraud watch services from a third-party provider, free of charge.
Insurance agency SEO will continue to be the rabbit on the dog track of the race to be at the top of the online who’s who. In your quest, ensure that you are addressing security as much as rankings and you’ll find that the former serves to enhance the latter.]]>
The policy protects you and your firm by covering the cost of court fees, legal defense, and even damages payable to the plaintiff in the event of a lawsuit. This type of coverage is not included in the basic general liability or property insurance policy, so adding it to those coverages helps round out your protection bubble all the way around. This concept became very real when the owner of Paula’s Pets-let’s call her Paula-had a close shave when she got a bit too enthusiastic during a haircut for an owner’s prized poodle that was being groomed for a major dog show. Paula was very skilled, but on this occasion not only did she accidentally trim the dog’s fur in the wrong formation, she nicked one of the dog’s ears with her clippers when the animal (known in the prize ring as Dartagnan Malachi Show Me the Money), ruining the animal’s chances at appearing in the dog show that weekend. The owner was livid and vowed to sue Paula for everything she had. Her bootstrap business, which was just a few years into operating and had just started turning a profit, would never have been able to withstand paying out of Paula’s very shallow pockets for legal defense. Fortunately, the policy she’d purchased at the advice of her professional insurance agent meant that she had to pay only a small deductible and the insurance covered the rest, saving her $15,000 after all was said and done.
It is important to talk with a professional insurance agent to understand how much E&O insurance you need for your business. Your agent has access to top-rated coverage providers yet because policies are not necessarily apples-to-apples comparisons, your agent can offer experienced advice about which policy offers you the best bang for your buck. He or she can also ensure that your coverage is renewed on time so you won’t have any lapses in coverage. Call your agent today.
This policy represents the foundation upon which most companies build their entire liability insurance plan. In general, the policy offers coverage for claims (including associated costs and fees for legal defense) resulting from accidents, injuries, or negligence for which your company is found liable. Here are just a couple of examples for which this policy would offer protection:
Slip and fall. Your cleaning crew just finished mopping the bathroom. A customer enters and before you know it, she loses her footing and falls to the ground, breaking her wrist. The premises liability coverage in the policy will step in, protecting you for occurrences of liability stemming from the ownership, occupancy, or or use of a specific premise.
Butterfingers causes an operations liability incident, a risk frequently associated with contractors, manufacturers, or processors. Say you have a job site. A person walking by is injured when an employee accidentally drops a tool while working on scaffolding several feet above the sidewalk, hitting the passerby on the head. This incident is covered under the policy for injury or damage due to activities you conduct.
Your professional insurance agent has the experience and knowledge necessary to ask the right questions and navigate the complexities of the industry, analyzing your exposures to risk and select the right mix of insurance policies to offer protection. Contact your professional insurance agent for a commercial liability insurance quote and learn more about the variety of risks for which this important coverage will offer protection for your company.
Germany is considered one of the first countries to adopt laws that protect workers hurt on the job by mandating provision of benefits to employees who were injured or became disabled on the job. Prussia followed, passing legislation in 1884 that provides benefits for workplace accidents that included payments to workers for their medical care and rehabilitation. Called the Workers’ Accident Insurance law, the law also included an agreement that prevented employers from being sued by employees in civil courts-a system that formed the basis for what is now the workers compensation system in the United States. England’s Parliament was not to be outdone, in the same timeframe passing the Employer’s Liability Act, which offered coverage for employees’ injuries on the job that occurred because of their employer’s negligence but excluded accidents that were the fault of other employees. The law was replaced in 1897 with the Workmen’s Compensation Act, which more closely followed the watershed law adopted years earlier in Prussia.
The United States came to embrace the concept of protecting workers injured on the job on a state by state basis, with Georgia and Alabama being among the first to enact laws in 1855. Twenty-six additional states followed their example by 1907, although the laws were flawed-the failed to truly address the problem, and none of them “embodies an actual compensation principle and most simply said, ‘prove [the injury or illness was the fault of the employer’] and sue,” according to Lloyd Harger’s Workers’ Compensation, A Brief History. The federal government adopted the Federal Employer’s Liability Act in 1908 at the urging of President Roosevelt, offering protection for some federal workers whose duties were deemed hazardous. And finally, in 1911, Wisconsin and Washington states became the first to adopt compensation laws that were similar to those in Europe, with employers agreeing upfront to offer medical payments and wage benefits, with employees giving up their rights to sue their employer.
Today, there is as vast array of workers comp insurance companies in the industry that provide this key coverage. Talk to your professional insurance agent for advice on choosing the one that offers the best coverage for the price that fits your company’s budget.
While managing risk can be an arduous task when it comes to the construction industry, there are actually many areas in which to effectively manage these exposures. One way is by transferring risk to a responsible third party, such as a subcontractor, and the other is by reducing loss through added safety procedures and controlling job-site hazards. Helping general contractors (GCs) to implement risk management practices goes a long ways towards:
By transferring risk to subcontractors they use on certain projects, GCs can better protect themselves. This includes indemnification, along with provisions that holds them harmless, as well as enforcing additional insured requirements in their construction contracts.
Having written contracts promote quality control, and the agreement between the general contractor and the subcontractor becomes a critical document in the event of a dispute. It should reflect the GCs own construction standards, as well as any construction standards that the GC has agreed to with the owner and each of the subcontractor’s warranties.
Since many liability exposures are present both during the construction process and often for a considerable time thereafter, the GC must also reduce potential liability losses by controlling construction job-site hazards and any other exposures.
Construction site safety practices should include, but are not limited to, perimeter security fencing and warning signs, limiting job-site visitors to authorized persons only, properly assembling scaffolding, implementing hazard communication standards between workers, implementing slip and fall protection standards, and having designated delivery areas along with requiring delivery personnel to follow all safety practices. This is a solid strategy for reducing the likelihood of putting construction management at risk.
Since insurance requirements vary from state-to-state, insurance coverage also varies. Find out if the insurance offered in your new location meets all of your needs and if you’ll need to make adjustments to your current policy. If you’re moving to a location that’s prone to flooding, be sure you ask about flooding insurance requirements.
Even if you remain in Florida, you’ll more than likely need an entirely new home insurance policy. The reason is your coverage is based on the location and characteristics of your home. Before you contact your agent about changing home insurance in Orlando, FL, be sure you have the square footage, interior finishes, roof type and age of your new home.
Depending on the features of your new home, you may pay more or less for your new premiums. Asking your insurance provider this question as soon as you know you’re moving allows you to prepare your finances accordingly.
Don’t put off changing your home insurance until moving day. Bring your agent into the loop and keep him there until you’re settled in your new residence.]]>
After a cyber breach, businesses are required to take several actions. These include investigating the breach, giving notice to people who were affected and setting up an information center for these people. Businesses also generally must provide ongoing credit monitoring for affected clients or employees. These undertakings can quickly become expensive.
The short-term disruption or long-term loss of business associated with a cyber attack can also prove costly. Businesses may face all of the following expenses:
General business interruption policies may not cover these costs, which makes cyber risk insurance especially important.
Some attackers extort money from businesses by threatening a cyber attack if a ransom is not paid. Cyber liability insurance may cover this cost, provided that a threat is found legitimate and capable of significantly affecting a business.
These potential costs underscore why most businesses can benefit from purchasing cyber liability insurance. Cyber threats or attacks can introduce various unique and potentially crippling expenses. The right insurance policy is the only way that business owners can truly ensure protection against this threat.]]>