Depending on the severity and type of injury you have, it may be a while before you can return to your usual job duties. When you participate in a return-to-work program, you can maintain a presence in your workplace by assuming duties that are adapted to your capabilities. This may include telecommuting, working shorter hours or doing tasks that are less physically demanding than your normal ones.
As your condition improves, you can gradually take on more of your previous responsibilities until you are fully healed. Being able to partially continue with your job duties will keep your morale elevated throughout your recovery process. The transition back to work will also go more smoothly than it would if you were absent from your job for an extended period of time.
Return-to-work programs are an excellent option for workers compensation in Virginia. They save money for employers and they are rewarding to the person with the injury. If you have suffered from a workplace injury, then you should find out if an RTW program is available to you.]]>
As the name would suggest, construction management at-risk projects carry inherent hazards. The major reason for this is the guaranteed maximum price that the contractor provides to the client. Because you are providing your client with a guarantee, you are liable if you do not deliver. Make sure that your contract is carefully written and agreed upon so that you do not incur more risk than is necessary.
Due to the nature of CM at-risk projects, not all insurance providers are willing to cover them. You should look for an insurance provider that will not only cover your project, but will also match you with the best plan for your projects specific needs. Having secure coverage will help you do your best work. If your project does meet with mishaps, having good insurance will help your company stay afloat.
The construction management at-risk model expedites the construction process and facilitates strong relationships between contractors and clients. When you have taken care of the insurance details, you can wholeheartedly throw yourself into the development of something new.]]>
Disclosure is a very important component in buying and selling houses. Theres a distinct difference between not knowing there is an issue, and hiding or failing to disclose problems that you are aware of. Its also often hard to distinguish between the two. This is why real estate agents should carry Professional Liability Insurance in Austin, in the event that they are accused of misrepresentation or other actionable offenses.
Fraud claims are among the most common causes of action seen from claimants and plaintiffs, and generally speaking, fraud contains an element of intent. Case in point, for a plaintiff to be successful when instigating a claim of fraudulent intent, the plaintiff must convince the judge or jury there was an intentional act by the defendant that was designed to cause harm to the plaintiff.
This means that the real estate agent did in fact make an affirmative statement or purposefully withheld a material fact about which the real estate agent had prior knowledge. Claimed injuries can include diminution of value of the property in question, any costs to repair the defect, replacement costs, lost profits, closing costs, physical and emotional distress, loss of consortium, and the plaintiffs attorneys fees associated with the litigation.
Damages may also include punitive damages, which serve as a punishment to the defendant or as an example to the public to deter others from acting in such a way in the future. The cost to defend such an accusation would be better served by someone with Professional Liability Insurance in Austin. Speak to an agent about any questions or concerns that you may have.]]>
As a broker, you can explain that nursing home insurance rates for this type of coverage are fairly reasonable, and besides, isnt the comfort and safety of the elderly in their care worth every penny? Having this policy in place gives access to engineers who can repair or replace any heating units in an emergency.
Getting a routine service, and taking out boiler and machinery insurance, can actually save a lot of time and hassle should a facility ever experience a boiler breakdown. An annual check-up will also ensure the system is working efficiently and safely.
Obviously if the boiler fails during the summer or on a particularly warm day, it’s not much cause for concern. But if any part of the main heating system fails in extreme conditions, this could result in additional costs if residents have to be moved to another facility or temporary housing until the situation is under control. By maintaining the boiler and other heating units in and around the facility your client can likely avoid needing repairs on a regular basis.
Cleaning the boilers air vents and flues, checking the water levels regularly, and looking for leaks is something that can help to reduce costs significantly. In addition, de-scaling the boiler (if there is a build-up of lime scale) can reduce the likelihood of a malfunction. Also, having it flushed twice a year can clear out any debris that may have accumulated at the bottom over time.
Having a preventive maintenance plan in place is added security that your clients deserve to afford themselves, and this goes a long way towards reducing overall nursing home insurance rates and that frees up money to be used in other areas.]]>
The services that they provide falls into two categories: agency and at risk. When the CM offers his or her services for a fee without an entrepreneurial profit interest and is acting in the owners best interest throughout each stage of the project, then theyre considered an agency CM. Construction management at risk implies that the CM is a consultant to the owner in the areas of development and design, which is a role similar to a general contractors job during the construction phase of the project.
At risk CM’s have to protect themselves in the language of the contract, as well as any agreement for services because there is a guarantee on the table. This pertains to the giving of advice or recommendations on planning, design, and scheduling of construction. Other things that must be considered pertinent to the subject at hand is the overall coordination of the separate contractors and construction activities in which they are engaged.
In short, the CMs goal is to successfully complete the project using management techniques that should be applied effectively to the various phases of the construction project, which includes implementing and coordinating safety programs. Professional services generally start during the pre-construction phase, which often includes overseeing the selection of design professionals, along with soliciting, reviewing, recommending and selecting bidders.
Depending on the type of job, the CM is usually the person that is supervising and inspecting construction activities. In some instances, the CM is responsible for securing governmental and municipal approvals and permits and selecting prime contractors. A CM may take on financial duties, such as cost estimates, preliminary budgets and cost tracking. With so much at stake, and so many areas where issues could result from failure to properly oversee a project, construction management at risk insurance is a viable component of any CM’s risk management.]]>
Youre going to need a lot of different policies for this complex line of work, plus youll want to address a few risk management related issues. Whether youre a local pub or one of these swanky spots with the velvet ropes, youre issues will be similar when it comes to certain liabilities and responsibilities.
Youre required by law to carry certain insurance policies, while lenders may require you to be insured if youve taken out a business loan. Also, if you rent your club space from a landlord youre likely going to be required to carry additional property insurance.
Its important for you to understand that having nightclub liability insurance will protect you from any potential lawsuits that may be filed against your establishment. There are different types of liability coverages you can purchase and your insurance for night clubs liability coverage will also provide compensation for any related court costs and legal fees.
The hazards of owning and operating a bar or nightclub are well known, and you should seek out an agency willing to provide you with strong coverage, regardless of the size, scope, or sales attributed to your venue. Most brokers have optional coverages that are available, and many of these are highly recommended because, when run an establishment that serves alcohol, you have an increased risk of the possibility of damages and liability claims.
You may be the owner of a large nightclub featuring bands and live music, or you may be running a small, private club, in either case youll need to have coverage that offers you protection for every aspect of the type of services you provide, including general liability, liquor liability, assault and battery, and workers compensation insurance, and thats just for starters.]]>
Make sure to tell your client to do their best to document the conditions of the cargo upon delivery. Take pictures to show the condition of the freight upon arrival and make clear any exceptions on the delivery receipt noting any loss or damage to the cargo and/or the packing or containers and advise your clients to do so as well.
If water damage is the issue, move goods to a secure location, and separate wet goods from dry. The cargo owner must take reasonable measures to protect the insured property from further loss by an insured peril. Costs or expenses incurred by the cargo owner in doing this are payable under the Sue and Labor Clause. Make sure to preserve all packing, damaged goods and seals until the claims agent arrives.
At this point a surveyor should be called in. Surveyors are neither settling agents nor are they affiliated with the insurance company. They are independents that report the facts to the insurance company and have the responsibility for determining the amount of the loss incurred.
Usually the insurance company will pay surveyors directly for their services. In situations when a surveyor requires up-front payment to investigate a valid claim the insurance company will reimburse the claimant. If the loss is not a considerable expense then it is probably not advisable to pay for the cost of a survey.
Your client will also need to file a formal notice of claim against the carrier. If more than one carrier is involved, then a claim must be filed against each party. This process is time-sensitive so make sure that, as part of the cargo claim procedure that, all claims are filed in a timely manner, and make sure your client retains all copies of the shipping documents.]]>
In the event that the vehicle is ever severely damaged (and is assigned a “salvage title),” this information should appear when the VIN is used to generate a vehicle history report, such as those offered by companies like AutoCheck, Carfax and the National Motor Vehicle Title Information System. In addition, VINs can help to prevent theft, since no two cars built within thirty years of one another can have the same VIN.
VIN Validation makes it possible to determine the year, make and model of the vehicle by deciphering the placement of the letters and numbers in the VIN. It can also be used to check for recalls, which is helpful if there is an issue with a manufacturers item that needs to be replaced or repaired. This is easily accomplished just by entering the VIN in the National Highway Traffic Safety Administration’s (NHTSA) VIN Look-up Tool.
If youre looking to write business auto insurance coverage, the VIN validation acts as a tool for gathering all of this vital information about the cars history. This can help determine insurance rates for your clients, and is designed to save time since all of the information can be garnered online and in a moments notice.
On most cars, you can find the VIN on the dashboard on the driver’s side, and it’s visible through the windshield from outside the car. It is usually on a sticker or plate on the inside of the driver’s side door or on the frame sill where the door closes. The VIN is sometimes printed inside the glove compartment, and it’s usually on the car’s title and/or on insurance documents. Without VIN validation, it would be difficult, if not impossible to have accurate information concerning a vehicles overall history.]]>
Errors & omissions are fairly common in the real estate world. Liability insurance is designed to cover your risks in this area. Here are four real estate firms that can benefit from malpractice insurance:
If you’re in any of the above professions then you should look into Malpractice Insurance in Austin. Insurance agents and attorneys can also get covered through a professional liability plan like this.
Even if you’re practicing risk management and have trustworthy employees, mistakes can still happen. If errors or omissions or made then you could be at risk for professional liability claims. You can’t rely on general liability to cover you in these instances.
It’s time to make sure your firm has the specific coverage it needs. Don’t leave yourself at risk for a professional liability suit. When you’re covered you’ll have better peace of mind. Consider getting Malpractice Insurance in Austin from a trusted insurance agency.]]>
Contrary to popular belief, workers’ compensation doesn’t exist solely for the benefit of employees. A crucial part to most of these plans includes a clause that prevents employees from suing their employer. Without a proper plan you could be liable for your employee’s injury and could be sued for negligence. The right coverage will protect you from this.
Another aspect of workers comp insurance is providing payment in replacement of your employee’s wages. It also typically includes coverage for the employee’s medical benefits. When you work with an experienced insurance provider you will also get the opportunity to provide your employees with a program to help them return to work.
Workers comp insurance simply works. Smart business owners everywhere know that they need to invest in proper insurance in order to protect themselves and their workers. Now that you’ve learned about workers’ compensation, consider investing in a plan as soon as possible.]]>