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Liability Car Insurance Coverage from Nationwide, car liability insurance.

#Car #liability #insurance


Liability car insurance coverage from Nationwide

In most U.S. states, auto liability insurance coverage is a legal requirement for driving a car. Yet the most basic policy may not provide the coverage you need if you’re in a serious accident. It pays to understand liability car insurance and adjust your policy to meet your needs and budget. Learn more about what liability insurance covers and get a liability insurance quote today.

What does liability insurance cover?

There are two basic components of liability car insurance: bodily injury coverage and property damage coverage.

About bodily injury liability coverage

Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.

About property damage liability coverage

Property damage liability insurance helps pay for other people’s property, not yours. It may cover damage done to someone’s property as the result of a covered accident for which you are responsible. It may also help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

Minimum and maximum limits on auto liability insurance

A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.

If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

Liability car insurance alone does not cover your car

If you opt for liability car insurance alone, you’re legally covered, but damage to your vehicle isn’t. That could cost you thousands to repair or replace the vehicle you depend on every day. Collision coverage and comprehensive car insurance coverage help pay for damage to your vehicle if coverage applies. You can also keep your rates low in the event of an accident with Accident Forgiveness.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.




Auto insurance liability. + Video

#Auto #insurance #liability


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HOST: NEF2.COM

Public liability insurance for self employed? ~ Video

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HOST: NEF6.COM

IDOI: Auto Insurance, auto liability insurance.

#Auto #liability #insurance


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Auto liability insurance

Indiana Department of Insurance

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  • Auto liability insurance
  • Auto liability insurance
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  • Current: Auto Insurance

Auto Insurance

Selecting good auto insurance is important. However, our Department cannot recommend specific companies. You may choose from companies which have local or non local agents. The services of the local agent may be of importance when you buy the policy or when you have a claim. Agents can be ‘captive’ to only one insurance company or ‘independent’ and represent several companies. It is better to talk with more than one agent and more than one company while researching auto insurance.

Auto Policy Protection

Auto policies typically provide the following types of coverage:

Pays, up to the limits of the policy, for injuries to other people you cause with your car.

  • Property Damage Liability:

    Pays, up to the limits of the policy, for damage to other people’s property caused by your car.

  • Medical Payments:

    Pays medical bills incurred by you and usually your passengers, up to the limits of the policy, if injured while riding in, entering or getting out of the car.

  • Collision:

    Subject to a deductible. It will pay for damage to your car caused by collision or upset.

  • Comprehensive:

    Pays for damages to your car caused by perils other then collision or upset. This includes such losses as theft, fire, a windstorm and glass breakage. A deductible may apply.

  • Other:

    There are other coverage’s such as towing and car rental which may be available.

  • Setting Rates

    Our Department does not set auto rates. However, companies must file their rates and forms with us before they are implemented. If the rates are fair, adequate, and not excessive or unfairly discriminatory, the companies may use them. This permits competition to exist and enables Indiana citizens to buy insurance at a fair price. The rates are open for public inspection.

    Automobile Rates

    Automobile Rates vary according to many factors. When comparing costs, be sure each company is quoting on the same basis. The least expensive policy is not always the best policy. Some rating factors insurance companies may use are:

    • Age and Sex
    • Marital Status
    • Driver Record
    • Car Use
    • Place of Residence
    • Policy Limits
    • Deductibles
    • Type of Car
    • Driver Training
    • Claims History
    • Credit Scores

    Cancellation or Non-Renewal Restrictions

    Insurance companies must follow certain guidelines to cancel or non-renew an insurance policy in Indiana. Insurance companies may cancel your policy within the first 60 days of a new policy. After your policy is in effect 60 days, the company cannot cancel except for certain reasons, such as your failure to pay the premium or losing your license to drive. At the end of the policy period, the company may refuse to renew your policy, but they must give you 20 days advance notice.

    Auto Damages/Injuries from Uninsured Motorists

    Each newly written Indiana auto liability policy must include uninsured and underinsured motorist’s coverage unless you reject this in writing. Minimum liability limits are:

    • Uninsured Motorists: Bodily Injury: $25,000/$50,000
    • Property Damage: $25,000
    • Under insured Motorists: Bodily Injury: $50,000

    The uninsured and underinsured motorists coverage allows you to collect these damages from your own insurance company.

    What is a Certificate of Compliance?

    A Certificate of Compliance is a form that must be filed by your auto liability insurance agent after an accident or following a traffic violation. Filing this form certifies your financial responsibility. This form is required by the Indiana Bureau of Motor Vehicles.

    DO NOT SEND ANY COMPLETED Certificates of Compliance to the IDOI. It will not reach the BMV, and you could end up losing your driving privileges for failure to file it.

    Turned down by an Insurance Company?

    You can apply for the Indiana Auto Insurance Plan through any insurance agent in Indiana. Each insurance company licensed in Indiana may participate in this program by taking its share of the drivers who have difficulty buying insurance.




    IDOI: Auto Insurance, liability car insurance rates.

    #Liability #car #insurance #rates


    Header

    • Business Agriculture
    • Residents
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    • Education
    • Taxes Finance
    • Visiting Playing
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    Liability car insurance rates

    Indiana Department of Insurance

    Sidebar

    Side Navigation

    Featured Items

    • Liability car insurance rates
    • Liability car insurance rates
    • Liability car insurance rates
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    • Liability car insurance rates

    First slide details. Current Slide Second slide details.

    Article

    Section

    Breadcrumbs

    • IDOI
    • Consumer Services
    • Types of Insurance
    • Current: Auto Insurance

    Auto Insurance

    Selecting good auto insurance is important. However, our Department cannot recommend specific companies. You may choose from companies which have local or non local agents. The services of the local agent may be of importance when you buy the policy or when you have a claim. Agents can be ‘captive’ to only one insurance company or ‘independent’ and represent several companies. It is better to talk with more than one agent and more than one company while researching auto insurance.

    Auto Policy Protection

    Auto policies typically provide the following types of coverage:

    Pays, up to the limits of the policy, for injuries to other people you cause with your car.

  • Property Damage Liability:

    Pays, up to the limits of the policy, for damage to other people’s property caused by your car.

  • Medical Payments:

    Pays medical bills incurred by you and usually your passengers, up to the limits of the policy, if injured while riding in, entering or getting out of the car.

  • Collision:

    Subject to a deductible. It will pay for damage to your car caused by collision or upset.

  • Comprehensive:

    Pays for damages to your car caused by perils other then collision or upset. This includes such losses as theft, fire, a windstorm and glass breakage. A deductible may apply.

  • Other:

    There are other coverage’s such as towing and car rental which may be available.

  • Setting Rates

    Our Department does not set auto rates. However, companies must file their rates and forms with us before they are implemented. If the rates are fair, adequate, and not excessive or unfairly discriminatory, the companies may use them. This permits competition to exist and enables Indiana citizens to buy insurance at a fair price. The rates are open for public inspection.

    Automobile Rates

    Automobile Rates vary according to many factors. When comparing costs, be sure each company is quoting on the same basis. The least expensive policy is not always the best policy. Some rating factors insurance companies may use are:

    • Age and Sex
    • Marital Status
    • Driver Record
    • Car Use
    • Place of Residence
    • Policy Limits
    • Deductibles
    • Type of Car
    • Driver Training
    • Claims History
    • Credit Scores

    Cancellation or Non-Renewal Restrictions

    Insurance companies must follow certain guidelines to cancel or non-renew an insurance policy in Indiana. Insurance companies may cancel your policy within the first 60 days of a new policy. After your policy is in effect 60 days, the company cannot cancel except for certain reasons, such as your failure to pay the premium or losing your license to drive. At the end of the policy period, the company may refuse to renew your policy, but they must give you 20 days advance notice.

    Auto Damages/Injuries from Uninsured Motorists

    Each newly written Indiana auto liability policy must include uninsured and underinsured motorist’s coverage unless you reject this in writing. Minimum liability limits are:

    • Uninsured Motorists: Bodily Injury: $25,000/$50,000
    • Property Damage: $25,000
    • Under insured Motorists: Bodily Injury: $50,000

    The uninsured and underinsured motorists coverage allows you to collect these damages from your own insurance company.

    What is a Certificate of Compliance?

    A Certificate of Compliance is a form that must be filed by your auto liability insurance agent after an accident or following a traffic violation. Filing this form certifies your financial responsibility. This form is required by the Indiana Bureau of Motor Vehicles.

    DO NOT SEND ANY COMPLETED Certificates of Compliance to the IDOI. It will not reach the BMV, and you could end up losing your driving privileges for failure to file it.

    Turned down by an Insurance Company?

    You can apply for the Indiana Auto Insurance Plan through any insurance agent in Indiana. Each insurance company licensed in Indiana may participate in this program by taking its share of the drivers who have difficulty buying insurance.




    What Public Liability Insurance is and why it is important to have

    #engineer #liability #insurance


    #

    What Is Public Liability Insurance?

    Public Liability (or PL Insurance as it is sometimes known), covers your liability for any damage you may do to another person – or property – accidentally whilst undertaking work. This could be a simple accident such as someone falling over your computer cable through to more serious issues that could leave people scarred or disabled for life.

    Public Liability Insurance should be considered essential if members of the public or customers visit your premises or you travel to your customer’s premises. The risks of not having PL Insurance are not worth it due to the substantial costs you are possibly liable for. Click here to read more further down the page.

    How bad can it get if I don’t have any public liability cover?

    The short answer is very bad. I believe there was a case not so long ago that demonstrated this, where a photographer was undertaking work for a Local Authority – luckily he had £5 million public liability cover. As he was taking pictures of the mayor shaking hands at a Civic ceremony, he stepped back and knocked an old lady who was behind him on the pavement. She wobbled and fell, hitting her head on the corner of a paving stone. The accident left her severely brain damaged and she required constant care 24 hours a day. The business owner was taken to court and the family won £3.1 million in damages to ensure her care for the remainder of her life. This was a case in the UK!

    Courts take a dim view of some accidents now, and with the growth of the “where there is blame there is a claim” culture, it is very important that you arrange suitable cover.

    Surely, I can get away without it?

    Still not convinced? The other thing PL covers is 3rd party property damage. This would cover you if you damaged someone else’s property whilst conducting some work. For example, you could lean against a wall and knock part of it over with your weight! The fact that the wall was not “secure” enough is no protection in law. You would be responsible for the repair to it – after all, the property owner would argue that the wall was fine before you leaned on it! A simple accident like this could cost in the region of a £1,000. Or, a more common claim, would be knocking over something in a client’s house whilst you were there on business. There is usually an excess, so it is worth remembering to try and be as careful as you can when your dealing with others!

    What level of cover do I need?

    Packages are available offering £1 million, £2 million and £5 million PL cover. If you are working in hotels, restaurants, for a Local Authority or in a shopping centre then the chances are you will be asked for the £5 million option. As with anything, the more cover you require the more expensive it becomes, but £2 million seems to be a popular starting point.

    What shall I do next?

    Contact us of course! We offer very competitive and specilist Public Liability insurance quotations for over 200 trades, professions and contractors, including builders, hairdressers, carpenters, decorators and gardeners. What’s more – buy your business insurance from our website and get £20 off your premium*!

    If you would like to know more about this insurance, or are unsure about what policy is right for you, one of our friendly team will be happy to help you.

    We’re here to help


    First Steps in a Medical Malpractice Case

    #malpractice #against #lawyers, #medical #malpractice #liability


    #

    First Steps in a Medical Malpractice Case

    Medical malpractice cases are generally sought by patients who have been harmed or injured due to poor medical treatment or mistaken diagnosis from a medical provider such as a doctor, nurse, technician, hospital or medical worker. Typically, the measure of whether a medical provider was “negligent,” or failed to provide proper care. turns on whether the patient would have received the same standard of care from another medical provider under similar circumstances.

    While the majority of health care providers aim to exercise the highest standard of care for all patents, there are times when things can go gravely wrong. If you or a loved one has experienced poor medical care, misdiagnosis, lack of consent, or breach of doctor-patient confidentiality that has resulted in harm or injury, you may be entitled to medical malpractice recovery.

    Below are some basic first steps in bringing a medical malpractice case.

    Contact the Medical Professional Involved

    The first step is to contact the doctor or medical professional who works with you before you actually file the claim. Your goal is to get an understanding of what may have gone wrong and allow your doctor to determine whether it is something that can be remedied. In most cases, medical providers are willing to perform services (sometimes free of charge) to correct a problem or provide a solution.

    Contact the Relevant Medical Licensing Board

    If contacting the medical professional does not help the situation, you may wish to contact the licensing board that governs medical licenses. While licensing boards typically cannot order the professional to compensate you, they can issue warnings or discipline to the practitioner and may be able to provide you with guidance about your next steps.

    Know How Long You Have to File a Claim

    When deciding whether to file a medical malpractice claim. it is important to find out how much time you have to legally bring the claim. All civil claims, including medical malpractice cases, have time limits as to when they must be filed. These limits, called “statutes of limitations,” require you to file your claim within a certain time period from when the injury occurred, or risk waiving your rights to recover money for your injuries. Check the state laws in your particular state to ensure the time period for filing your claim does not run out.

    Get a Medical Assessment to Confirm Your Case Has Merit

    A growing number of states require patients to file what is commonly known as a “certificate of merit” to determine that the injuries you suffered was the result of negligence on the part of a health care professional. To file a certificate of merit, must first contact an expert, usually another physician, to review your medical records and certify that the original healthcare provider deviated from accepted medical practices, which resulted in your injuries. The attorney that you hire will now file the certificate of merit, which confirms that you spoke with a medical expert and that your action has merit.

    Consider an Out-of-Court Settlement

    Medical malpractice cases can be timely and costly, which is why most medical malpractice cases are settled out of court. In addition, because medical malpractice insurance companies reject a significantly large portion of medical malpractice claims, it may be in your best interest to settle out-of-court or risk having no case at all. Keep in mind, however, that if you believe you have a strong case, then you should seek a larger settlement.

    Free Initial Claim Review from a Medical Malpractice Lawyer

    Finding a qualified medical malpractice attorney can mean the difference between receiving compensation for your injuries and walking away empty-handed. An experienced attorney will be able to discuss the strengths and weaknesses of your case and advise you on a course of action moving forward. A good first step in finding the right attorney is to get a free initial claim evaluation from a medical malpractice lawyer .


    Cheap Liability Car Insurance Quotes – Titan Insurance, car liability insurance.

    #Car #liability #insurance


    Liability Car Insurance

    No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

    What is liability insurance?

    Liability insurance is usually comprised of 3 basic components:

    1. Bodily injury per person
    2. Bodily injury per accident
    3. Property damage

    Each coverage has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

    The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

    Liability insurance quotes

    Affordable liability insurance is easy to find if you know where to look. Titan offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $1 a day.

    Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.


    Liability Insurance, Progressive Commercial, what is automobile liability insurance. #What #is #automobile #liability #insurance


    Liability Insurance

    Vehicle liability insurance has two components always included together: Bodily Injury coverage and Property Damage coverage.

    Vehicle liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you’re at fault for an accident.

    Are you looking for General Liability Insurance?

    General Liability insurance is coverage that protects you against financial liabilities resulting from accidents such as spilling paint on someone’s carpet or someone slipping on your floor.

    If you cause an accident that injures or even kills another person, the Bodily Injury (BI) portion of your Liability insurance will pay for the related expenses. Bodily Injury (BI) will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and other expenses, up to the limits you select.

    If you cause an accident that damages another person’s property, the Property Damage (PD) portion of your Liability insurance will pay for the related expenses. Property Damage (PD) will cover the expense to repair or replace damaged items, including other vehicles, lamp posts, houses or even a pet, up to the limits you select.

    Liability insurance also will pay for your legal defense costs if you are sued as a result of your involvement with the accident.

    Who needs liability insurance?

    Anyone who drives a vehicle needs Liability insurance. In most situations, Liability insurance is required by law.

    For-hire truckers operating under their own authority must have Liability insurance in order to obtain a filing.

    Liability insurance limits and other details

    Liability insurance requires you to select limits. These limits determine the maximum amount your insurance company will pay if you need to use the insurance coverage. Limits are described either as split limits or as a combined single limit.

    Need vehicle liability limits above $1 million?

    In certain states, we offer liability limits up to $2 million to satisfy the contractual requirements of some employers.

    Split limits are three numbers that describe the following:

    • Maximum Bodily Injury payment per person
    • Maximum Bodily Injury payment for all people in the entire accident
    • Maximum total Property Damage payment for all property in the accident

    For example, if you choose split limits of $15,000/$30,000/$10,000:

    • $15,000 would be the most your insurance would pay each person injured in an accident.
    • $30,000 would be the most your insurance would pay for all people injured in the accident.
    • $10,000 would be the most your insurance would pay for all property damaged in a single accident.

    With a combined single limit, or CSL, only one number is used to describe the limits for both Bodily Injury insurance and Property Damage insurance. In this case, there is no specific limit per person, just a grand total maximum that will be paid for all injuries and property damage that you cause that result from a single accident.

    For example, if you selected a combined single limit of $1 million, your insurance company would pay up to $1 million for all medical and injury-related bills and all property damage expenses that you caused in an accident.

    Liability insurance example:

    You can’t stop your van in time, and rear-end the car in front of you.

    The other car’s bumper is damaged, and the other driver has a sprained wrist.

    You have a combined single limit of $300,000 for your Liability insurance.

    The Bodily Injury component of your Liability insurance would pay the other driver’s $1,500 medical bill wrist X-rays.

    The Property Damage component of your Liability insurance would pay the $1,000 bill to replace the other car’s bumper.

    Since you chose a combined single limit (CSL) of $300,000, your total Liability expenses of $2,500 are completely covered by your insurance.

    Liability insurance exceptions and restrictions

    Your Property Damage insurance limits cannot exceed your Bodily Injury insurance per person limits if you choose a split limit.

    Multiple vehicles

    • If one vehicle on the policy has Liability insurance, all of the vehicles must have it.
    • The selected Liability limits must be the same for all vehicles on a policy.

    State minimums

    • Each state sets laws regarding how much Liability insurance its residents are required to have. This is known as your state’s minimum limits or minimum limit requirements.

    Fortunately, Progressive knows the requirements for each state and will make sure you have at least the minimum amount of Liability insurance required to meet your state’s laws.


    Cheap Liability Car Insurance Quotes – Titan Insurance, liability insurance automobile. #Liability #insurance #automobile


    Liability Car Insurance

    No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

    What is liability insurance?

    Liability insurance is usually comprised of 3 basic components:

    1. Bodily injury per person
    2. Bodily injury per accident
    3. Property damage

    Each coverage has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

    The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

    Liability insurance quotes

    Affordable liability insurance is easy to find if you know where to look. Titan offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $1 a day.

    Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.


    Cheap Liability Car Insurance Quotes – Titan Insurance, cheapest liability car insurance.

    #Cheapest #liability #car #insurance


    Liability Car Insurance

    No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

    What is liability insurance?

    Liability insurance is usually comprised of 3 basic components:

    1. Bodily injury per person
    2. Bodily injury per accident
    3. Property damage

    Each coverage has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

    The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

    Liability insurance quotes

    Affordable liability insurance is easy to find if you know where to look. Titan offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $1 a day.

    Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.


    Commercial General Liability (CGL) Definition #general #liability #insurance #meaning


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    Commercial General Liability (CGL)

    DEFINITION of ‘Commercial General Liability (CGL)’

    A type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’ operations, products, or injury that occurs on the business’ premises. Commercial general liability, or CGL, is considered comprehensive business insurance, though it does not cover all risks that a business may face.

    BREAKING DOWN ‘Commercial General Liability (CGL)’

    Commercial general liability policies have different levels of coverage. A policy may include premises coverage, which protects the business from claims that occur at the business’ physical location during regular business operations. It may also include coverage for bodily injury and property damage that is the result of finished products. Excess liability coverage can also be purchased in order to cover claims that exceed the limit of the CGL policy. Some commercial general liability policies may have exclusions to what actions are covered. For example, a policy may not cover the costs associated with a product recall.

    When purchasing commercial general liability insurance, it is important for the business to differentiate between a claims-made policy and an occurrence policy. A claims-made policy provides coverage over a specific time period, and covers claims that are made during that time period even if the claim event occurred at a different time. An occurrence policy is different in that it covers claims provided that the claim event occurred during a specified time period, and does not cover claims stemming from claim events that occurred before the policy came into effect.

    In addition to commercial general liability policies, businesses may also purchase policies that provide coverage for other business risks. For example, the business may purchase employment practices liability coverage to protect itself from claims associated with sexual harassment, wrongful termination, and discrimination. It may also purchase insurance to cover errors and omissions made in financial reporting statements, as well as insurance that covers damages resulting from the actions of its directors and officers.



    General Liability Insurance, Hiscox Small Business Insurance, small business insurance quotes general liability.#Small #business #insurance #quotes #general #liability


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    General Liability Insurance

    General liability insurance protects your business from another person or business’s claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below:

    • Bodily injury :A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy’s limits of liability.
    • Property damage and data loss : You spill coffee on a client’s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy’s limits of liability.
    • Personal injury : One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy’s limits of liability, and pay for an attorney to defend you if necessary.

    Get Liability Insurance that best meets your needs.

    General liability insurance will not protect you from everything. For example General liability will not cover you against claims of negligence, even if it isn’t you or your business’ fault. Some people buy other business liability insurance along with general liability

    • Professional liability insurance, also known as E O Insurance, is coverage for another person’s claims against businesses that provide professional and personal services.
    • Business Owners Policy (BOP)В is enhanced insurance that combines general liability insurance and property insurance.

    Why do you need Commercial General Liability Insurance?

    You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

    • Interact with clients face to face – If you visit a client’s place of work, or clients visit yours
    • Have access to a client’s equipment – В For example, IT professionals should be covered against potential claims with IT business liability insurance
    • Represent your client’s business
    • Use third-party locations for any business related activities – For example, architects should make sure that they’re covered with architects business liability insurance
    • Are required to have general liability insurance before entering into a contract

    Why choose Hiscox coverage?

    Hiscox specializes in business liability insurance for professional services businesses like yours.

    • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help manage your cash flow.
    • Tailored Insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
    • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
    • Coverage for contracts: Our liability insurance coverage satisfies most standard contract insurance requirements.
    • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
    • Passion for service: 97% customer satisfaction rating and we were voted in the top 100 Business Influencers of 2014.

    Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you still have questions, read our general liability insurance FAQ’s or you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.



    Real Estate Professional Liability Insurance #professional #liability #insurance #for #engineers


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    Main Navigation

    Real Estate Professionals Liability

    As real estate professionals, while you may be committed to your clients, they may not always return the favor. No matter the size of your business you face potential exposures as client expectations are increasing and lawsuits are becoming more common.

    Travelers Knows Real Estate Professional Liability

    Coverage is specifically designed to offer protection to real estate professionals for the array of emerging exposures you face and can help protect your firm against losses resulting from negligence, errors, and omissions in the performance of professional services. This errors and omissions policy can be tailored to fit your business needs.

    Key policy benefits:

    • Network and information security offense coverage
    • Bodily injury and property damage coverage
    • Crisis event expense coverage
    • Claim services and pre-claim assistance

    As part of your coverage, Travelers provides a broad array of risk management services to assist in proactively mitigating legal liability exposures including a risk management helpline which provides up to a one-hour consultation with Litchfield Cavo*, a premier professional liability defense firm. This helpline provides confidential, knowledgeable, expert resources on a wide range of risk management topics.

    Who is this right for?

    Real Estate Agents
    Real Estate Brokers
    Property Managers



    Texas Houston Auto Insurance from Nationwide, cheap liability insurance in texas.#Cheap #liability #insurance #in #texas


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    Texas Auto Insurance

    Feel secure knowing you have an insurance provider you can rely on.

    Search all Texas Agents

    Texas Links

    Everything’s bigger in Texas and that means there’s so much more to discover. From day trips exploring Big Bend country or Palo Duro Canyon, to weekend getaways along the Gulf Coast, trust that Nationwide can protect you and your car while you explore the Lone Star State.

    Before you get a quote, make sure to visit our Texas Auto Coverage page to learn your state’s minimum coverage requirements.

    Take advantage of Nationwide’s features

    Nationwide makes it easy for you to find dependable auto insurance in Texas. We can show you options so you can choose the coverage that’s right for your needs, goals and budget. Explore the features below to learn more about what we can offer you:

    Cheap liability insurance in texas

    On Your Side ® Claims Service

    Choose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle. 1

    Cheap liability insurance in texas

    Discounts Helping You Save

    We offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.

    Cheap liability insurance in texas

    95% of Members Would Recommend Nationwide

    Learn why so many of our members would recommend us to friends and family. 2

    Cheap liability insurance in texas

    SmartRide ® Program

    SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn. 3

    Cheap liability insurance in texas

    On Your Side ® Review

    Enjoy a free consultation with an agent who’s here to help you get the protection you need at the price that’s right for you.

    Cheap liability insurance in texas

    Resources at Your Fingertips

    Make payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.

    Find local agents in your neighborhood

    We have Nationwide agents throughout Texas. Search for your local agent.

    Protect your home and car

    Nationwide offers a full range of insurance and financial products in Texas for your home, car, family and financial security. Simplify your life and save more by bundling your coverage. Check out our other policies for Texas residents.

    Insurance terms, definition and explanations are intended for informational purposes only and do not in any way replace of modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by State, and exclusions may apply.

    [1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.

    [3] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.



    Liability vs #liability #vs #collision


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    Liability vs. Collision vs. Comprehensive Insurance

    Liability, Collision and Comprehensive are the three main types of auto insurance policies on the American market. Let us see what each of them stands for and what the differences are.

    Liability insurance

    Liability insurance is the bare-bone auto coverage that protects other people and their properties if you cause an accident. It is mandatory in most states (only New Hampshire, California and Wisconsin allow resident motorists to drive without Liability insurance, but they ask for alternative proof of financial responsibility).

    A Liability insurance policy is made of Bodily Injury Liability and Property Damage Liability, and each state has its own minimum thresholds which are referred to as an x/y/z triplet, where:

    • X is the amount, in thousand dollars, that goes towards medical expenses per injured passenger, but not more than y for the whole accident,
    • Z is the amount, in thousand dollars, that goes towards repairs on other peoples properties.

    Minimum limits are usually in the range of 25/50/25, but there are states like Alaska or Maine with 50/100/25 and, on the lower end, we ve got Ohio with 12.5/25/7.5.

    Collision insurance

    Collision, as the name says, protects your car in case you hit other vehicles, people or non-moving objects like fences, poles or kiosks. It will cover you, regardless of who was at fault in an accident. As a side note, collision with animals isn t covered by this type of insurance. If you live in a rural area where domestic animals are likely to be on the loose on public roads, you should consider getting a Comprehensive policy.

    Should your car get severely damaged, a Collision policy should pay for the towing and storage and, of course, cover the costs of repair. One of the rare scenarios where your Collision claim might be denied is if the car broke down mechanically due to improper maintenance.

    Comprehensive insurance

    Comprehensive covers everything that Collision doesn t and is often referred to as “other than Collision”. It protects you from theft, fire, vandalism and severe weather conditions. Some Comprehensive policies may cover your car from natural disasters as well. Most insurance companies won t sell you a Comprehensive policy without a Collision one.

    Even though Comprehensive isn t mandatory in any state as of now, if you have a financed car then your lien holder will most likely ask you to purchase a Full insurance policy, meaning you have to buy both Collision and Comprehensive insurance, as well as the state-mandated Liability policy.

    Both Comprehensive and Collision policies are subject to a deductible, i.e. an amount you have to pay out of your pocket when you file a claim, before the insurer provides the agreed difference. Typical deductibles are between $250 and $1,000, but you can opt for a much higher one. Minimum deductibles vary from one insurer to another and there are even companies who will sell you a Comprehensive or Collision policy with no deductible.



    California Auto Liability Insurance – Insurance Articles and RSS Feeds #liability #insurance #california


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    Car Insurance Articles

    California is known to be a tort law state when it comes to car insurance since it requires liability coverage. Auto liability was designed to pay for third party injuries and property damages and is the mandatory minimum coverage for operational vehicles.

    Get Instant Quotes on CA Liability Coverage

    The Internet is a fast way of getting California auto insurance quotes for whatever coverage you may need. OnlineAutoInsurance.com saves the hassle of repeating the quote request process over and over to make a comparison. Simply answer one set of quick questions to instantly compare quotes from up to 10 insurers to find the cheapest rates.

    California State Auto Insurance Law

    The minimum coverage required by the law of California is commonly referred to as 15-30-5 . It actually means that $ 15,000 is the amount of physical injury liability protection required on a per person basis, $ 30,000 is the total in the event of multiple injured parties and $ 5,000 is the coverage if any property was damaged in that accident.

    It is important to know that this coverage protects only the other people which the policyholder may have been liable for causing injuries or property damages. The limits required in California are not very extensive. They actually are rarely sufficient when it comes to covering all the incurred expenses because nowadays, hospital and vehicle repair costs are through the roof. In the event that the protection limits are exceeded, the policyholder may be left responsible and can be sued personally for unpaid damages; therefore it is always better to carry higher limits than the minimum requirements. The difference in price is usually insignificant.

    Although Uninsured Motorist Coverage UM is not mandatory by laws, it is required for policy applicants to sign a waiver for this coverage acknowledging that the coverage was offered by the representative and it was declined. UM provides protection against the underinsured and uninsured drivers out there; so, consider obtaining a quote on this added protection since it may not increase the rates by more than several dollars per month. Good news for drivers is that California laws require an insuring company to offer the lowest possible price to the consumer which they qualify eligible for; however, it is the insured s responsibility to be knowledgeable about discounts and ways to qualify such as low mileage and prior insurance discounts.

    CA Auto Insurance FAQ

    For more information and answers to common auto insurance questions. visit OnlineAutoInsurance.com

    Permission is granted to republish this article, free of charge, as long as embedded links remain intact and articles are not changed, edited, or reworded.



    John Cole #professional #liability #insurance #law #enforcement


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    John D. Cole

    John has more than 20 years experience as a senior insurance industry executive, serving as both chief claims officer and general counsel. He specializes in claims and legal issue management, regulatory and compliance issues, complex insurance, and mass tort litigation and serves as a certified reinsurance arbitrator.

    Representative Experience

    • Advises clients on complex litigation strategy and resolution, claims management best practices, and insurance/reinsurance issues.
    • Provides expert consultation on claims practices and mass tort exposures, including bad faith and insurance coverage disputes.
    • Provides strategic advice on litigation exposure and management, claim best practices, and regulatory compliance.

    Professional Experience

    • Executive Vice President and Chief Claims Officer, Zurich North America and Corporate Director, Zurich American Insurance Company (2000-2002). Responsible for the direction of all North American claim operations for the third largest U.S. commercial insurer
    • Executive Vice President Legal Services, Zurich American Insurance Group (1992-2000)
    • Senior Vice President and Chief Claims Officer (1990-1992) and Senior Vice President and General Counsel (1986-1990), Maryland Casualty Company

    Affiliations

    • American Insurance Association (AIA)
      • Alternate, Board of Governors (1986-1991)
      • Claims Administration and Law Regulation Committee (1987-2002)
    • Founding Board Member, Asbestos Claim Managers Association (1981-1985)
    • International Association of Defense Counsel (IADC)
      • Vice President, Insurance and Board of Governors (1994-1996)
    • Founding Chair, Insurance Environmental Litigation Association (1986-1988)

    Recognitions

    • Included in TheInternational Who’s Who of Insurance Reinsurance Lawyers (2013-2016)

    News Insights

    April 7, 2017 | Chicago, IL | Speaking Engagement



    General Liability Insurance Definition – Understand General Liability Insurance Definitions #general #liability #insurance #definition, #general #liability #insurance, #liability #insurance, #commercial #liability #insurance, #restaurant #liability #insurance, #small #business #liability #insurance, #general #liability #insurance #quotes


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    General Liability Insurance

    General Liability Insurance Definition

    A general liability insurance definition clarifies the differences between this form of coverage and other types of liability insurance. When you’re looking for coverage to protect your company against losses due to litigation, you’ll find that there are a number of plans that insure commercial entities. Each of these plans meets the needs of different types of businesses. Use the resources on this website to learn about the definition of different forms of protection for businesses.

    The general liability insurance definition refers to a plan that insures your business against lawsuits due to bodily injury, personal injury, property loss or advertising injury. If a complaint goes to court, your insurance benefits would pay for your legal fees and for damages awarded to the plaintiff. General liability insurance secures your business’s financial assets when you are involved in litigation due to an accident or mishap.

    Covered General Liability Risks

    The general liability insurance definition encompasses bodily injuries. If one of your clients, guests, vendors or even a trespasser is injured on your premises, you may be held legally responsible for their medical expenses. Some businesses choose to extend their general liabilities protection with a no-fault medical payments plan, which pays for minor medical care in order to avoid litigation.

    Property losses are included in the general liability insurance definition. If a fire breaks out at your workplace and a neighboring building is destroyed, you may be held liable. Property damage may be significant if an occurrence has widespread effects. By definition, your plan should pay benefits to defend you against lawsuits resulting from these occurrences.

    If a customer or member of the public feels that you breached their privacy or harmed their reputation through false advertising, you could be sued for personal or advertising injuries, according to the general liability insurance definition. Personal and advertising injuries are not always easy to define. In order to be awarded damages, a plaintiff must prove that the injuries occurred as a result of something your business did. However, you may still pay considerable legal fees defending your company.

    Businesses that Need General Coverage

    According to the general liability insurance definition, any commercial organization that offers a product or service to the public can benefit from this form of insurance. A large or small business involved in retail, hospitality, manufacturing, production and assembly or other industries can reinforce its risk management strategy with adequate coverage against liabilities.

    In today’s litigious environment, lawsuits can have a devastating effect on your company’s financial future, especially if you live in a state where the preponderance of commercial cases are decided in the plaintiff’s favor. Although you can’t change this aspect of the court system, you can reduce your exposure to liabilities by making your work place as safe and secure as possible.

    Errors and omissions committed by a highly trained professional in private practice are not included in the general liability insurance definition. These occurrences, which may fall under the definition of negligence, are covered by professional liability insurance policies. In general, counselors, therapists, medical consultants, architects and other professionals who offer solutions or advice require professional liability insurance.

    Purchasing General Liability Protection

    A company has the option to purchase property and liabilities protection in a single package, called a business owners policy, or BOP. However, the general liability insurance definition is limited to policies that focus exclusively on protecting your business against the financial effects of litigation. By definition, this type of coverage is more extensive and has more versatile applications for your organization.

    The internet makes it easy for you to compare quotes from different providers and investigate the definition of each plan they have available for businesses like yours. If the definition of a covered risk or benefit mentioned in your contract isn’t clear, ask your broker or a company representative to clarify it for you. When you’re investing in this important form of protection, it’s crucial to understand the terms of your agreement so that you can get the most value from your plan.

    Over time, if your business doesn’t file very many claims, you may be eligible for a reduction in the cost of your plan. Reducing claims can often be accomplished by implementing simple precautions like keeping stairways free from clutter, repairing broken fixtures immediately and keeping your floors free from spills. Talk with your insurer about easy-to-implement risk management strategies that can save your company thousands of dollars in litigation costs.

    Once you understand how the general liability insurance definition differs from other policies, you’ll know whether this type of contract meets your company’s requirements. A broker or agent can work with you to find protection that suits the size and nature of your organization. Take advantage of the tools on this website to secure the best form of coverage for your company.



    Minimum car insurance requirements #liability #insurance, #minimum #car #insurance #requirements


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    Minimum car insurance requirements

    Most states require you have car insurance and have laws that outline the minimum level of coverage you must buy.

    The minimum limits your state requires, however, may not necessarily be adequate. A car accident can cost far more than the limits mandated by most states. The Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident (known as 100/300).

    How to read auto insurance liability limits

    1. First number: Bodily injury liability maximum for one person injured in an accident.
    2. Second number: Bodily injury liability maximum for all injuries in one accident.
    3. Third number: Property damage liability maximum for one accident.

    For example, if you live in New York, the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $10,000 for property damage in an accident (written as 25/50/10). Plus, New York requires you to have personal injury protection (PIP) and uninsured motorist bodily injury coverage (UM).

    UM, what?

    Here’s your guide to the car insurance acronyms in the chart below.

    • UM = Uninsured motorist coverage.
    • UIM = Underinsured motorist coverage.
    • UM BI: Uninsured motorist bodily injury coverage.
    • UMPD: Uninsured motorist property damage coverage.
    • PIP: Personal injury protection.
    • PPI: Property protection insurance (Michigan).
    • BI liability: Bodily injury liability.

    Car insurance requirements by state

    * New Hampshire doesn’t require car insurance, but you must be able to show proof of financial responsibility if you’re in an accident.

    Uninsured and underinsured motorist coverage

    A total of 21 states, plus the District of Columbia, require either uninsured motorist (UM) bodily injury coverage by itself or both UM coverage and underinsured motorist bodily injury (UIM) coverage.

    Uninsured motorist bodily injury covers medical expenses if you or your passengers are injured by an uninsured driver. Underinsured motorist is triggered when the at-fault party is insured but his insurance limits are too low to pay all of your medical bills.

    Uninsured motorist property damage (UMPD) covers damage your car received from an accident with an at-fault uninsured driver. UMPD is required in only eight states.

    What is no-fault car insurance?

    If your state has a “no-fault” auto insurance law, your auto insurance policy must pay medical bills for you and your passengers regardless of who caused the accident.

    Your no-fault coverage — which is your personal injury protection (PIP) — may come with a copayment and/or deductible. No-fault coverage applies only to bodily injury claims. If you also have car damage, you would make a claim for the damage against the at-fault party s property damage liability coverage.

    No-fault laws are intended to keep insurance fraud down.

    Deciphering auto insurance liability across state lines

    If you hold the minimum automobile insurance required in your state and are involved in an accident in another state that requires higher minimum coverages or other coverage (such as personal injury protection), typically your policy will automatically increase to meet that state’s minimum coverage requirements.

    For example, if you’re a Connecticut driver (where minimum liability coverage is $20,000 of bodily injury protection per person, $40,000 of bodily injury protection per accident and $10,000 of property damage per accident, referred to as 20/40/10) and are involved in an accident in New York (which requires 25/50/10 of liability coverage), your auto insurance will automatically extend to meet New York’s requirements. This boost can be helpful, especially when you cause a large amount of property damage.

    Some states restrict the ability of their citizens to sue one another for pain and suffering after a car accident. Puerto Rico (a U.S. territory) and 12 states have “no-fault” laws:

    These laws mean that your car insurance must pay for bodily injury damages no matter who’s at fault in an accident. However, these same states allow their citizens to litigate against folks from other states after a car accident.

    For example, you are limited in your ability to sue for damages if you live in Pennsylvania. When buying your auto coverage you have two choices of liability: “full tort” or “limited tort.” If you choose “limited tort,” you will pay less in premiums but you won’t be able to sue another Pennsylvanian for pain and suffering unless you’re seriously injured and your medical bills exceed a specified minimum amount. What constitutes a serious injury is outlined in your car insurance policy. If you choose full tort, your premiums will be more but you will be able to sue no matter the amount of your damages.

    Throw out the rulebook if someone from another state crashes into you. Even if you have Pennsylvania “limited tort,” you’ll be able seek compensation for pain and suffering in the court system if someone from outside Pennsylvania crashes into you.

    Visit Insure.com’s annual ranking of the best car insurance companies to shop for the best pricing on your required insurance coverage.



    Contractors Professional Liability – R #contractors #professional #liability #insurance


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    Contractors Professional Liability

    According to the International Risk Management Institute, contractors, project owners, and project professionals are increasingly interested in the niche market of contractors professional liability insurance (CPLI), according to a recent survey of insurers writing the business. Yet, less than half of all contractors in need of the coverage are buying it. Why is that? It might be that contractors don’t fully understand what the coverage is designed to do.

    It is important to understand that Contractors have a professional liability exposure when they perform or subcontract design, modify plans, change a manufacturer’s specifications, or provide professional construction management services to a project owner. This exposure is of increased risk in design build projects. Most if not all contractors general liability insurance policies include a professional liability exclusion that removes coverage for claims arising from their professional services work.

    CPLI is designed to provide the contractor with coverage for defense costs, third-party losses resulting from professional negligence, and pollution if coverage has been added. Defense cost coverage alone is important, even if allegations against the contractor are false, which can present the contractor with a financial burden that might significantly impact the bottom line. Sometimes the biggest exposure is a simple conversation or discussion between the contractor and owner that causes a professional liability situation.

    These policies do have exclusions; some of the common ones are; contractual, site safety, insured vs. insured, cost to repair faulty workmanship, and others. Coverage is readily available and we recommend all contractors consider contractors professional liability as part of their business planning.

    Take time to review your client’s exposures. If they are involved in any of the following, they are at risk for an uninsured loss: providing constructability reviews, selection of architects and engineers and other subcontractors, supervision of work, pre-construction services, construction manager activities, subcontracting design work or partnering in a joint effort with architects and/or engineers, employing the services of design professionals, and accepting responsibility for the project s design via contract.

    © 2013 R.E. Chaix & Associates Insurance Brokers, Inc. LIC#0726213



    California Dog Bite Law – Strict Liability for Owners #california #dog #bite #law, #attorney, #lawyer, #injury, #owner, #liability, #pit #bull, #dangerous #dog #law


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    California Dog Bite Law:
    Strict Liability for Dog Owners:
    Info for Attorneys Victims

    California s dog bite law imposes strictly liability on dog bite owners. If your dog bit somebody, you could end up paying big damages. Even if your e dog doesn’t have a history of biting or vicious behavior, you can still be held liable.

    That makes it a good idea to check with your insurance agent or carrier annually to see if you and your dog have appropriate coverage.

    California s Dog Bite Law:

    Calif. Civil Code 3342.

    1. The owner of any dog is liable for the damages suffered by any person who is bitten by the dog while in a public place or lawfully in a private place, including the property of the owner of the dog, regardless of the former viciousness of the dog or the owner’s knowledge of such viciousness. A person is lawfully upon the private property of such owner within the meaning of this section when he is on such property in the performance of any duty imposed upon him by the laws of this state or by the laws or postal regulations of the United States, or when he is on such property upon the invitation, express or implied, of the owner.
  • Nothing in this section shall authorize the bringing of an action pursuant to subdivision (a) against any governmental agency using a dog in military or police work if the bite or bites occurred while the dog was defending itself from an annoying, harassing, or provoking act, or assisting an employee of the agency in any of the following:
      1. In the apprehension or holding of a suspect where the employee has a reasonable suspicion of the suspect’s involvement in criminal activity.

    2. In the investigation of a crime or possible crime.

    3. In the execution of a warrant.

    4. In the defense of a peace officer or another person.

  • Subdivision (b) shall not apply in any case where the victim of the bite or bites was not a party to, nor a participant in, nor suspected to be a party to or a participant in, the act or acts that prompted the use of the dog in the military or police work.
  • Subdivision (b) shall apply only where a governmental agency using a dog in military or police work has adopted a written policy on the necessary and appropriate use of a dog for the police or military work enumerated in subdivision (b).
  • Calif. Civil Code 3342.5

    1. The owner of any dog that has bitten a human being shall have the duty to take such reasonable steps as are necessary to remove any danger presented to other persons from bites by the animal.
    2. Whenever a dog has bitten a human being on at least two separate occasions, any person, the district attorney, or city attorney may bring an action against the owner of the animal to determine whether conditions of the treatment or confinement of the dog or other circumstances existing at the time of the bites have been changed so as to remove the danger to other persons presented by the animal. This action shall be brought in the county where a bite occurred. The court, after hearing, may make any order it deems appropriate to prevent the recurrence of such an incident, including, but not limited to, the removal of the animal from the area or its destruction if necessary.

    3. Whenever a dog trained to fight, attack, or kill has bitten a human being, causing substantial physical injury, any person, including the district attorney, or city attorney may bring an action against the owner of the animal to determine whether conditions of the treatment or confinement of the dog or other circumstances existing at the time of the bites have been changed so as to remove the danger to other persons presented by the animal. This action shall be brought in the county where a bite occurred. The court, after hearing, may make any order it deems appropriate to prevent the recurrence of such an incident, including, but not limited to, the removal of the animal from the area or its destruction if necessary.

    4. Nothing in this section shall authorize the bringing of an action pursuant to subdivision (b) based on a bite or bites inflicted upon a trespasser, or by a dog used in military or police work if the bite or bites occurred while the dog was actually performing in that capacity.

    5. Nothing in this section shall be construed to prevent legislation in the field of dog control by any city, county, or city and county.

    6. Nothing in this section shall be construed to affect the liability of the owner of a dog under Section 3342 or any other provision of the law.

    7. A proceeding under this section is a limited civil case.



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    Foster & Eldridge, LLP, medical malpractice defense attorney, medical malpratice defense attorneys, middlesex county, health law attorney, Cambridge #chad #brouillard, #chad #brouillard #attorney, #chad #brouillard #lawyer,impact #of #e-discovery #on #healthcare, #foster-eldridge, #medical #malpractice #defense #attorney, #medical #malpractice #defense #attorneys, #e-discovery #on #healthcare, #electronic #medical #records, #electronic #health #records, #emrs, #ehrs, #data #breach, #mhealth #liability, #emrs #and #e-discovery, #middlesex #county, #health #law #attorney, #health #law #attorneys, #boston #attorneys, #foster #and #eldridge, #martin #c. #foster, #joan #eldridge, #daniel #j. #buoniconti, #kurt #m. #schmidt, #stephen #m. #fiore, #christian #hinrichsen, #rebecca #dalpe, #john #j. #heil, #chad #p. #brouillard #


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    Chad P. Brouillard

    Telephone: (617) 252-3366 Ext. 123

    Chad P. Brouillard graduated from the University of Massachusetts at Lowell with a B.A. magna cum laude, and with a dual major in English Literature and Philosophy. He then graduated from Boston College with a M.A. in Philosophy. During that time he worked with information technology for area Internet-based startup companies. Thereafter, in 2003, Mr. Brouillard obtained his J.D. from St. John University’s School of Law with a Dean’s List distinction. During law school, Mr. Brouillard interned with the United States Attorney’s Office and then with the Hon. Joseph M. McLaughlin, United States Court of Appeals, Second Circuit. He was also a Comment and Notes Editor for the American Bankruptcy Institute Law Review. Mr. Brouillard is admitted to practice in the Commonwealth of Massachusetts (2003), State of New Hampshire (2011), State of New York (2004), the Federal District Court for the District of Massachusetts (2005) and the United States Court of Appeals, First Circuit (2009).

    Mr. Brouillard is an international speaker on Electronic Health Records liability, e-discovery, data breach and healthcare technology liability for Continuing Medical Education, Continuing Legal Education and Risk Management programs.

    In 2012-2013, he has testified before the U.S. HHS Office of the National Coordinator (ONC) on three occasions as a content expert on EHRs, mHealth and medical liability concerns. For several years, Mr. Brouillard has been a speaker on “EHR Ediscovery” and “EHRs & Litigation” at the American Bar Association’s E-Discovery and Information Governance National Institute Annual Meetings in New York and Tampa, Florida. Mr. Brouillard authored the articles,”Emerging Trends in Electronic Health Record Liability,” “Continuing Trends in Electronic Health Record Liability,” “mHealth in the era of BYOD.” and “The Impact of E-Discovery on Healthcare Litigation” for the Defense Research Institute’s national magazine, For the Defense among many other publications.

    Present areas of practice include Medical Malpractice Defense, Healthcare Law, Healthcare e-Discovery, Healthcare Data Breach Response, Healthcare Technology and Representation of Medical Professionals before State Licensing Agencies. He has provided consulting services for the federal government, insurance companies, IPAs, ACOS, medical office practices and others pertaining to electronic health records, mobile health, ediscovery, healthcare technology, HIPAA Compliance and data breach response.

    Mr. Brouillard was awarded the 2014 MassDLA Rising Star Attorney of the Year Award. Mr. Brouillard has been named as a Massachusetts �Rising Star� attorney by Boston Magazine for 2011-2015 and a “Super Lawyer” attorney for 2016 & 2017. He also has been given a “Superb” 10/10 Avvo Attorney Rating for the years 2010-15.

    Memberships include: the Massachusetts Defense Lawyers Association (Board of Directors. Communications Chair. Medical Malpractice Subtantive Committee Chair), the Defense Research Institute (E-Discovery Liaison for the Medical Liability Committee 2008-2012; SDLO Liaison – Massachusetts, 2010-2012), the American Health Lawyers Association, the Massachusetts Society for Healthcare Risk Management, and AHIMA.

    Emmert v. Northeast Hospital Corp. __ Mass. App. Ct. __ (2015) which holds that an expert opinion to a medical malpractice tribunal is insufficient and speculative where the facts within the submitted record do not support the claim that the injury was more likely than not caused by the defendant�s negligence.

    Connaghan v. Northeast Hospital Corporation, 87 Mass. App. Ct. 1116 (2015); holding a defense jury verdict should stand despite plaintiff’s claims that undisclosed evidence was precluded.

    A.G. et al v. Elsevier, Inc. et al, (United States Court of Appeals for the First Circuit, Case Number 12-1559, October 2013.) holding that dismissal of plaintiffs� claim must stand where there is no plausible method to prove causation.

    Cruz v. Siddiqi et al. (SJC -00471, August 2013) confirms the Denton v. Beth Israel analsyis to be followed on motions to reduce bond for indigence, and clarifies the two situations where a judge may reduce the bond.

    Medina v. Hochberg, (SJC-11178, January 2013) which is the leading case limiting the potential liability of medical providers to non-patient third parties, holding that physician�s are not liable to third parties for their treatment of patients or their patient�s underlying medical conditions.

    Martino v. Malone, 81 Mass. App. Ct. 1130, 965 N.E. 2d 227 (2012) which holds that an expert submission to a medical malpractice tribunal is insufficient where the expert fails to specifically explain how the alleged harm is causally related to the alleged malpractice.

    Leavitt v. Brockton Hospital, et al. 454 Mass. 37, 907 N.E.2d 213 (2009) limits the potential liability of medical providers to non-patient third parties, holding that generally medical providers have no duty to detain or control their patients.