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High qualification in Magento theme development is a result of a long time of experience and hard work. What is our way of gaining Magento development skills? Magento is famous for its very good and solid documentation. A lot of data concerning Magento development, particularly
Magento theme development, can be found in official Magento manuals. It helps search for the answers on the development current questions. In the official documents also all the news, releases, updates, new features and tools information is placed.
Of course the theoretical descriptions are not enough to be an expert. Another our source of professionalism in Magento theme development is our experience and a lot of previous practice. Building lots of Magento themes our Magento developers polish their technical skills, aesthetic taste and Magento site structure understanding.
Most of our customers who already have a Magento theme from SOFTLOFT and start up new online store businesses, ask us for another theme for a new shop. The brilliant reputation helps us cooperate with more and more clients and at the same time broaden our experience. With every new Magento theme the level of our developers’ qualification raises. We have created a number of Magento themes for small, middle and large online stores of many different assortment focuses.
If you are looking for a Magento development team with a profound expertise, you have already found it! | https://soft-loft.com/blog/how-do-we-get-our-experience-in-magento-theme-development/ | 275 |
Flooded Basement Monroe, CT
Flooded basement disasters must be tended to without delay, which is why 911 Restoration Connecticut and our flooded basement Monroe team are available 24/7 ready to start pumping water out of your basement as soon as we arrive on scene. Your basement’s concrete, wood and brick can quickly absorb water like a sponge and cause severe structural damage in no time. This is why our flooded basement Bristol team responds within 45 minutes of every call so we can quickly perform our comprehensive water damage restoration services before costly repairs set in. In addition to restoring your lower level to a pristine state, our flooded basement Monroe pros strive to educate homeowners on how they can prevent a flooded basement scenario from happening again. Some of these tactics include:
- Inspecting hoses for damage
- Checking pipes for leaks, cracks and rust
- Ensuring sump pumps are in good working order
- Aim downspouts away from home
- Clean out gutters
- Inspect sewage backflow valve
We are licensed, insured and bonded to perform even the most complex water extractions and make needed plumbing repairs to keep your home safe. Call our flooded basement Monroe pros today and we will even file your flooded basement claim to your insurance company!
Does Insurance Cover a Flooded Basement?
According to research conducted by our flooded basement Monroe crew through the Insurance Information Institute, most major insurance providers will cover basement flooding so long as outside forces are not to blame. This means that any damage caused by rain storms or snow melt-off would not be covered and would require a supplemental policy. When it comes to protecting your basement and home from the perils of water damage you deserve the best flooded basement company in Monroe, so call us today!
What is the Best Flooded Basement Company in Monroe?
The best flooded basement company in Monroe is easily 911 Restoration because we always put the customer first and our flooded basement Monroe team is number one in customer service. Our 911 Restoration Connecticut technicians are very passionate about performing water removal jobs in this special city we love so much. Profiled by the ‘New York Times’ as an ideal place to live, the town of Monroe offers one of the finest school districts and boasts a tranquil ambiance throughout the community. When our flooded basement Monroe team responds to a washer burst or any other disaster that floods your lower levels, we take care to make sure the quality of our restoration services reflects this amazing community. Call our flooded basement Monroe company for fast, same day service and let us give you a free inspection before we rebuild your home to something better! | https://www.911restorationconnecticut.com/flooded-basement-monroe-ct/ | 529 |
January 13th is one of the most significant days in Boyertown history. Today marks the 113 Anniversary of the Rhoads Opera House Fire. On the evening of January 13th, 1908, 170 men, women and children perished in the fire. Meaning 10% of Boyertown’s population at the time, had died in one night. One fire fighter also died on the way to the fire.
69 News put together a wonderful documentary and tell the fascinating story of the events leading up to and what happened after the fire. You can watch it here.
Nearly 400 people were on the second floor of the building at the corner of Washington and Philadelphia Ave. when the fire broke out. However, two fire escapes were not only not marked, the window sills were 3’ high with locked windows. Walkways were narrow and all the doors opened inward creating a barrier when the crowd rushed the doors.
This incident was the catalyst that pushed the PA Legislature into passing new legislative standards for doors, landings, lighting and curtains, fire extinguishers, aisles and marked exits. All doors are now required to open outward and remain unlocked. Governor Edwin Stewart signed PA’s first fire law on May 3rd, 1909. This legislation served as a model for other states creating fire standards in public buildings.
This Sunday, January 17, 2021 at 1pm, The Boyertown Historical Society is hosting a wreath laying event in remembrance of the victims of the Opera House fire. It will be held at the Graves at the Unidentified. https://www.facebook.com/events/2773612172953708 | https://www.buildingabetterboyertown.org/post/the-boyertown-opera-house-fire | 335 |
November 2, 2018 – As the time change approaches on Sunday, November 4, the Midland Fire Department wants to remind residents to make another change that could save their lives: changing the batteries in their smoke alarms and carbon monoxide detectors.
The Midland Fire Department has joined forces with Energizer and the International Association of Fire Chiefs for the Change Your Clock Change Your Battery® campaign. The program urges all Americans to adopt a simple, lifesaving habit: changing smoke detector and carbon monoxide batteries when changing clocks back to standard time each fall.
Changing smoke detector batteries at least once a year is one of the simplest, most effective ways to reduce tragic deaths and injuries. The National Fire Protection Association reports that 71% of smoke alarms which failed to operate had missing, disconnected or dead batteries. This reinforces how important it is to take this time each year to check smoke and carbon monoxide detectors.
Additionally, the Midland Fire Department recommends replacing your smoke detectors every 10 years. Beginning in 2002, all smoke alarms must have a manufacture date marked on the outside of the smoke alarm. If your smoke alarm does not have a manufacture date, then it is more than 10 years old and must be replaced. When replacing your smoke alarms the Fire Department suggests purchasing alarms with 10-year lithium batteries.
In addition to testing fire safety devices, the Fire Department recommends that residents do the following:
- Use the extra hour on November 4 to plan and practice escape routes;
- Use both ionization and photo electric smoke alarms to alert people to home fires; and
- Prepare a fire safety kit that includes working flashlights and fresh batteries.
For more on fire safety, call the Midland Fire Department at 989-837-3410 or email Fire Marshal Tony Lelo at [email protected]. | https://www.cityofmidlandmi.gov/CivicAlerts.aspx?AID=1873&ARC=1966 | 372 |
Two recent cases where big high street names have been successfully prosecuted for breaches of The Regulatory Reform (Fire Safety) Order (RRO) appear to show that a postcode lottery applies to the penalties imposed for what seem identical offences.
B and M Retail Ltd that operates a chain of stores throughout the country was fined nearly £33,000 after pleading guilty to six offences under the RRO at their store in Mansfield Nottinghamshire. Revealingly the fines were itemised for each offence.
The fines included £4,000 for failure to create a suitable and sufficient fire risk assessment (You would think by now that all businesses should know they MUST conduct a fire risk assessment). There was also a £4,500 fine for having obstructions at fire exits and along fire exit routes plus a £5,000 fine for having fire doors locked.
In comparison retail giant Asda was also convicted and sentenced at Reading Crown Court for two identical offences at their Chippenham branch i.e. obstructed fire escape routes and combustible items obstructing fire doors plus a separate offence of having fire exit doors chained and locked. Asda received a £20,000 fine for each offence plus another £15,000 costs.
I cannot think of any other area of law where the punishment metered out is so arbitrary. Surely it is time to bring consistency and fairness to RRO enforcement?
On a different tack it never ceases to amaze me how creative some people can be in finding new ways to start fires in the home. Earlier this month 20 fire fighters and four fire engines from the London Fire Brigade attended an emergency call to a maisonette on Wartlersville Road in Upper Holloway. According to Watch manager Adam Barnett “two men had wedged a toaster in the on mode and were cooking a tin of spaghetti on top of it.” Left unattended the toaster obviously caught fire.
It turns out that there were no smoke alarms in the property that would have alerted the men to the danger but thankfully they escaped unharmed – and presumably hungry!!! | https://www.fireandsafetycentre.co.uk/blogs/news/fines-for-fire-safety-breaches-are-inconsistant | 424 |
At 07:04 Kuhl Hose Fire Company was called to 8961 Kuhl Road for a report of a structure fire. On arrival, Chief 680 reported heavy smoke and fire showing from the roof.
First units on scene battled with heavy smoke and fire conditions along with temperatures below zero. Units made a fire attack and contained the fire to the second floor and attic.
A tanker shuttle operation was set up from a municipal water source approximately 3 miles from the scene.
Units were called from to assist from Belle Valley, Kearsarge, Brookside, Greenfield, Wattsburg, Perry Hiway, City of Erie Fire, and Emergycare. Additional companies were called to replace companies on the scene that were affected by the weather. Each crew was rotated from the scene after 45 minutes due to the extremely cold temperatures and the associated problems that were faced.
Three Firefighters were transported to local hospitals for evaluation of injuries; Two firefighters were transported to Saint Vincent Health Center for head and neck injuries sustained when a portion of the roof collapsed, and both were treated and released. A third firefighter was transported to Hamot Shock Trauma for back injuries due to a fall. He was also treated and released.
The fire was under control in under in an hour and crews remained on scene until 11:30. The family of 5 was home at the time of fire but escaped without injury. The cause is still undetermined and is being investigated by the Fire Department and the Pennsylvania State Police Fire Marshal. | https://www.firehouse.com/photo-story/article/10550115/early-morning-fire-leaves-5-homeless-in-erie-pennsylvania | 305 |
Finding the cheapest car insurance can be a daunting task, but it doesn't have to be. With a bit of research and comparison shopping, you can find the best deal for your needs. According to NerdWallet's most recent analysis of minimum coverage rates, Geico is the nation's top cheapest auto insurance company. However, there are other smaller companies that may offer even lower rates.
When looking for car insurance, it's important to consider all of your options. Each insurance company calculates premiums slightly differently, so you may find that one company's quote is hundreds of dollars more expensive than another's. You can also get discounts if you insure several cars, own a newer vehicle, or install alarms and other approved anti-theft devices. Additionally, some states require insurers to give you a discount for completing a defensive driving course.
One way to keep rates low in the event of an accident is to buy accident forgiveness coverage with your car insurance. If your car insurance company offers it to you, you can also enroll in a usage-based telematics program that rewards you for your safe driving habits. In Michigan, although insurers can't use your credit score, they can use factors that contribute to your rating to calculate your rate. Central Insurance, MMG and Secura are smaller insurers that offer coverage in several states and have even cheaper car insurance rates than Geico.
Being labeled a high-risk driver can prevent you from experiencing the same low car insurance rate that drivers with a clean driving record have. If you want additional liability protection, but don't want to buy comprehensive and collision insurance, you should buy sole liability insurance with coverage levels higher than your state's minimum requirements. Full-coverage auto insurance offers the most financial protection, but if you're looking for the cheapest possible insurance, you can buy the cheapest state minimum insurance policy available to you. | https://www.getbudgetinsurance.co.za/ | 376 |
South Carolina homeowners insurance quotes
South Carolina is another one of those states with several different types of terrain and different risks to match.
Hurricanes, flooding, dangerous snowstorms, tornadoes – all these things happen in South Carolina, and the right homeowners protection is incredibly important.
As a homeowner in Palmetto State, you need to touch base and be acquainted with home insurance, the primary source of protection for homeowners and their families.
Become familiar with the intricacies that include coverage and trustworthy homeowners insurance companies in South Carolina with this guide!
At Insurance Geek, we supply South Carolina homeowners insurance quotes as painlessly as possible for our customers, no matter the South Carolina ZIP code.
Filling out our quote form down below is the only thing that you’ll need to do, and let us do the rest.
But before we get into that, let’s cover all the necessary information that you must know and all of the factors that might affect your homeowners policy in South Carolina.
South Carolina Home Insurance: The Basics
With about 5.15 million people inhabiting the state, South Carolinians can enjoy its magical shores and beaches as well as historically important sites and locations.
South Carolina has an astounding 68.9% homeownership rate, which is above the national average.
In order to obtain more information about home insurance rates and best homeowners insurance, just keep reading.
Like every imaginable corner of the world, South Carolina is prone to natural disasters and nature-caused afflictions, which makes homeowners insurance an absolute must.
In order to fully insure your home, it’s best to select an insurance company that your trust, so Insurance Geek will help you around all of the insurance companies in South Carolina.
Perils in South Carolina
It’s best to know what encompasses a “peril” in the sphere of home insurance companies – practically anything risk-inducing for your home. You should also be aware of how they affect home insurance rates.
You can file claims for perils included in your policy. The expenses will be covered if they occurred due to a covered peril.
This list includes the most common claims based on our experience when it comes to homeowners insurance in South Carolina:
- Tropical storm
- Drain and Sewer Problems
Naturally, there are more perils that can affect your home and also be covered by your homeowners policy.
It is useful to be acquainted with the ones that occur the most before you dive deeper into insurance companies and home insurance rates in South Carolina.
How are Average Premiums Determined in South Carolina?
Countless factors affect and determine premiums that you could get.
The crime rate, credit score, building materials, and weather are just a few that directly influence insurance rates from state to state. Since every client is a unique composition of varying factors, premiums will differ.
We are going to layout and describe the most important factors that affect the South Carolina home insurance costs
First and foremost, it’s important to mention the dwelling value – from the materials used in the construction of your home to the entire cost it would take to replace it to the present condition.
This is the information that aids the insurance company in assessing the home insurance rate and the dwelling coverage portion of your insurance.
Another factor that can drive the insurance rate up is a previous claim or multiple previous claims.
This signals that the property is at risk and that there are hazards occurring commonly around the location, or maybe even in your ZIP code area.
Condition of Your House
The condition of your home and your property will tell the insurance company many things that they need to know as they assess the potential hazards or risks.
This factor encompasses build materials, age, as well as the current state of your home.
Car Insurance and Other Bundle Discounts
Insurance companies have more preferable rates in South Carolina if you choose to bundle up!
Mixing and combining your policies will result in favorable discounts.
To score on home insurance discounts and protect your home, the homeowners company of choice will offer the possibility of bundling life and auto insurance together.
If you want to get to know more about bundle discounts, it’s best to speak to licensed agents who collaborate with the insurance company directly.
Insurance companies use a credit score to determine the premiums customers pay for their coverage.
What you need to pay attention to is that bad credit scores reflect a higher risk for insurance companies, and they also determine higher insurance premiums.
So, what you should do is make sure to have a clean financial record and pay loans etc. punctually to get lower premiums!
What Is the Best Option for Homeowners Insurance in South Carolina?
There are different types of homeowners insurance policies. Before choosing one, let us introduce you to the necessary information about them.
What you need to do first is choose between an ALL PERIL policy (known as “All Risks”) or a NAMED peril policy.
While all peril policies are plainly and easily understood when you get acquainted with the terms, we are going to shortly lead you through them.
ALL PERIL Policy
All PERIL policies offer coverage for all perils that are included, except for the ones that are excluded.
Therefore, an ALL PERIL coverage portion can safeguard you from damages done by catastrophic weather conditions.
ALL PERIL policies are also there to make your life significantly easier after a traumatic loss.
Should a certain peril be omitted, that is, it isn’t mentioned, then it isn’t covered.
A NAMED Policy
With the second option, you’ll be able to have a limited set of coverage options that will protect you against NAMED perils, which will be stated on your insurance policy plan.
Those that aren’t stated are also not covered.
Named policies are most commonly bought to cover gaps in the existing insurance policies.
What Kind of Policy Do do You Need in South Carolina?
If you’ve never been to South Carolina, you might not remember the damage from some famous hurricanes of the past 40-50 years, including Diana, Hugo, and other perilous storms.
There can be no doubt there’s a danger when it comes to living in coastal regions. Some of the bad weather spawned from hurricanes such as tornadoes and hail can truly wreak havoc on a homestead.
Hurricanes are just one peril that could be faced by residents of South Carolina.
As noted, PERILS are disasters that could damage your home.
The best way to protect against any of the perils above is to consider an ALL PERIL policy. This is one of the most inclusive ways you can take care of your home via your South Carolina homeowners insurance policy.
Get Home Insurance Quotes Today
Choosing and deciding upon the best insurance and home insurance rate can seem overwhelming and complex.
Insurance Geek is there to help you choose the best South Carolina insurance products.
This page will lead you to fill out a form to get a quote.
It’s a quick and painless experience, and you’ll only have to do it once.
We’ll ask you to provide some basic information, such as your ZIP code and address.
After you do that, we’ll generate real-time quotes from insurance companies for you.
We’ll also gladly talk through your situation with you and do everything we can to get the best quotes and tools to aid you in your specific needs.
There aren’t any tricks or shams involved with the quotes that you’ll get with us.
We work according to the “What you see is what you get” principle because we are closely involved with companies that provide us with real-time information.
With us at Insurance Geek, you get to decide for yourself. This means that there are no commitments stored in the back for you to be surprised with.
We ask you for information that is insurance-required in order to link you to the best possible service for you.
The companies that we trust with homeowners insurance are Nationwide, Safeco and Progressive.
Based on our experience, the deals that they provide are not only affordable, but also available in all states, and they don’t go over the average cost of insurance services.
Plus, they have excellent offers for life and auto insurance.
Can I Get a Discount?
Your discounts are dependent on your specific situation, so it always makes sense to check with your friendly Insurance Geek who can help you figure out what’s best for you.
One of the options to get discounts is to combine policies (e.g., home + auto insurance).
So much can factor into what your premiums will end up at, so it’s best to speak with an agent you trust.
Check out Our Pricing Tool!
We LOVE our pricing tool for its convenience, flexibility, and ability to get you the homeowners insurance that you’re looking for.
Our app works with carriers to assist in bringing you the best South Carolina homeowners insurance quotes out there. We’re looking forward to showing you how it all works!
Do You Need Homeowners Insurance?
Whether you’re an existing or a new homeowner, you should plan on having insurance.
Firstly, your mortgage lender may require you to have homeowners coverage. But even if that’s not the case, there are many more reasons you need it.
Having homeowners insurance in South Carolina can not just save you a lot of money on unexpected costs but also buy you peace of mind.
Current homeowners may decide to upgrade their existing conditions if their housing needs change, if credit scores change or if there’s a better deal afoot.
Top Cities & Metro Suburbs in South Carolina for Homeowners
The average annual cost of insurance in South Carolina is fluid and varies with locations.
Our customers come from places all around South Carolina:
- North Charleston
- Rock Hill
- Mount Pleasant
Note that average homeowners insurance may be a little cheaper in the suburbs, depending on some of the deciding South Carolina homeowners insurance factors we mention above.
Here are some of the top suburbs in South Carolina to consider if you’re looking to relocate somewhere smaller:
- Five Forks
- Tega City
- Seven Oaks
- Forest Acres
- Lake Wylie
- Isle of Palms
- Fort Mill
- Goose Creek
In the whole of South Carolina, we offer home insurance through Nationwide, Safeco, and Progressive at competitive rates.
What Does Home Coverage Include?
Before deciding upon specific home insurance as well as a home insurance company of your preference, it is wise to learn more about the home insurance coverage options.
Homeowners insurance in South Carolina and insurance policies can be complex.
To save you some time, we’ve broken them down for your ease of understanding.
What are the most common coverage types, and how do they work? Let’s see:
Coverage A – Dwelling Amount
Should anything happen to your property, dwelling coverage is there so that you would be able to file a claim that can cover the replacement cost of the physical structure of your home.
Natural disasters such as earthquakes, tornadoes, hail, and fire cause the most common property damages.
This part of your home insurance policy coverage specifically insures your home against it.
The factors that affect the assessment of dwelling coverage are materials and age. Basically, it boils down to the cost of your home and how much it would take to rebuild it should the need arise.
Coverage B – Separate Structures
The dwelling portion of your insurance doesn’t automatically count in separate structures.
The physically detached structures that do not affect the physical structure of your home but are still on your property – such as fences, mailboxes, gazebos – are expensive to replace once they are damaged.
To have the best homeowners insurance, better include them sooner than later cause, like all structures, they are vulnerable and damage-prone.
Coverage C – Personal Property
Homeowners insurance companies can include a policy to protect and insure your personal possessions, too, not just your home!
Your personal property items are things that aren’t included in the construction of your home.
Be it clothes, appliances, furniture, or precious heirloom, all of these are vulnerable and prone to damage.
Special variants of this policy coverage can be designed in order to protect any valuable art or antique jewelry in your possession as well.
An insurance company may offer different options for this sphere. Our agents and customer service can direct you to their differences.
For example, Nationwide has a “Valuable Plus” deal that can include this option while Safeco is there with their “Valuable Articles Coverage.”
Progressive also allows you to get additional coverage for the most valuable items.
Coverage D – Loss of Use
If your home becomes uninhabitable over a certain period of time, the loss of use insurance coverage portion of your homeowners insurance policy can aid you in these times.
Be it fumigation, repairs, remodeling, or damage done to your property that renders it non-functional for a while, you’ll be able to afford and cover:
- Rental living premises
- Food and restaurant bills
- Laundry expenses
And much more. No matter the ZIP code, your insurance company is there to look out for you.
You’ll be asked to provide proof of your (higher) expenses that naturally occur in these situations, and your insurance provider will assess them.
Coverage E – Personal liability
This type of coverage is there to protect you and your family against accidents that might happen. More precisely, against those accidents that you are found liable for.
Should a situation arise and you injure someone or inadvertently damage someone’s personal belongings, a claim can be filed and processed under this coverage and it will cover the costs of defense.
Coverage F – Medical Payments
This portion of your home coverage includes medical payments, and in nature, it’s similar to the previously mentioned personal liability coverage.
So, should any unfortunate event occur, the medical payments coverage will cover the medical care bills.
What Does a Home Insurance Policy not Include?
One of the coverages that are not included in your homeowners insurance is flood insurance, and it is usually issued separately through the National Flood Insurance Program.
Albeit flood insurance isn’t a part of your standard home insurance, your homeowners insurance company will provide you with an option to protect yourself against water damage.
Safeco, Nationwide, and Progressive will defray costs that arise as a result of sewer and drain backups or a Sump Pump failure.
Much like flood insurance, car insurance isn’t included in your standard package home insurance provided by insurance companies in South Carolina.
This is something that you want to include as your vehicle is not just one of your most valuable assets but also as exposed to risks as your property may be.
Make sure to consult an agent and include auto insurance, too.
What’s more to love about car insurance is the fact that it is easy to combine into bundles in order to get discounts.
Make sure to capitalize on car insurance to both secure your vehicle and cash on discounts!
Homeowners Insurance in South Carolina: FAQ
Q: What is the average cost of homeowners insurance in South Carolina?
A: The average annual homeowners insurance in South Carolina, according to the Insurance information institute, is about $2,300.
The average cost of South Carolina home insurance is such because coastal states are prone to hurricanes and other natural disasters, so it exceeds the average annual cost. However, with our assistance, home insurance in South Carolina can come at better rates and with great customer service.
Q: Who has the best homeowner insurance?
A: The best homeowners insurance in South Carolina is offered by Nationwide, Safeco, and Progressive.
What sets them apart from other companies that handle home insurance in South Carolina is their exemplary customer service as well as excellent home insurance Rates.
To protect your home and have the best insurance rates in South Carolina, you cannot go wrong with either of the companies!
Your lender may require you to have insurance, but you should get it first and foremost because the protection it offers is invaluable.
To score the best home insurance in South Carolina as well as great insurance rates that comply with the budgets of various clients, know that you are in the right place.
Insurance Geek works to secure you the best rates in South Carolina. Give us your ZIP code and watch us do the magic for you with as little hassle as possible! | https://www.insurancegeek.com/insurance/homeowners/south-carolina/ | 3,475 |
It is vital to integrate technology into the dynamic landscape of health care insurance to ensure efficiency, productivity and overall customer satisfaction. Remarkable transformations are occurring in the ever-evolving field with the advent of new technological tools that reduced human error in a remarkable way. Technology is making a significant impact on insurance verification, a process which is essential for healthcare providers as well as insurance companies. This process ensures that accurate information is obtained to facilitate seamless billing and claims processing.
Health insurance verification software and tools have emerged as pivotal components in streamlining administrative tasks, reducing errors, and enhancing the overall efficiency of healthcare operations. Insurance eligibility verification companies utilize the latest software solutions for insurance eligibility checks so that their client healthcare providers receive accurate reimbursement for the services they provide to patients.
Simplify your insurance verification services and receive optimized reimbursement!
Contact us today:
We are available at (800) 670-2809
Innovations in Technology for Insurance Verification in Healthcare
The healthcare sector is experiencing unprecedented levels of efficiency, convenience and accessibility with increasing use of the latest technological innovations. The right use of technology ensures streamlined processes, reduced costs, and enhanced customer experience. With increasing use of cloud platforms and related services, Big Data, Ai and Machine Learning are also bound to witness increasing significance. So, what are the most recent technologies that are proving to be highly beneficial for healthcare providers, insurance companies, and insurance verification agencies?
AI tools help automate insurance verification services and this helps to avoid the long waiting time required during the manual verification process. This in turn helps process more files in less time and enhance patient satisfaction. The documentation process is error-free, and systematic, automated verification processes also help reduce additional costs. Let us look at the possibilities offered by innovative technology for health insurance eligibility verification.
Interested in learning more?
Explore Insurance Verification Software and Tools here.
Software Solutions for Insurance Eligibility Checks
AI software tools can analyze patient records to determine whether they are eligible for insurance coverage at the point of time they make the claim. AI tools will scrutinize the intricacies of policy guidelines and conduct a thorough evaluation of the medial records.
Real-time Eligibility Verification
AI tools facilitate real-time eligibility verification of details provided in the EHR. Diagnosis, previous conditions, medical history, medical prescriptions, and so on can be accessed and verified easily. AI tools can identify whether any prescribed medical procedures require pre-authorization. This can reduce delays in the fund delivery and streamline the overall process. Providers can instantly verify a patient’s insurance coverage, deductible status, and co-payment details. This not only accelerates the billing process but also minimizes claim denials.
Want to learn more?
Click the link to explore Electronic Health Records and Insurance Verification Systems.
Integration with the Electronic Health Record
Seamless integration between insurance verification systems and Electronic Health Records (EHRs) has become essential for comprehensive patient care. By combining insurance information with medical records, healthcare providers can ensure that services rendered are accurately reflected in the billing process.
Ensures Enhanced Accuracy
Advancements in technology for medical billing and insurance verification services have resulted in the production of more accurate data. AI tools can classify and categorize documents and identify crucial billing information. Having this information in the required format improves data accountability.
The technological advancements implemented in the health care insurance sector have made it easy for patients to review their insurance plans. With the help of user-friendly technology, patients can easily access, review, update and monitor the status of their healthcare policies. Vital information can be communicated easily and this results in a drastic reduction of manual administrative work. Enrolling to schemes can be done virtually cutting the paper work, and required documents can be submitted online.
Blockchain, by eliminating the role of an authority, secures and manages valid data. Block chain facilitates secure and accessible storage for patient’s personal health information and payment details.
Blockchain eliminates the role of a “middle-man” provides a transparent and secure atmosphere for the patient. By the elimination of data transfer and analysis through multiple stakeholders, blockchain ensures timely services.
Advancements in technology for medical billing and insurance verification has paved the way for calculated risk predictions and assessment. AI tools can analyze the provided information and observe patterns by scrutinizing similar information in its database. This analytical output is used to make risk predictions and to anticipate the trend in the industry. High-value claims are identified easily and prioritized. Advanced AI tools analyze patient files and predict patient outcomes to design premiums accordingly.
Technological integration has moved beyond the limitations of using a single device; mobile applications that can ensure a smooth delivery of insurance services are available. Services can be availed without any spatial or temporal constraints. These applications use a simple user interface to guarantee hassle-free service to the user.
Personalized Healthcare Programs
Utilizing the insights provided by AI tools after analyzing EHRs, insurers, with the help of advanced AI software can design and offer personalized healthcare programs. Customized preventive care plans can be offered to improve the overall healthcare.
Electronic Fund Transfer
EFT facilitates a smooth and fast transfer of funds into the account of health insurance providers. Fast delivery of services is ensured and delays associated with paperwork are eliminated.
Use the Right Technology for Insurance Eligibility Verification
Choosing the right technology for medical insurance verification is vital as there are arrays of technological advancements which are occurring swiftly and often. The right technology can offer reliable solutions; some of the solutions offered through technological interactions are illustrated below.
Automated Verification Process
Advanced AI chat bots facilitate a smooth navigation through various steps of the insurance verification process. AI-driven bots swiftly scan and verify the relevant documents and channelize the process in the right pace. Intelligent document processing that uses OCR, deep learning and Machine Learning can save a remarkable amount of time and improve accuracy of the documents verified. Natural Language Processing aids in extracting important information from the documents verified, and helps to convert the extracted text into the required format. Application of NLP can create structured data from unstructured data sources. This process, by analyzing the discrepancies in medical documents, prevents fraudulent activities and false claims.
Real-time Verification during Hospital Visits
Advanced software is used to incorporate real-time verification in the insurance verification process. Validity and eligibility of the insurance coverage can be analyzed during the time of hospital visit itself. This can prevent unauthorized claims and will ensure that only eligible patients are availing the service. Application Programming Interfaces are used by the insurers to conduct real time verification and ensure a smooth flow of data between the stakeholders.
Instant Communication and Feedback
As the bots are equipped to analyze and rectify documents efficiently, communication regarding the processes will be clear, concise and instant. The chat bots can provide instant replies to the queries and offer impeccable support throughout the process. This advanced information exchange can assure timely processing of the claim.
Along with providing instant communication and feedback, automated notifications are sent to the policyholders. Information regarding coverage changes, premium plans and policy renewals are sent to the policy holders regularly.
By utilizing cloud storage and other means of secure storage facilities, technological integration can ensure the safety and security of data. An advanced storage facility ensures smooth access and facilitates a safe environment to share it securely with stakeholders involved.
Encryption algorithms are used while sharing sensitive information like patient case files, health records, billing details, etc. This will ensure the safety of data while transferring. To strengthen the encryption measures and ensure safe data transfer, SSL and TLS protocols can be utilized.
By utilizing advanced authentication measures, policy holders and insurers can ensure safety and security of sensitive information. AI tools use electronic signature system to authenticate information related to policies.
To ensure that an individual is getting access only to the necessary files, Role-Based Access Control (RBAS) can be implemented. RBAS will ensure that individuals are getting access to the files that are necessary for their purposes and access to other files is denied. Privacy and data security for verifying insurance details is ensured through proper implementation of RBAS.
AI-assisted verification avoids erratic reimbursement requests for medical services that are not covered in the insurance policy. AI tools identify the trends and patterns in claims and devise an appropriate reimbursement scheme. The insurer can allocate the resources efficiently and save more time by reducing delays.
AI-powered online tracking systems are utilized to assess the progress of claim. This can reduce the number of queries and make the insurer more accountable and transparent.
Denials of claims are scrutinized by AI tools and the automated denial management system paves the way for smooth resubmission measures. Steps required to ensure re-approval will be initiated by the AI tools.
Healthcare Regulations Compliance
With the new changes in technology, new ethical guidelines and regulations are updated frequently. Automated adherence to these guidelines ensures that the policy mandates are regularly updated. To ensure that the policy mandates are in accordance with the regulations implemented, databases containing updated guidelines are integrated with the insurance systems and regular automated analysis is conducted to check compliance. This integration is also utilized to conduct automated audits. Automated audits will verify the databases and ensure compliance with the current framework.
Along with ensuring compliance with regulatory frameworks, AI tools can generate automated compliance reports and reviews for regulatory bodies. This will reduce the amount of administrative work from the insurer’s side and ensure that only relevant data without any errors are being transferred.
AI tools equipped with deep learning and Machine Learning technology can enable the software to update itself by learning new patterns and can devise new security measures against evolving fraudulent activities. AI tools can verify databases that record previous fraudulent activities and insurers will be provided details regarding repetitive offenders and common suspicious activities. Protective measures can be taken in advance and this will ensure overall data security.
By integrating biometrics in data collection, fraudulent activities by means of identity fraud can be prevented. By integrating geospatial analysis, claims made from locations where the patient is not present can be identified and fraudulent activities prevented.
Fraudulent or unfair activities conducted by the hospitals can also be detected with the help of advanced software. AI tools are equipped to read financial documents and can categorize the contents efficiently. Patterns that reflect possibilities of unbundling, upcoding and excessive billing will be traced by the AI tools and this will prevent unfair billing practices.
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Integrating Technology for Insurance Verification with the Best Benefits
Insurance verification services now make use of artificial intelligence to enhance the service experience. Integration with artificial intelligence tools has resulted in a remarkable reduction of human errors, reduced paperwork, accentuated overall claim services, and optimized the overall functioning of health care services.
With optimized flow of information, catalyzed by technological integration, there is smooth and transparent connectivity between healthcare providers and insurance companies. Accuracy of data, timely services, and eligibility assessment have gained new dimensions in insurance verification services.
The scope of technological integration is not limited to the realm of service delivery; it has also revolutionized the grievance redressal mechanisms that are vital to health care insurance services. Concerns related to claim denials, unbundling, upcoding and excessive billing are properly handled by AI-powered chat bots. | https://www.outsourcestrategies.com/resources/technology-integration-insurance-verification/ | 2,320 |
On July 6, 2020, the Risk Management Agency (RMA) published Final Agency Determination: FAD-298, interpreting the preamble and section 14(i) of the Common Crop Insurance Policy Basic Provisions (Basic Provisions). https://www.rma.usda.gov/Policy-and-Procedure/Final-Agency-Determinations/Preamble-14i-FAD-298.
The requestor quoted the preamble and section 14(i) of the Basic Provisions relating the the use of loss adjustment procedures approved by RMA in the adjustment of any claim. The requestor interprets the policy provisions to mean that the loss adjustment procedures established by the RMA in the Loss Adjustment Manual (LAM) and a crop’s Loss Adjustment Standards Handbook (LASH) are part of the contract between the approved insurance provider (AIP) and the policyholder as established by the Basic Provisions. Therefore, if an AIP, or its employees, fail to comply with the loss adjustment procedures specified in either the LAM or a crop LASH, the AIP has breached the contract between the policyholder and the AIP.
RMA stated that it agrees that procedures established by FCIC in the LAM and the Apple LASH are part of the contract between the AIP and the policyholder. RMA stated the definitions of “contract” and “policy” contained in the Basic Provisions and referenced in the preamble are an agreement between the policyholder and the AIP. RMA also stated that, in FAD-249, published on RMA’s website on December 2, 2015, the preamble and section 14(i) of the Basic Provisions are codified in the Code of Federal Regulations and have the force of law. RMA states that the AIP must service a crop policy, including the adjustment of claims arising thereunder, in accordance with the terms of the Basic Provisions, Crop Provisions, and the procedural guidance promulgated by the FCIC.
ANALYSIS – There is no question that policies are required to adjusted in accordance with the procedures approved by RMA. However, RMA and the requestor goes farther and suggests that the loss adjustment procedures are part of the contract/policy. However, the definition of “contract” and “policy” enumerates the documents that comprise the policy but they never reference the loss adjustment or any other procedures. It is not the policy that creates the obligation on the AIP to apply the loss adjustment procedures approved by RMA, it is the Standard Reinsurance Agreement (SRA), which is a separate contract and one in which the policyholder is not a a party. The Basic Provisions just informs the policyholder that the AIP are required to use the loss adjustment procedures approved by RMA.
Bottom line, the obligation to adjust any claim in accordance with RMA approved loss adjustment procedures is a contractual requirement and failure to act in accordance with that obligation could allow a cause of action by the policyholder against the AIP. However, by definition, the provisions of the LAM and LASH themselves are not part of the policy.
All statements made are opinions of the author and are not intended to provide legal opinions or legal advice. | http://arrigoriskconsulting.com/blog/crop-insurance-news-and-analysis-july-6-2020-final-agency-determination-fad-298/ | 690 |
Hero Police Officers, Firefighters rescue woman from burning Lacey, NJ home
It was purely coincidental but somewhat poetic that on National Law Enforcement Appreciation day (Sunday), we heard of a story of heroism and just one example of why it's important to show our appreciation and gratitude for the men and women in blue -- as well as firefighters and EMTs.
This story takes place in the Barnegat Pines section of Lacey Township, with information from separate statements issued by Lacey Police and the Forked River Fire Department.
On Sunday, around 6:02 am, Lacey Police and several fire companies including the Forked River Fire Department and Lanoka Harbor Fire Department arrived to a home on Holly Place to see an active structure fire.
A 52-year old disabled woman was found inside on the floor of a room in the back of the kitchen, according to FRFD, and firefighters were able to bring her to safety along with Lacey Police who had forced open the back door.
The woman, who is the homeowner and sole occupant, was then brought to Lacey Township EMS and then brought to the hospital for treatment of smoke inhalation.
Two Lacey Police Officers were also brought to the hospital for treatment of smoke inhalation.
The Forked River and Lanoka Harbor Fire Departments were able to extinguish the fire.
Lacey Police said that LTPD Detectives along with the Ocean County Fire Marshal said the fire started in the kitchen, but the cause of the blaze has not yet been determined.
In addition to Lacey Police and the Lanoka Harbor and Forked River Fire Departments, the Lanoka Harbor EMS and Bayville Fire Company RIT Team were also on scene.
The Lacey Police Officers involved in the rescue were identified by the Asbury Park Press as Noah Schaffer, Alan Abrecht and Scott Anderson.
It was a day that shows us how and why first responders from Police to Firefighters to EMT's are our heroes. | https://1057thehawk.com/hero-police-officers-firefighters-rescue-woman-from-burning-lacey-nj-home/ | 409 |
Does credit score affect car insurance?
Does credit score affect car insurance rates? Yes. A higher or lower credit score can have a big impact on your insurance rate. Poor credit increases full coverage rates by 86% compared to good credit.
How much does your credit score affect your car insurance?
In most states, drivers with credit in good standing generally pay much less for car insurance than drivers with a poor credit history. According to 2023 rate data from Quadrant Information Services, drivers with excellent credit pay an average of $1,764 per year for full coverage car insurance.
What does your credit score have to do with your insurance?
Most insurance companies using credit information will include it as a factor in determining your rate. For example, someone with a relatively high credit score may pay a lower premium than someone with a relatively low credit score.
Why do insurance companies look at your credit score?
Why do insurance companies use credit information? Some insurance companies have shown that information in a credit report can predict which consumers are likely to file insurance claims. They believe that consumers who are more likely to file claims should pay more for their insurance.
What is a good credit score for insurance?
Insurance scores range between a low of 200 and a high of 997. Insurance scores of 770 or higher are favorable, and scores of 500 or below are poor. Although rare, there are a few people who have perfect insurance scores. Scores are not permanent and can be affected by different factors.
Do insurance companies look at credit score?
In most states, insurers can use your credit-based insurance score to determine your premiums. Your credit-based insurance score is not the same as your regular credit score.
Can a bad credit score affect your insurance?
Insurance companies cite various studies finding that drivers with bad credit are more likely to file claims, which means these drivers pose a higher risk to them and are potentially more expensive to insure. The more risk and cost you pose, the higher your car insurance rates.
Does Geico go by credit score?
All major car insurance companies — including GEICO, Progressive and State Farm — do a credit check during the quoting process. In fact, credit is one of the major rating factors used by underwriters when determining car insurance rates.
What could influence your auto insurance premiums?
Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.
What is the best car insurance for bad credit?
Cheapest car insurance companies for drivers with bad credit
Based on our research, Geico, Nationwide, Mercury, Amica and Travelers are some of the cheapest providers for drivers with bad credit.
Does Progressive run a credit check?
Does Progressive check credit history when my policy renews? In states where it is allowed or required by law, we periodically review policies, including credit history.
What is the difference between credit score and insurance score?
The scores predict different things.
Credit-based insurance scores predict the likelihood that someone will file claims that lead to a loss for the insurance company. Credit scores predict the likelihood that someone will miss a bill payment.
What percentage of your credit score is based on new credit?
Recent credit activity makes up the final 10%. If you've opened a lot of accounts recently or applied to open accounts, it may suggest potential financial trouble and may lower your score. Credit scoring models are also built to recognize that recent loan activity does not mean a consumer is necessarily risky.
Does car insurance check your credit?
Most insurers use credit checks to create a credit-based insurance score to help set your rate. Some insurers provide auto insurance with no credit check, which might seem appealing if you have a poor credit history.
Does a high credit score help with car insurance?
Drivers with poor credit (a credit score under 580) pay 97% more, on average, for full coverage car insurance premiums than do their counterpart drivers with exceptional credit (a credit score above 800), according to a study by Bankrate.
What is auto insurance score based on?
Auto insurance scores are used by insurance companies to determine your risk of filing a claim. They consider factors such as your driving record, your age, the type of car you drive and your credit score. Credit scores are used by lenders to determine your risk of defaulting on a loan.
Do you need a credit score to get insurance?
Most auto insurance companies use drivers' credit ratings to determine their prices. Hawaii, California, Washington and Massachusetts are the only states in which a prospective customer's credit score cannot be utilized.
What is a decent credit score?
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
How to raise credit score?
- Never miss a bill due date. ...
- Keep your balances low. ...
- Think twice before closing old cards. ...
- Be cautious about new loan applications. ...
- Consider a well-rounded credit history. ...
- Check your credit report regularly. ...
- Dispute any errors you find.
What insurance is the cheapest?
|Average cost per year for good drivers
|Total savings per year compared to average
Does State Farm check credit score?
Yes, State Farm does use your credit score as a factor when determining your car insurance rates, as do most major insurers. However, credit checks by auto insurers do not harm your credit score and are only done in states where it is legal for your credit score to affect your rates.
What credit score does car companies use?
FICO is an acronym that stands for: Fair Isaac Corporation, the company that developed the FICO® credit scoring. FICO® credit scores are the auto industry standard for determining a potential buyer's creditworthiness.
Does car insurance decrease when car is paid off Geico?
Car insurance premiums don't automatically go down when you pay off your car, but you can probably lower your premium by dropping coverage that's no longer required.
What determines your insurance premium answers?
Many variables factor into the amount that you'll pay, but the main considerations are the level of coverage that you'll receive and personal information such as age and personal information. For car insurance, that could mean age and driving record.
What 3 things determines your automobile insurance premium?
The type and amount of auto insurance coverage – The limits on your basic auto insurance, the amount of your deductible, and the types and amounts of policy options (such as collision) that are prudent for you to have all affect how much you'll pay for coverage. | https://fimini.online/articles/does-credit-score-affect-car-insurance | 1,416 |
Swimming Pool Maintenance And Service Insurance Policy Information
Swimming Pool Maintenance And Service Insurance. Pool service companies provide service, maintenance and repair services.
As the owner and operator of an pool service company, you have a lot of responsibilities on your shoulders. Ensuring day-to-day operations are running smoothly, stocking the storing a wide range of products and tools, overseeing your staff, and making sure that the needs of your clients are met; there's a lot that you have to attend to.
Despite your best efforts to ensure that the various components of your business are running smoothly, all it takes is one slip-up or an unplanned for event and you could be in serious trouble. Pool cleaning service insurance can help cover costs if an employee gets into an accident while driving to a client's home, or if a client trips over the pool cleaning net and gets hurt.
To protect yourself from oversights and the unexpected, having the right type of swimming pool maintenance and service insurance is essential.
Swimming pool maintenance and service insurance protects your business from lawsuits with rates as low as $29/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked swimming pool maintenance and service insurance questions:
- What Is Swimming Pool Service Insurance?
- How Much Does Swimming Pool Service Insurance Cost?
- Why Do Swimming Pool Maintenance Services Need Insurance?
- What Type Of Insurance Do Swimming Pool Service Businesses Need?
- What Are Swimming Pool Maintenance And Service Risks & Exposures?
- What Does Swimming Pool Maintenance And Service Insurance Cover & Pay For?
What Is Swimming Pool Service Insurance?
Swimming pool service insurance is a type of insurance designed specifically for businesses that provide maintenance and repair services for swimming pools. It typically includes coverage for things like property damage, liability for injuries or accidents, and loss of income in the event of a disruption to the business due to a covered event.
It may also include coverage for specialized equipment and tools used in the pool service industry.
This insurance can protect the pool service business from financial loss and help them to continue to operate in the event of a covered incident.
How Much Does Swimming Pool Service Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small swimming pool service companies ranges from $29 to $47 per month based on location, services offered, payroll, sales and experience.
Why Do Swimming Pool Maintenance And Services Need Insurance?
Swimming pool maintenance services need insurance for a variety of reasons. Firstly, it helps to protect the business in case of any unforeseen accidents or injuries that may occur while the maintenance team is working. For example, if a team member accidentally slips and falls while cleaning the pool, the insurance can cover any medical expenses and potential legal fees.
Additionally, insurance can also protect the business from any damages that may occur to the pool itself. If a chemical imbalance or mechanical issue causes damage to the pool, the swimming pool maintenance and service insurance can cover the costs of repairs.
Furthermore, having insurance can also provide peace of mind for the business owner and the team, knowing that they are protected in case of any unexpected events. It allows them to focus on providing top-quality maintenance services without the added stress of worrying about potential risks.
In summary, swimming pool maintenance services need insurance to protect the business and its employees from potential accidents and damages, as well as to provide peace of mind and allow the team to focus on their work.
What Type Of Insurance Do Swimming Pool Service Businesses Need?
There are several types of swimming pool maintenance and service insurance coverage that pool service providers should carry. The specific types of policies you should have in place will depend on the unique nature of your business; however, there are certain forms of coverage that operators of all swimming pool service companies should have, including:
- General Liability - This policy protects you from third-party injury and property damage claims, as well as formal lawsuits that may be filed against you. It provides coverage for any financial liabilities, as well as the expenses that are associated with any legal defense that you might need. For example, if someone other than an employee gets hurt at your store and files a lawsuit against you, or if an employee uses the wrong chemicals and damages a client's property, business liability insurance would pay for the damages and legal fees.
- Completed Operations - If a client's property is damaged or someone sustains an injury as a result of the services you provide, even after the services have been delivered, you are still liable. For instance, if a high concentration of chemicals damages the lining of a pool you treated, you would be responsible for any damages. Completed operations insurance covers the costs of expenses that are associated with damages and injuries related to services you provided after those services were delivered.
- Commercial Property - A massive windstorm could send a tree crushing down on top of your store, or a vandal could spray paint graffiti or smash the windows of your commercial space. When situations like these arise, commercial property damage will protect you from the financial losses that are incurred. This policy covers the physical structure of your commercial space as well as the contents within it from acts of nature, vandalism, and theft.
- Workers Compensation - If an employee gets injured on the job or suffers a work-related illness, you're responsible for any necessary medical care, as well as wages that he or she may lose. Workers' compensation coverage will cover these expenses so you don't have to pay for them out of your own pocket.
What Are Swimming Pool Maintenance And Service Risks & Exposures
Premises liability exposure at the pool maintenance co. premises may be limited due to lack of public access. If there is a showroom or retail sales of pool supplies, customers may slip and fall over displays. Equipment stored in an open yard may present an attractive nuisance. The storage of flammable chemicals presents a property damage exposure to neighboring buildings.
Workers compensation exposure - back injuries, hernias, sprains and strains can be caused by lifting or moving pool supplies. Work at heights, cuts, abrasions and eye injuries can occur. Exposure to pool chemicals can result in burns, eye irritation, or inhalation damage to lungs.
Property exposure at the companies' own location may be limited to those of an office and storage of materials, equipment, and vehicles. Some pool service companies have a small display area while others display above ground pools and a variety of pool related products available for retail purchase. Any flammable pool chemicals must be properly labeled, separated, and stored in approved containers, cabinets, and rooms as the introduction of even a small amount of water to certain dry chemicals can trigger an explosion. Property stored outside may be a target for vandalism.
Crime exposure are from employee dishonesty and money and securities. Background checks, including criminal history, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off site. Audits, including inventory, should be conducted at least annually.
Business auto exposure - drivers must be experienced and aware of the cautions necessary in transporting pool chemicals to prevent overturn and damaging other vehicles or property. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
What Does Swimming Pool Maintenance And Service Insurance Cover & Pay For?
Swimming pool maintenance services can be sued for various reasons, such as:
Accidents or injuries: If someone is injured or suffers an accident while using the swimming pool, they may sue the maintenance service for negligence or failure to maintain a safe environment.
Insurance protection: A general liability insurance policy can protect swimming pool maintenance services from lawsuits related to injuries or accidents. The insurance can help pay for legal defense costs, settlements, or judgments.
Property damage: If the swimming pool maintenance service damages someone's property, they may be sued for compensation.
Insurance protection: General liability insurance can also cover property damage claims against swimming pool maintenance services. The insurance can pay for the costs of repairing or replacing damaged property.
Breach of contract: If the maintenance service fails to fulfill the terms of a contract with a customer, they may be sued for breach of contract.
Insurance protection: Errors and omissions insurance (also known as professional liability insurance) can protect swimming pool maintenance services from lawsuits related to breach of contract or other professional mistakes. The insurance can pay for legal defense costs and settlements.
Pollution or environmental damage: Swimming pool maintenance services that use chemicals or cleaning products may accidentally cause pollution or environmental damage.
Insurance protection: Environmental liability insurance can help protect swimming pool maintenance services from lawsuits related to pollution or environmental damage. The insurance can pay for the costs of cleaning up the pollution or environmental damage and any legal expenses associated with the lawsuit.
In summary, swimming pool maintenance services can be sued for various reasons, but insurance can provide protection by helping to pay for legal defense costs, settlements, or judgments. It is important for swimming pool maintenance services to have adequate insurance coverage to protect their business and finances in the event of a lawsuit.
Commercial Insurance And Business Industry Classification
- SIC CODE: 1799: Special Trade Contractors, Not Elsewhere Classified
- NAICS CODE: 238990 All Other Specialty Trade Contractors
- Suggested Workers Compensation Code(s): 9014 Janitorial Services by Contractors - No Window Cleaning Above Ground Level & Drivers
Description for 1799: Special Trade Contractors, Not Elsewhere Classified
Division C: Construction | Major Group 17: Construction Special Trade Contractors | Industry Group 179: Miscellaneous Special Trade Contractors
1799 Special Trade Contractors, Not Elsewhere Classified: Special trade contractors primarily engaged in construction work, not elsewhere classified, such as construction of swimming pools and fences, erection and installation of ornamental metal work, house moving, shoring work, waterproofing, dampproofing, fireproofing, sandblasting, and steam cleaning of building exteriors.
- Antenna installation, except household type-contractors
- Artificial turf installation-contractors
- Awning installation-contractors
- Bath tub refinishing-contractors
- Boring for building construction-contractors
- Bowling alley installation and service-contractors
- Cable splicing service, nonelectrical-contractors
- Caulking (construction)-contractors
- Cleaning building exteriors-contractors
- Cleaning new buildings after construction-contractors
- Coating of concrete structures with plastics-contractors
- Core drilling for building construction-contractors
- Counter top installation-contractors
- Dampproofing buildings-contractors
- Diamond drilling for building construction-contractors
- Epoxy application-contractors
- Erection and dismantling of forms for poured concrete-contractors
- Fence construction-contractors
- Fire escape installation-contractors
- Fireproofing buildings-contractors
- Forms for poured concrete, erection and dismantling-contractors
- Gas leakage detection-contractors
- Gasoline pump installation-contractors
- Glazing of concrete surfaces-contractors
- Grave excavation-contractors
- House moving-contractors
- Insulation of pipes and boilers-contractors
- Lead burning-contractors
- Lightning conductor erection-contractors
- Mobile home site setup and tie down-contractors
- Ornamental metalwork-contractors
- Paint and wallpaper stripping-contractors
- Plastics wall tile installation-contractors
- Posthole digging-contractors
- Sandblasting of building exteriors-contractors
- Scaffolding construction-contractors
- Service and repair of broadcasting stations-contractors
- Service station equipment installation, maintenance, and repair-
- Shoring and underpinning work-contractors
- Spectator seating installation-contractors
- Steam cleaning of building exteriors-contractors
- Swimming pool construction-contractors
- Television and radio stations, service and repair of-contractors
- Test boring for construction-contractors
- Tile installation, wall: plastics-contractors
- Tinting glass-contractors
- Wallpaper removal-contractors
- Weather stripping-contractors
- Welding contractors, operating at site of construction
- Window shade installation-contractors
Swimming Pool Maintenance And Service Insurance - The Bottom Line
To find out more about other swimming pool maintenance and service insurance policies you may need - and the amount of coverage you should carry, consult with an agent that specializes in commercial business insurance.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability. | https://generalliabilityinsure.com/small-business/swimming-pool-maintenance-service-insurance.html | 3,517 |
With our greatest-promoting course Start-a-Business a hundred and one. International insurance premiums grew by 2.7% in inflation-adjusted terms in 2010 to $four.3 trillion, climbing above pre-disaster ranges. The return to development and record premiums generated throughout the 12 months followed two years of decline in real phrases. Life insurance coverage premiums increased by three.2% in 2010 and non-life premiums by 2.1%. Whereas industrialised international locations noticed an increase in premiums of round 1.four%, insurance markets in rising economies noticed rapid enlargement with 11% growth in premium income. The global insurance business was sufficiently capitalised to withstand the monetary disaster of 2008 and 2009 and most insurance coverage companies restored their capital to pre-disaster ranges by the top of 2010. With the continuation of the gradual recovery of the global financial system, it is possible the insurance trade will continue to see growth in premium income each in industrialised nations and rising markets in 2011.
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We will develop backlinks by a mix of 1) outreach to blogs and publications to get your web site featured of their content material 2) writing participating blogs and three) increasing social shares and exposure. Insurance coverage is a way of protection from financial loss. It is a form of threat management , primarily used to hedge towards the risk of a contingent or unsure loss. | https://investecaccountants.com/begin-entrepreneure-on-line.html | 822 |
Business leaders, executives, and directors are understandably uneasy about the state of cybersecurity in their companies. Each week, another company’s good name is dragged through mud by the press on news of a cyberattack. Not only do these organizations spend a great deal of hard-earned money responding to the breach, but the long-term impact of brand damage and lost customers is where most companies feel the biggest hurt.
- Class-action lawsuits against Equifax will reportedly seek as much as $70 billion in damages, which likely exceeds their cyber insurance coverage levels by several thousand percent. In the days following the disclosure of the data breach, Equifax hemorrhaged over 36% of its market capital. As if that wasn’t enough, the press coverage continued as their CEO was hauled before Congress where he faced a firing squad of lawmakers eager to endlessly alternate between wagging and pointing their fingers, further adding to the negative press.
- Deloitte claims that its recent data breach only impacted six clients; however, they are likely to lose at least some of their clients as their brand continues to appear in negative press coverage, especially now that New York’s Attorney General, Eric Schneiderman, probes the breach.
- In another emerging trend that is giving many leaders nightmares that would make Pennywise scream, some executives and directors are being personally targeted through derivative shareholder lawsuits arising out of cyber-attacks. Notably, former Yahoo! executives are being personally sued following their mega-breach of three billion accounts.
These cases and the many others we hear about each week are forcing organizational leaders to the conclusion that they must do more to demonstrate that the organization as a whole and they as individuals are doing enough to guard against the cyber threat.
Organizational Cyber Defenses
To do more, they first need a clear understanding of what cyber defenses are in place today and how well they function. But what can and should they do?
The AICPA has an answer.
Recently published and apparently sparing no words in the title, the AICPA’s “Description Criteria for Management’s Description of the Entity’s Cybersecurity Risk Management Program,” outlines a standard format for organizations to document and communicate information about their cyber defenses to leaders and other stakeholders.
The Description Criteria’s standardized format is intended to ease the burden on boards and leaders who may need to review a variety of these cybersecurity risk management program descriptions. If they all look the same, they will be easier to parse. Additionally, the standardized format will allow CPA firms with cybersecurity expertise to efficiently assist management in preparing these descriptions while not re-inventing the wheel with each new engagement.
The AICPA recognizes that cybersecurity frameworks, such as the NIST Cybersecurity Framework and CIS Top 20 Controls for Cyber Defense, have proliferated. Different organizations and different industries may use different cybersecurity frameworks to guide their cyber risk management programs. As a result, the AICPA’s new guidance is framework agnostic. It allows organizations to use any framework that is “suitable and available” when describing their cybersecurity risk management program.
Some stakeholders, internal or external, may require additional assurances, beyond the description provided by management, that an independent party has evaluated the cybersecurity risk management program. Again, the AICPA has provided guidance that is not dissimilar from the System and Organization Controls (SOC) audits that CPAs have been performing in some form for decades. Like the popular SOC 1 and SOC 2, this new examination level report is called the SOC for Cybersecurity. Like its siblings, it requires a management assertion that the internal controls within the cybersecurity risk management program are operating effectively. The auditor then tests those controls and issues an opinion covering two areas:
- That management’s description is presented in accordance with the AICPA’s description criteria
- That the controls within the risk management program were effective enough to achieve management’s cybersecurity risk management goals
The AICPA has invested heavily in creating the truly forward-thinking Description Criteria and associated assurance products. They recognize that full-service accounting firms have been deeply involved with organizational information technology controls since Sarbanes-Oxley, and that the firms with a strong IT and cyber skillset are well-equipped to meet many of their clients’ cybersecurity needs. As the cyber threat grows, organizational leaders, officers, and directors will be expected to have taken an active role in the cybersecurity of the organizations they control, and the new products developed by the AICPA appear to be an excellent step towards meeting those expectations.
Our Risk Advisory Services practice is designed to assist companies with the identification of risks that have a significant impact on their business including financial, operational and compliance risks, and with developing sound, cost effective controls to mitigate those risks. We provide integrated services, including SOC audits and cybersecurity services that help public and private companies to identify and manage their risks. Contact us. Our Risk Advisory Services team can help.
About the Author
The information contained within this article is provided for informational purposes only and is current as of the date published. Online readers are advised not to act upon this information without seeking the service of a professional accountant, as this article is not a substitute for obtaining accounting, tax, or financial advice from a professional accountant. | https://keitertechnologies.com/blog/soc-for-cybersecurity-answer-to-leaderships-cybersecurity-responsibilities/ | 1,086 |
Highgate station was forced to close earlier today (May 2) after a fire broke out beside the site in north London at around 3pm.
Images show a large flame and thick smoke in the surrounding areas, with the London Fire Brigade (LFB) confirming in a later report that the 999 control officers had received 25 calls about the incident.
What do we know about the fire at Highgate Station so far?
Firefighters were called to the scene on Archway Road at 3:01pm. According to the LFB report, six fire engines and around 40 firefighters from crews in Kentish Town, Hornsey, Holloway, West Hampstead and Finchley arrived to Highgate station and had the fire under control by 4:13pm.
The LFB confirmed that the building in question was ‘derelict’ and half of the first floor has suffered damage, with the cause of the fire currently being investigated.
At 4:24pm this afternoon, the LFB tweeted that the fire in the building beside Highgate Station was ‘under control’, though they confirmed that the Underground station was still closed, and people are still being advised to avoid the area where possible.
TfL has also advised passengers to avoid Highgate Station and re-plan their journey where needed.
There have been no reports of any injuries as a result of the fire.
This is a breaking news story and this article will be updated with further information as it develops. | https://secretldn.com/fire-highgate-station/ | 304 |
Car Insurance Myths Debunked: Separating Fact from Fiction
Car insurance is a topic that affects millions of people across the globe. It’s essential for protecting both your assets and your well-being on the road. However, many myths and misconceptions swirl around the world of auto insurance, which can lead to confusion and even costly mistakes. In this article, we will debunk 15 common car insurance myths and separate fact from fiction.
Myth 1: Red Cars Cost More to Insure
The color of your car has no impact on your insurance premium. Insurance companies base their rates on factors like your driving history, location, and the make and model of your vehicle. The idea that red cars are more expensive to insure is purely a myth.
Myth 2: Minimum Coverage is Sufficient
Minimum coverage might meet your state’s legal requirements, but it often falls short in providing adequate protection. It’s essential to consider your personal circumstances and potential risks. Investing in more extensive coverage can save you from financial disaster in the event of a severe accident.
Myth 3: Your Credit Score Doesn’t Affect Premiums
Your credit score can significantly impact your insurance premiums. Insurers use it to assess risk. People with lower credit scores tend to pay higher premiums. Maintaining a good credit score can lead to more affordable insurance rates.
Myth 4: You Only Need Auto Insurance if You Drive Often
Even if you don’t drive your car frequently, it’s crucial to have insurance. Accidents can happen at any time, even when your car is parked. Additionally, auto insurance often covers theft, vandalism, and other non-driving-related incidents.
Myth 5: Personal Auto Insurance Covers Business Use
Personal auto insurance typically excludes coverage for business use. If you use your car for work-related activities, you should consider a commercial auto insurance policy to ensure you’re protected in case of accidents during business operations.
Myth 6: Your Insurance Follows You to Any Car You Drive
Insurance policies are typically tied to a specific vehicle rather than the driver. If you drive someone else’s car and get into an accident, their insurance will likely be the primary coverage. Your insurance may provide secondary coverage, but it varies based on the policy.
Myth 7: You Don’t Need Insurance for Stolen Items
Most auto insurance policies do not cover stolen personal items inside your car. To protect your belongings, consider renter’s or homeowner’s insurance. These policies often include coverage for stolen items, even when they’re not in your home.
Myth 8: Full Coverage Means Everything is Covered
“Full coverage” is a term often used to describe a combination of liability, collision, and comprehensive coverage. It doesn’t mean that every possible scenario is covered. There are still limitations and exclusions in your policy, so it’s essential to understand the specifics.
Myth 9: Your Insurance Will Cover Mechanical Failures
Car insurance is not a warranty for mechanical issues. If your car breaks down due to wear and tear or mechanical failures, your insurance won’t cover the repairs. Mechanical breakdown coverage is available as an add-on option in some policies.
Myth 10: Your Insurance Covers Intentional Accidents
Insurance is designed to protect against accidental or unexpected events. Deliberate acts, such as intentionally crashing your car, are not covered by insurance. You can face legal consequences in addition to not receiving insurance benefits.
Myth 11: Insurance Covers Personal Belongings Inside Your Car
Personal belongings, like laptops or smartphones, are generally not covered by your auto insurance. Instead, consider separate personal property insurance or rely on your renter’s or homeowner’s insurance for such coverage.
Myth 12: Premiums Always Increase After an Accident
While at-fault accidents can lead to increased premiums, it’s not a universal rule. Some insurance companies offer accident forgiveness programs or only raise rates for severe accidents. It’s essential to discuss the specifics with your insurer.
Myth 13: Your Insurance Will Cover Your Car’s Market Value
Auto insurance typically covers your car’s actual cash value, which accounts for depreciation. If your car is older, the payout may not cover the full replacement cost. Consider gap insurance if you want to bridge this financial gap.
Myth 14: Cheaper Cars Are Cheaper to Insure
While cheaper cars often have lower insurance premiums, it’s not a strict rule. Factors like safety features, repair costs, and theft rates also influence insurance rates. It’s essential to research the specific vehicle you plan to buy and its associated insurance costs.
Myth 15: You Don’t Need Car Insurance if You Have Health Insurance
Health insurance covers medical expenses, but it doesn’t cover property damage or liability resulting from a car accident. Car insurance is essential to protect you and others involved in an accident, even if you have health coverage.
Debunking these car insurance myths is crucial for making informed decisions about your coverage. The world of auto insurance can be complex, but understanding the facts from the fiction can help you save money and ensure you have the protection you need on the road.
1. Is it true that red cars are more expensive to insure?
No, the color of your car has no impact on your insurance premiums.
2. What is minimum coverage, and is it enough?
Minimum coverage meets the legal requirements but may not provide sufficient protection. It’s advisable to consider your specific needs and potential risks.
3. Does credit score affect insurance rates?
Yes, a lower credit score can lead to higher insurance premiums.
4. Do I need car insurance if I don’t drive often?
Yes, insurance is essential even if you don’t drive frequently, as it covers non-driving-related incidents and theft.
5. Does auto insurance cover personal belongings inside the car?
Most auto insurance policies do not cover personal items inside the car. Consider separate coverage for your belongings. | https://tanamanmahal.com/car-insurance-myths-debunked/ | 1,267 |
Does insurance terminology and coverage confuse you? Us too sometimes, and we work with insurance companies everyday! We understand that with so much jargon, insurance can be a very confusing thing. We hope to provide a little bit of clarity to help with this confusion by defining a few terms that are often used when discussing insurance coverage.
A deductible is an amount that needs to be paid by you before your insurance company will begin paying claims. After meeting your deductible, some plans will begin to pay for all coverage in full, while other plans will begin to cover a portion of the claims and expect the patient to cover the remainder. This amount resets yearly, some plans reset at the 1st of the year (called yearly plans) while others reset at a certain date throughout the year (called calendar plans). A deductible is an accumulation of almost all payments you make related to your health; you do not have a separate deducible for each doctor office or hospital you visit.
Out of Pocket Maximum/Max Billable Amount/Catastrophic Cap
The out of pocket maximum has several other names it is called based on the insurance company, but no matter what name it goes by it is still the same thing. This is (theoretically) the absolute most you will have to pay for covered medical expenses in a plan year through deductible and coinsurance before your insurance plan begins to pay 100 percent of covered medical expenses. Once met, all of your health insurance costs are suppose to be covered in full by your insurance company. Of course, sometimes a bill will be denied by the insurance company. If the insurance company says they won't pay a bill, then the entity charging the amount may seek payment from the patient.
A copay is a set amount based on what type of doctor or service you are receiving. It can vary between each type of doctor, with specialists and ER visits costing more than a visit to your primary care physician. This amount is generally due regardless of whether the deductible is met or not, and sometimes does not contribute to the deductible. It does, however, contribute to the out of pocket maximum, and once the out of pocket maximum is met then the copay is no longer charged.
Co-insurance is generally the most complicated aspect of insurance costs. A co-insurance is an amount that is generated after the bill has been sent to the insurance company, and is based on both your plan and the amount that the insurance company states is eligible for payment. This benefit does not begin until the deductible is met. Many plans we are are on an 80%/20% plan, with the insurance company paying 80% of an visit. For example, if the health insurance plan's allowed amount for an office visit is $100 and you've met your deductible, your 20% coinsurance payment would be $20. The health insurance plan pays the rest.
A “claim” is the bill that an office sends to the insurance company. It is the amount that the procedure costs, in full. You will usually only hear this term when “a claim is denied”, which means a bill that was sent to the insurance company was rejected. If a claim is denied by an insurance company, then the cost can fall onto the patient regardless of whether an out of pocket amount is met, because it is considered to be not covered by the insurance company. Denied claims also usually do not count towards a deductible total, as they are considered uncovered claims. At All Care, we work hard to get denied claims appealed before sending the bill to the client for payment.
Clear as mud right :)? Here are some examples to help you see how this works in the real world:
Example 1: You have a $60 copay on your plan. Your deductible has not been met. You pay $60 at your visit. The claim goes to the insurance company for $145. The insurance company states that only $125 of the bill is eligible to be paid on. You have already paid $60. The remaining $65 (for a total of $125) will be billed to you since your deductible is not met. No one is charged for the remaining $20. Once you met your deductible, you will only be charged for your $60 co pays until your out of pocket maximum is met.
Example 2: You have a 20% co-insurance. Your deductible is not met. The claim that will be sent to the insurance company is for $160. The insurance receives the claim and decides that only $130 is eligible to be paid on. They pay $0 and you pay the $130 that insurance company approved. No one is charged for the remaining $30.
Example 3: You have a 20% co-insurance. Your deductible is met. The claim that will be sent to the insurance company is for $120. You can estimate that you will owe $24. The insurance company receives the bill and decides that only $100 is eligible to be paid on. They pay $80 and you pay the remaining $20. You pay 20% of the $100 that the insurance company approved and not 20% of the entire bill, hence $20 and not $24. No one is charged for the remaining $20.
Example 4: You have a $60 copay. Your out of pocket maximum has been met. You pay nothing. The claim is $150. The claim gets sent to your insurance company. The insurance company denies the claim. The full costs goes to the patient and you owe $150. You can generally try to negotiate a lower bill or a payment plan.
Example 5: You have a 10% co-insurance. Your deductible is met. The claim that will be sent to the insurance company is for $100. You can estimate that you will owe $10. The claim gets sent to insurance and they determine that $0 is eligible to be paid on. They do not deny the claim, they determine that $0 is eligible to be paid on. You owe $0. In this case, the clinic will more than likely resubmit the claim for payment.
In all of the above situations, All Care will make sure before, during, and after that you understand your coverage and what you will be payment responsible for. Patients with high deductibles or financial situations that make full payment difficult can also work out a payment plan with All Care. We never want lack of coverage to be a deterrent for therapy.
Hopefully this has helped to clear up some confusion. If you still have questions, please don't hesitate to let us know! | https://www.allcaretherapygt.com/post/2016/04/25/insurance-education | 1,345 |
Have you ever tried to file an insurance claim and felt frustrated? Well, you’re not alone. Many people have had similar experiences with insurance companies, leading to a negative perception of the industry.
It is essential to remember that insurance companies are working to protect their earnings despite their generally kind appearance. Even the most reputable and well-known insurance companies use these dishonest practices to boost their earnings. Their main strategies are the three D’s: delay, deny, and defend. Therefore, you must become knowledgeable about them.
A CNN investigation explains how insurance firms devised this tactic to pursue injury claims involving collisions, even when there is circumstantial evidence of individual injuries and damage. Visit websites like www.nicoletlaw.com to learn how lawyers can tackle greedy insurance companies and help you get the compensation you deserve.
What is the 3D Strategy?
The 3D strategy stands for delay, deny, and defend. It is a common approach followed by insurance companies in handling claims their customers make. Let’s break down each of these elements to understand the strategy better.
Delay refers to the first step in the 3D strategy, where insurance companies deliberately prolong the process of reviewing and paying out claims. This tactic allows them to hold onto their funds for extended periods, annoying the victim. The delay is particularly excruciating for those who’ve suffered severe injuries like TBIs or burn injuries.
Occasionally, one will encounter arbitrary regulations that frequently refer to nonexistent or contradictory laws. This is done with the assumption that victims will get discouraged and defeated by repeated denials, feeling they have no option but to give up.
The next step in the 3D strategy is to deny claims whenever possible. Insurance companies will often use technicalities and fine print in policies to reject claims, even if they are valid. This helps them save money by not paying for claims and discourages customers from making future claims.
Insurance companies have a lot of options to reject a claim. They do this,hoping that those injured will accept the denial without protest.
Like postponing payment, denial works well because many people give up and become irritated. Each dollar that remains out of the pocket of an injured party benefits the insurance company financially.
In this final step, insurance companies will vigorously defend themselves against any lawsuits or legal action by victims whose claims have been denied. This is meant to deter clients from taking their claims further, even though it can be expensive and time-consuming for all parties.
If everything else fails, the insurance firm will use the third D to defend itself. This compels someone with a valid claim to file a lawsuit for their injuries. Several years may pass during litigation, or even longerif the case is appealed.
Due to legal provisions that make it more difficult to collect more than should have been paid out in the first instance, insurance firms have even more justification for withholding, delaying, and fighting.
The 3D strategy allows insurance companies to maximize their profits and minimize their losses. By delaying, denying, and defending claims, they can hold onto more of their funds and avoid paying out large sums of money.
Additionally, it allows them to maintain a positive image by appearing to be actively investigating claims while still protecting their bottom line.
Awareness of the 3D strategy is the first step in protecting yourself against it. It’s important to carefully review and understand your insurance policy before signing it and to know your rights as a policyholder. If you believe your claim has been unfairly denied or delayed, you can seek legal advice from an experienced lawyer. | https://www.investmentpedia.org/3d-strategy-followed-by-insurance-companies/ | 734 |
UPDATED: Wind-driven fire destroys two buildings at Seaport Marine in Mystic
Mystic ― Firefighters from several area departments battled a major fire at Seaport Marine on Washington Street that broke out just before 9 p.m. Sunday and destroyed two buildings.
No one was injured in the wind-driven blaze but one firefighter was taken to the hospital to be evaluated, said Mystic Fire Chief Anthony Manfredi Jr. early Monday morning. The fire also forced nearby residents to evacuate their homes.
The fire was reported at 8:56 p.m. and when firefighters arrived, Manfredi said there was “a lot of fire” and he was worried the blaze could spread to nearby homes including those on Willow Street. He called four alarms which brought help from surrounding departments.
As of 9:50 p.m., large flames and heavy smoke could be seen coming from the interior of the property. The raging fire, which appeared to be growing in size about 10:10 p.m., was located just south of the end of Cottrell Street, where several large boat sheds and an office are located. Multiple explosions could be heard coming from the fire as crowds gathered across the Mystic River in Groton to see the fire.
Ladder trucks could be seen pouring water on the fire. By 10:45 p.m. firefighters appeared to be getting hold of the fire as smoke and flames has diminished. By 12:30 a.m. this morning, the fire was under control but not yet extinguished.
Manfredi said the fire destroyed a large storage and office building and badly damaged an adjacent home. He said the state fire marshal was responding to assist with the investigation into the cause of the fire.
Norwich firefighters, also responded to the fire and a Facebook video posted by Norwich Firefighters Local 892 showed a massive fireball at the south end of Cottrell Street.
Stonington Police Deputy Chief Todd Olson said late Sunday night he was not aware of any injuries due to the fire. He said police closed Route 1 and other streets in the area and evacuated residents from nearby homes and buildings including the Whaler’s Inn where the fire alarm was still sounding at 11:20 p.m.
Power was also out in the neighborhood with Eversource reporting 158 customers without power as of 12:37 a.m.
The 122-slip marina along the Mystic River is also home to the popular Red 36 restaurant. The restaurant did not catch fire late Sunday night.
Marianne Jasmine, who said her boat is tied up at the marina, said she came down to Mystic River Park when she learned of the fire. But she said the flames were so high embers were hitting people in the park. They then had to evacuate the park.
The blaze was the biggest fire in downtown Mystic since March of 2000 when a nighttime fire destroyed a West Main Street building that housed eight businesses next to the drawbridge. In 1960, a fire destroyed 15 businesses and a movie theater not far from Seaport Marine.
Seaport Marine is owned by the Holstein family, which recently sold its other marina, the 155-slip Noank Shipyard, to Epum Holdings.
After the sale, Seaport Marine General Manager Harry Boardsen said he and his family would continue to own and operate the Seaport Marine as well as its other facility, Bridgeport Boatworks. Boardsen said he and the Holsteins were looking forward to the further development of the Seaport Marine property.
In 2019, the family proposed a major redevelopment of the 11-acre Seaport Marine property, called Smiler’s Wharf, that included 120 more slips, a 45-room hotel, a marine services building, a second restaurant, a public park and walkway and housing, but withdrew it in the face of opposition.
This is a developing story
Comment threads are monitored for 48 hours after publication and then closed. | https://www.theday.com/police-fire-reports/20221127/firefighters-battling-major-fire-at-seaport-marine-in-mystic/ | 822 |
E&O Insurance – Errors and Omission Insurance (E&O)
A subcategory of professional liability insurance that defends businesses and their staff against claims made by customers that allege they received substandard or negligent service.
What exactly is meant by the term “Errors and Omissions Insurance” or “E&O”?
Errors and Omissions (E&O) insurance protects businesses and their employees against claims made by customers who allege careless conduct or insufficient work was performed. Professional liability insurance, of which Errors and Omissions (E&O) insurance is a subtype, is often required of those who provide professional services to their customers.
In a nutshell, errors and omissions insurance, sometimes known as E&O insurance, belongs to the larger category of professional liability insurance (PLI). Companies and their personnel who provide professional services are shielded from client allegations of negligent behavior or substandard work performance as a result of this protection.
There are a variety of factors that might influence the price of E&O insurance, including the sector, geographic location, revenue, size of the business, and policy coverage limits. Companies that face a greater likelihood of being sued are often subject to more expensive premiums.
In general, for errors and omissions, insurance, also known as E&O insurance, protects businesses against claims of negligence, missed deadlines, undelivered services, and more.
Acquiring Knowledge of Errors and Omissions Insurance
It is not unheard of for clients of professionals who provide services to have the right to file claims against those professionals. As a consequence of this, they require professional liability insurance, often known as PLI, in order to safeguard themselves against these kinds of lawsuits. The coverage of PLI extends to include either negligent behavior, malpractice, or misrepresentation. One of the numerous types of professional liability insurance (PLI) that protects against allegations of negligent or inadequate work is called errors and omissions (E&O) insurance.
E&O insurance is required of any and all businesses and people who render professional services or advice. For instance, there are medical professionals, legal advisors, financial planners, insurance brokers, engineering organizations, and so on. Claim settlement costs can be covered by E&O insurance up to the limit that is stipulated in the insurance policy’s terms and conditions. In most cases, it also covers the fees of going to court, which might likely be rather expensive.
During the process of producing portfolio attribution indicators, for instance, an investment management company erred and committed a mistake. It resulted in a poor decision on asset allocation, which led to a loss on the investment. Customers have the option to file a claim for damages against the company in the event of a loss. If the investment business had signed up for comprehensive E&O insurance coverage, the insurance company would have been responsible for paying the legal fees and any damage settlements that were reached.
The premiums charged for errors and omissions insurance are influenced by a number of factors, such as the type of business, the region in which it is located, the revenue generated by the company, its size, the policy coverage limitations, and more. Some sectors of the economy are more vulnerable to the financial impact of lawsuits than others. For instance, the risks that construction companies encounter often result in higher E&O insurance premiums since the mistakes they make can result in significantly higher financial losses due to property damage.
Due to the fact that being a large company typically comes with a significant chance of being sued and having to pay a high settlement cost, the prices for E&O insurance are proportionately greater as revenue increases. In general, businesses that have a strong history of not filing claims and that provide sufficient staff training are able to negotiate more favorable terms for their E&O insurance policies.
What Are the Covered Expenses Under E&O Insurance?
It is possible for the coverage of errors and omissions (E&O) insurance to fluctuate marginally from one insurance provider to another, depending on the specifics of the insurance policies. In general, errors and omissions insurance, often known as E&O insurance, protects the policyholder against claims of negligence, missed deadlines, undelivered services, and mistakes made at work. Clients have the right to seek compensation for damages that were incurred as a result of errors or mistakes made by professionals. One possible illustration of this would be a mistake that a financial planner makes on the return rate of a financial instrument.
When a company falls short of the minimum requirements set by their industry, they leave themselves up to accusations of negligence. If a customer is unhappy with the service they receive, they may accuse the company of being negligent, even if there were no errors made.
The failure of a tax preparation company to make tax payments for its customers in accordance with the terms of the service contract is referred to as “undelivered services.” An insurance agent who does not provide appropriate insurance coverage for a client is another example of this type of behavior.
Failure to meet deadlines can result in significant revenue losses for clients. As an illustration, a consultant failed to meet the stipulated time limit for delivering the due diligence report to a private equity investor. It was because of this that the investor did not submit a bid. In the event that the investor filed a lawsuit, the E&O insurance would pay for the associated costs.
What Doesn’t the Errors and Omissions Insurance Cover?
Customer injuries, employee injuries, contingent physical injuries, employee discrimination claims, and property damage to either business property or customer property are not covered by the E&O insurance policy. These types of claims fall outside the coverage parameters of the policy. The claims are covered by several different types of insurance for professionals, such as umbrella policies.
Injuries to customers, as well as damage to their property, are covered by general liability insurance. Injuries sustained by workers are compensated for by the company’s workers’ compensation insurance. Product liability insurance will pay for medical expenses associated with accidental bodily harm. Employment practices liability insurance, sometimes known as EPLI, protects employers against the financial impact of employment discrimination lawsuits brought by workers against their employers. In addition, for errors and omissions, insurance does not protect against criminal prosecution or wrongdoing committed with the intent to cause harm.
A significant number of E&O insurance policies do not extend coverage to temporary workers, claims filed in multiple jurisdictions, or claims made on work completed before the insurance was put into effect. When signing a contract for E&O insurance, companies need to ensure that they have a thorough understanding of the policy terms and coverage.
CFI is the official supplier of the global Commercial Banking & Credit Analyst (CBCA)TM certification program. This program is meant to assist anyone in becoming a financial analyst of the highest caliber. The extra resources that are listed below will be helpful to you as you continue to advance in your career:
Insurance for Property Owners
Maximum Potential Loss for Life and Health Insurance Companies
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By completing the online financial modeling coursework and training program offered by CFI, you can work toward earning your Financial Modeling and Valuation Analyst (FMVA)® certification.
Follow us on Twitter | https://legalnewsupdates.com/eo-insurance-errors-and-omission-insurance-eo/ | 1,494 |
The 2020 fire season has been record-breaking. Extreme temperatures and severe droughts, as a result of a climate change, have created a world that’s ready to burn. After months, although mostly under control, California is still battling a series of blazes. Not only has the total amount of acres burned reached over three million, but six of the top 20 largest wildfires in the history of California have been recorded this year.
Record dry weather and soaring temperatures hit the Western US in late 2019 and continued into February 2020. California was then the first state to declare a state of emergency in March due to a mass die-off of trees throughout the state, which could potentially increase the risk of more wildfires in the region.
The August Complex fire, a massive wildfire burning in Northern California, officially became the largest blaze in Californian history, burning more than 471,000 acres. The two other California blazes claiming a spot in the record books are the SCU Complex fire east of the Bay Area having razed 396,000 acres, and the North Bay LNU fire with 363,000 acres burned.
The 2020 fire season has proven catastrophic as blazes continue to create mass devastation in several regions worldwide.
Read more: California Blazes Wreak Havoc
Fires Terrorise the Amazon
Preserving the Amazon rainforest is of global importance in the fight against climate change. However, the area is under threat from forest fires, mostly started to clear land for agriculture.
A worrying number of fires were detected in Brazil’s Amazon. In the first seven months of 2020, more than 13,000sq km (5,019sq miles) of the Amazon was destroyed. This is more than eight times the size of London, putting Amazonian fires this year at the second-highest level since 2010.
The number of forest fires in the Amazon regions of Colombia, Peru and Venezuela is also higher than this time last year. For Amazonian countries, mining and agriculture are accelerating deforestation, and as a result, forest fires are rife.
Dozens of fires erupted in New South Wales, Australia, prompting the government to declare a state of emergency in November 2019. On January 3rd, officials warned that conditions would worsen over the following few days. By January 10th, another round of massive evacuations began across the hardest-hit regions due to dangerous winds fanning the flames. The timing and intensity of the fires were unprecedented.
Fires raged near the Australian capital Canberra for weeks – at one stage shutting the city’s airport as flames approached the perimeter. Victoria, where fires have burned 1.2 million hectares, extended their “state of disaster” for the worst-hit areas from January 2nd to 11th.
To date, the Australian fires have ravaged more than 115,000 square kilometres (44,400 square miles) of drought-stricken bushland and forest across Australia. They have destroyed thousands of homes, killing or displacing nearly three billion animals.
Fires Further Afield
Other notable fires this year have been the Uttarakhand forest fires in India that eventually gutted over 51 hectares across multiple districts of Uttarakhand.
Then the Siberian wildfires in Russia, where abnormally warm temperatures, sometimes reaching 100.4 °F (38.0 °C) well inside the arctic circle, have spawned an intense fire season in eastern Siberia this summer with fires consuming 14 million hectares (35 million acres).
Finally, the 2020 Chernobyl Exclusion Zone wildfires were a series of blazes that began raging inside Ukraine’s Chernobyl Exclusion Zone in April 2020.
Biggest Wildfire in History
On June 1st 1950, the Chinchaga Fire in British Columbia, Canada, started as a relatively small blaze that developed into a wildfire of such monstrous proportions that the thickness of the smoke looked like an atomic bomb had detonated. Many believed that the west was at war with Russia. The fire raged for five months, finally ending on October 31st in Alberta. In that time, it burned approximately 1.2 million hectares (3 million acres) of the boreal forest.
Feature Image: CalMatters.org
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- Iconic Brands That Have Prospered for Over 100 Years - 16th November 2020 | https://trulybelong.com/environment/2020/09/22/the-biggest-fires-of-2020/ | 919 |
Oil & Gas Consultants, Process Safety Consultants, Environmental Impact Consultants, Process Engineering Consultants, Risk Based Mechanical Integrity Programs
Oil & Gas Consultants work in many different capacities. Safety Consultants, Inspection Consultants, Process Engineering Consultants, Environmental Impact Consultants, all provide a vital service to the energy business.
In today’s litigious society, companies are quick to recognize the tremendous value that outside consultants can offer. It is a clear indication by the company to its commitment for safe workplace, corporate governance, ethical standards, environmentally clean footprint.
Consultants provide an unbiased examination of internal controls, safety measure, and optimization of Mechanical Integrity Programs. They have years of experience to draw from, and make recommendations for safety improvement, internal processing and handling, statistical analysis for failure probability, QA Manuals / Procedures, QA Support, & Record Keeping, Plant Turn Around and Start Up Procedures.
Consultants also provides a vehicle for the client company to shift a significant liability exposure burden to an outside company. A Consultant’s, role is usually restricted to strictly Consulting. They can make recommendations for change, but as a general rule, are not tasked with authority to enforce those changes. That provision remains with the Client. This sometimes leads to an erroneous conclusion that they have very little Professional Liability or General Liability exposure. In fact, recommendations can be viewed as opinions, which lead to a professional liability exposure.
Additionally, the fact Consultants and their employees have virtually unrestricted access to the client’s Petro-Chemical plants, Refineries, Manufacturing Facilities, with access to potentially sensitive company data, leaves them vulnerable and with a significant amount of liability exposure. Consultants are often required to sign a Do Not Disclose, or a Confidentiality Agreement. Knowing how the General Liability policy will respond to a claim brought about under a breech of confidentiality Agreement is often overlooked.
As is apparent from the above, consultants do have significant legal liability exposure, most of the times, far more than they realize. An Insurance Policy which does not take into account the true exposures into account, can leave the Consultant without coverage for legal defense and indemnification, in the event they are named in a law suit or put on notice for a claim or an incident.
Commercial Global Insurance / Higginbotham has the experience to craft commercial policies for Oil & Gas Inspectors & Safety Consultants, Refinery & Chemical Plant Inspectors & Safety Consultants, Environmental Consultants, Quality Assurance & Quality Consultants, and Process Engineering Consultants. Policies for Consultants can include General Liability, Professional Liability, Contractors Pollution Liability, Commercial Auto Liability, Commercial Umbrella, Worker’s Compensation Insurance & Commercial Property Insurance. | https://www.cglobalins.com/industries/insurance-for-oil-a-gas-consultants-2/ | 567 |
Fraud Detection Software Development
Fraud Detection Software Development. As businesses and consumers switch to online services and transactions, the challenge of stopping fraudulent activities has come into view. In order to curb these fraudulent behaviors, organizations are witnessing an ever-increasing need to invest in a robust fraud detection solution that can offer real-time, actionable alerts.
And according to a report from Fortune Business Insights, the global market of fraud detection and prevention is expected to reach a whopping $66.6 billion at a CAGR of 19.1% by 2028.
So, in today’s blog, we will help you understand what fraud detection software entails, making it easier to develop one for your business.
Fraud Detection Software Development
Fraud detection defines the techniques used to prevent money or identity theft through deception. You can think of fraud detection as a security barrier used to protect a business or its customers from cyber fraud, such as stealing credit card information, accessing sensitive data, etc.
And fraud detection software is an application program designed to monitor all business transactions, detect risks, and score each accordingly. It helps reduce financial losses a business undergoes due to malicious activities. Also, by providing real-time analysis, this software prevents fraud while maintaining transactional security.
What Should a Fraud Detection Software Consist?
Before learning how to build software solutions for detecting fraud, it is crucial to understand what components should be included in real-time, robust fraud detection software.
Here we have enlisted the significant elements to be integrated into the software:
Transaction Streams Ingestion
For detecting fraud in real-time, it is essential to have a system that can ingest a high volume of data like transaction amount, user information, location, IP address, payment methods, and other risk factors and process them as soon as they are generated.
Potential Fraud Analysis
Another important factor to add to the software is real-time monitoring. Identifying threats beforehand only does half the work, however, to act on the insights you need a system that monitors the analyzed results, raises alerts, and triggers responses to secure online transactions.
Read: Cybersecurity Trends
How to Build a Fraud Detection Software?
Now comes the part you were waiting for from the very beginning. In this section, we will learn the way to build a successful, robust, real-time fraud detection software for your organization. These steps involve:
The first step to building fraud detection software includes defining the goals by answering questions such as:
What are the fraud cases you want to detect?
What are the key measurements you want to focus on?
How many developers will be involved?
After defining the objectives, the next step is to identify data sources for the system. These data sources can be user profile, product usage, transactional data, and risk profile.
Once you are done with identifying data sources, it is time to consider some factors that will impact the architecture of the system. These factors are:
Fraud prevention operational flow (a way to handle and confirm suspicious events)
Detection frequency (a way to run data through scoring model)
Scoring accuracy (to access quality of the fraud scoring model)
What comes after defining the fraud detection system architecture is the pipeline development for data engineering, transforming, and modeling.
In data engineering data will be ingested, merged, aggregated, and set up from different sources.
Data transforming will improve the data quality and feed it to ML models.
And in the ML modeling pipeline, machine learning models will be created depending on the key metrics of the business.
Also, to build and integrate fraud detection system architecture and pipelines, you will need to hire experienced developers with hand-on experience. To verify their legitimacy, you can go through their portfolio and profile for a run down on their previous work.
This brings us to our next question…
Fraud Detection Software Development Cost
The cost of developing fraud detection software can range anywhere from $20,000 to $150,000. This variation in the cost is due to the difference in the software size, complexity, tech stack, integrated tools, hourly rate, development time, development team experience, and so much more.
The only way to know the exact cost of development is through consulting with industry experts who will gather all the information about your needs and provide you with a quote.
Read: What is Cybersecurity
That was all about fraud detection software development. And it goes without saying that these software solutions have become more than necessary for every business trying to minimize losses caused by fraudulent activities. Also, adding advanced technologies like machine learning and artificial intelligence can be impactful and efficient to prevent fraud and provide high security.
And if you are looking for outsourcing a development team that can build fraud detection software according to your business needs while staying within your budget, then you are at the right place. All you have to do is, contact our experts, share your requirements, get a quote, interview developers, and hire them to accomplish your goals.
So what are you waiting for? To have your fraud detection software developed, get in touch with us now!
FAQs: Fraud Detection Software Development
What are the technologies used to detect fraud?
Machine learning (ML) models and artificial intelligence (AI) algorithms are the major technologies used in fraud detection software to identify potential fraud.
Is fraud detection automated?
Yes, fraud detection tools and software are automated to carry out fraud detection around the clock, send alerts to users, and trigger appropriate responses to prevent fraudulent activities.
What is fraud detection software?
Fraud detection software is an application program designed to monitor all business transactions, detect risks, and score each accordingly. It helps reduce financial losses a business undergoes due to malicious activities. | https://www.decipherzone.com/blog-detail/fraud-detection-software-development | 1,182 |
If you are an insured person under the Allstate Florida auto policy, then you are eligible for a potential award from the Florida Allstate PIP Coverage Class Action Lawsuit! According to the lawsuit, Allstate entities failed to comply with Florida law regarding the payment of personal injury protection benefits under claims where examinations under oath were requested. Although Allstate denies all acts of allegations, they have agreed to settle the class-action lawsuit in order to avoid the further risk and cost of ongoing litigation. So if you are eligible, file a claim by 5/4/17 to receive your potential award!
Florida Allstate Lawsuit:
- Florida Allstate PIP Coverage Claim Form
- Claim Form Deadline: 5/4/17
- Who’s Eligible: According to the Allstate settlement documents, you may be entitled to benefits if you are a person or entity who is/was:
- An eligible insured person under an Allstate Florida auto policy (or an assignee of an eligible insured person under an Allstate Florida auto policy);
- Where the eligible insured person was injured in an automobile accident covered by the PIP coverage of an Allstate Florida auto policy;
- Where the eligible insured person was requested by an Allstate defendant to appear for one or more examinations under oath; and
- Where the payment of PIP benefits to the eligible insured person and/or an assignee was denied, in whole or in part, by an Allstate defendant because of the failure of the eligible insured person to attend a requested examination under oath and/or failure to produce the requested documentation or information at a requested examination under oath.
- Estimated Amount: Varies.
- Proof of Purchase: Yes, a proof of purchase is required.
- Case Name & Number: Feijoo v. Allstate, Case No. 11-37994CA05, in the 11th Judicial Circuit Court in and for Miami-Dade County, Florida
How To File a Claim:
- Head over to the Florida Allstate PIP Coverage Claim Form.
- Look over the claim form to see if you are eligible.
- Fill out the claim form with your information.
- Submit your claim by 5/4/17 to receive your potential award!
If you are an eligible insured person under Allstate Florida, then you are eligible for a potential award from the Florida Allstate PIP Coverage Class Action Lawsuit! According to the lawsuit, Allstate failed to comply with Florida law regarding the payment of personal injury protection benefits under claims where examinations under oath were requested. So if you are eligible, file a claim by 5/4/17 to receive your potential award! Don’t forget to take a look at our full list of Class Action Lawsuit Settlements!
The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months. Terms apply.
• 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S.,
• 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). | https://www.hustlermoneyblog.com/florida-allstate-pip-coverage-class-action-lawsuit/ | 763 |
What is public liability insurance?
Public liability insurance is invaluable if you are alleged to have injured a person not employed by you or damaged their property whilst going about your business. Often referred to as PL insurance, it covers the legal costs and expenses incurred in your defence, as well as any damages and costs that may be awarded.
Remember: accidents happen, so it’s wise to have cover in place for when they do. Here’s our quick guide to public liability insurance cover, what it covers, and how to get it.
How to get public liability insurance
While getting public liability insurance is straightforward, it’s important to consider is how much you need. This can vary depending on the size of your business, what it does, and how often you deal with the public.
If you’re unsure as to exactly what you need, then we’d be happy to offer advice and provide you with a quote. You can call our insurance experts on 0371 705 2535 or get an online quote straight away using the button below.
What does public liability insurance cover
Public liability claims against you can come when you find yourselves accused of negligence. A visitor to your business premises may trip or fall during their visit and believe that it was your fault. If they can prove their case, and the injury causes loss of earnings or even permanent disability, the claim could potentially cost tens or even hundreds of thousands of pounds.
Public liability insurance can protect you when this happens, covering compensation pay-outs, legal costs, and medical expenses. The same applies when a visitor’s property is lost or damaged while visiting your business – if they claim, you’re covered for that too.
Public liability insurance doesn’t cover you in the case of claims for injury or illness made against you by your staff or employees. In that instance, you’ll need employers’ liability insurance, just one of many small business insurance policies we provide.
What is the cost of public liability insurance?
Again, the cost of your public liability insurance cover is dependent on a number of factors. These can include how large (or small) your business is, the industry in which it operates, and what it does on a day-to-day basis. How much cover you require will impact the total cost too.
At Markel, we provide specialist cover for professionals, business, and charities from £5 a month. This £5 a month premium is based on a public liability insurance policy with a £1 million level of cover, and includes products liability, but the cost can increase depending on your needs.
What is the difference between public liability insurance and professional indemnity insurance?
Professional indemnity insurance is different to public liability insurance for a number of key reasons. The most obvious difference is that while public liability covers you against claims of injury or property damage and loss. Professional indemnity insurance covers you for claims brought against you for the work you produce, or the professional advice you provide.
Here are a couple of examples of potential claims in each case:
Public liability insurance: a visitor to your work premises slips on a wet patch on the floor when walking along a corridor. Or you drop a client’s laptop while carrying it for them, causing damage to the screen and internal workings.
Professional indemnity insurance: you’re hired to provide a form of training, but deliver a completely wrong and irrelevant module to your client. Or your negligence leads to important client documents and private information being lost or disclosed to others.
Frequently Aasked Questions
How can I protect against public liability claims?
As a specialist insurer for over 25 years, we have an unrivalled understanding of the risks that can lead to public liability claims. We've produced numerous guides to help professionals and charities protect themselves effectively. Having a risk management plan in place is an invaluable way to demonstrate that you have exercised 'reasonable care' to prevent injury, damage or other losses from arising.
Yet should a claim be made, insuring with Markel Direct will mean we are also there to manage it on your behalf from the outset: with swift, expert assistance from our highly trained claims team.
We offer specialist cover for professionals, business, and charities from £5 a month* – get an online quote now or call 0330 822 3554 for help arranging your policy.
*Price based on a business consultant requiring £1 million of public liability insurance.
What is public and products liability insurance?
Public and products liability insurance covers legal costs and compensation if a customer or member of the public is injured when using an item or product that you’ve sold to them. This can also apply if their property is damaged when using the product. If you’re a manufacturer or sell goods to the public, you could be liable, so it’s worthwhile having this form of insurance in place.
Do I need public liability insurance?
If you are a freelancer, business or organisation that deals with clients and members of the public on a face-to-face basis as part of your business activities, you should consider taking out public liability insurance. That's because there are a large number of 'wrongful acts' that can lead to a claim being made against you, ranging from a visitor to your premises tripping on a rug to damage you cause to third party property.
Public liability insurance also protects you against unexpected events, which can’t always be prevented. Unfortunately, most claims arise from events like water leaks that lead to slips, or accidental acts, such as an employee causing damage or injury to someone else's property. With so many ways for public liability claims to arise - not to mention such a wealth of companies encouraging often frivolous claims to be made – every business or organisation should give serious consideration to arranging public liability insurance.
How much can a public liability claim cost a business?
It may seem that, on first glance, most of these accidents are trivial. However, the truth is that even mild bruising caused by slips, trips and falls can lead to a 'soft tissue injury' compensation claim. Depending on the severity, this could cost around £2,000, plus legal fees that can typically add another £5,000 to your costs; unless of course you have the right public liability insurance in place.
But the costs can even spiral from there. For example, if a visitor to your premises has hurt themselves and they believe that your negligence was the direct cause of their accident, the claim could potentially cost tens or even hundreds of thousands of pounds. This will certainly be the case if the injury causes loss of earnings or even permanent disability.
Why choose Markel for public liability insurance?
With over 25 years’ experience in the business insurance market, you can trust Markel Direct when it comes to robust, reliable financial protection. Our experienced solicitors are available 24 hours a day, 7 days a week to give you legal advice when you’re facing a legal claim. There are no hidden fees either – we’re completely transparent when it comes to cost and if you want to change or cancel a policy, you won’t be charged any extra fees.
You can also get a quote in as little as 90 seconds when you fill in our easy online form. Just use the button below or call our team today on 0371 705 2535 to discuss your needs.
Need some help?
0800 640 6600
Mon - Fri 08:30 - 17:30
Local rate and mobile friendlySupport | https://www.markeluk.com/business-insurance/public-liability-insurance/what-is-public-liability-insurance | 1,553 |
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Introducing Defoamer Agent, the perfect silicone anti foaming agent in food, Foam-Eliminating Agent, and anti-foam agent additives. Our Defoamer Agent has a shelf life of 1 year and comes in a 125L/drum package with a content of ≥98%. It is easily soluble in water, making it the ideal solution for reducing and eliminating foam in food and other materials. Our Defoamer Agent is an efficient and reliable foam-reducing agent, perfect for a variety of different applications.
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This Defoamer Agent by Lanyao is a foam-eliminating agent, an anti-foam agent additive, and a defoamer agent. It is a liquid-based product with a content of ≥98%, a pH of 4.5-8.5, and a stable property. It is made in Jiangsu, China.
We provide technical support and service for Defoamer Agent. Our technical support team is available 24/7 to help you with any Defoamer Agent-related questions or concerns. We provide one-on-one customer support via phone, email, and live chat. Our team is also available to provide on-site support, if needed. We offer a comprehensive range of services to ensure that you get the most out of your Defoamer Agent experience.
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It’s winter! It’s cold (or maybe not)! While we enjoy beautiful weather for the majority of the year here in Sacramento, California, winter storms can still take us by surprise.
The best offense is a good defense
As the old saying goes, an ounce of prevention is worth a pound of cure. First, you should get your home ready for cold weather as well as complete the home maintenance monthly checklists for December and January.
Know your insurance
If your home is damaged from a winter storm, will your home insurance company cover the damages? In general, yes. Most direct damage caused from winter storms is covered. However, if your home shows signs of deterioration (i.e., not keeping up with your monthly maintenance), then you might be in for a battle to get your repair costs covered.
What happens if a tree falls on my property?
If a tree falls on your property and it damages one of the structures covered on your insurance policy, then your insurance company will cover the damages. But if it (or more than one tree) just falls on your land and no structures are damaged, then you’ll be responsible for those costs. Swimming pool fences, tool sheds, septic tanks, etc. are not usually covered under your home insurance policy, that is, unless you took out an insurance rider to get those items covered.
What kind of recourse is there for a power outage?
In general, you’re on your own during a power outage. But if you lose a significant amount of refrigerated items, most policies typically have a $500 allowance for refrigerated items. So if you have medicine that went bad or a month of groceries that you just purchased have spoiled, it might make sense to contact your insurance policy. Just remember though, that every claim you make on your policy can affect your insurance premiums.
What can I do to help expedite the repairs and/or repayment?
First, you should always have copies of your insurance policy handy and kept at an off-site location that you can easily access. You should also keep copies of receipts for all major work and upgrades on your home.
If you do have to have immediate repairs done to prevent further damage, keep those receipts readily available. If you don’t have receipts for your losses, you should write up an estimate of the total value of items damaged or spoiled.
Do you have good insurance for your California home? Or are you wondering if you could be paying less each month on your home insurance? Fill out our online quote and we can get you the right insurance for your needs. | https://bozzutoinsurance.com/dont-let-winter-storm-damage-leave-cold/ | 538 |
As the festive season embraces our homes with warmth and joy, the crackling fireplace becomes a centerpiece for cherished moments. However, amid the holiday cheer, it’s crucial to ensure that our fireplace celebrations remain safe and secure for everyone.
With an estimated 25,000 chimney fires occurring each year in the United States alone, it’s crucial for homeowners with fireplaces to educate themselves on proper safety measures to prevent accidents and ensure a safe and enjoyable experience. In this blog post, we will explore essential tips and advice to help you maintain a safe and festive atmosphere around your fireplace throughout the holiday season and beyond. By implementing these guidelines, you can relax and cherish the warmth of your fireplace, knowing that you have taken the necessary precautions to protect your home and loved ones from potential hazards.
1. Adorn with Caution
While decorating for the holidays, it’s tempting to embellish the mantel and surroundings with festive decorations. But remember, these decorations near the fireplace can pose fire hazards. Keep flammable objects like stockings, garlands, and wrapping paper at a safe distance from the flames.
Avoid placing gift boxes or wrapped packages near a fireplace due to their high flammability. Ensure a minimum 3-foot gap between all combustible items and heat sources like fireplaces, candles, and portable heaters.
Refrain from burning wrapping paper in the fireplace as it contains additives that ignite at extremely high temperatures.
Do not dispose of a Christmas tree by burning it in the fireplace. The wood from Christmas trees is unsafe for burning as it hasn’t been adequately cured or seasoned.
2. Screen the Hearth
Installing a sturdy fireplace screen acts as a protective barrier between the fire and your living space. It prevents sparks from escaping, keeping both your loved ones and your home safe from accidental fires.
3. Supervise Constantly
Especially with children and pets around, never leave the fireplace unattended. Assign a responsible adult to monitor the flames while they’re burning and ensure everyone stays a safe distance away.
4. Proper Tools for Safety
Equip your fireplace with the essential tools: a poker, shovel, and tongs. These not only aid in managing the fire but also prevent accidents that could occur if inappropriate tools are used.
5. Clear the Chimney Path
Before lighting a fire, ensure your chimney is clear of any obstructions or debris. This prevents the buildup of harmful gases and allows smoke to escape freely.
6. Routine Maintenance Matters
Regular chimney inspections and cleanings are vital for fireplace safety. Schedule a professional inspection to ensure your chimney is in top condition.
7. Educate Family Members
Educate everyone in your household about fireplace safety. Teach children about the dangers of fire and establish clear guidelines for behavior around the fireplace.
8. Have an Emergency Plan
Even with all precautions in place, emergencies can happen. Establish an emergency plan that includes evacuation procedures and knowledge of how to use fire extinguishers.
Holiday Fireplace Safety Precautions in a Nutshell
From using caution when adorning our fireplace mantels to having an emergency plan in place, there are many crucial steps we must take to create a safe and festive atmosphere around our fireplaces. Remember always to screen the hearth, supervise constantly, and use proper tools for added protection. And don’t forget about routine maintenance – it may seem like a chore, but it could save you from a potential disaster.
Lastly, educate your family members on fireplace safety and make sure they know what to do in case of an emergency. So this holiday season, as you cozy up by the fire with your loved ones, remember these essential tips and enjoy the peace of mind that comes with knowing you have taken all necessary precautions. Don’t wait until it’s too late – book now for a professional chimney cleaning or inspection to ensure your fireplace is ready for all your festivities. Celebrate safely, embrace the warmth, and cherish the togetherness around the hearth. | https://ecogrizzly.com/chimney_blog/safe-and-festive-holiday-fireplace-safety/ | 834 |
Fire Damage Claim | A traumatic event like fire or any other large loss to your property, frequently impairs your ability to make important decisions. Policy owners in their attempt to get their life back on track as quickly as possible, settle for a quick loss assessment and settlement, often to their detriment.
The full extend of suffered losses often surfaces long after their insurance claim is paid out and they have to finance the remaining repairs out of their own pocket. It is therefore prudent in times like this to employ a professional loss assessor who is not driven by emotions and can fight for the best settlement on your behalf.
Fire damage devastates joinery business in North Dublin
ICS received a call from a distressed business owner, his joinery works had suffered extensive damage following a fire.
Our client is a leading manufacturer of bespoke joinery for the specialist construction market, they manufacture doors, windows, stairs gates etc.
The fire was discovered when a passer by noticed smoke bellowing from the roof and notified our client. The fire service were called and attended with 4 units. They used water extensively to help extinguish the fire.
The business owner attended the site and found a scene of devastation, he had built up his business for over 30 years and now feared that this event would ruin it. His high end valuable specialist wood working machinery and raw materials were extensively damaged by fire. They also suffered secondary smoke and water damage.
ICS Loss Assessor appointed to manage the claim
ICS loss assessor conducted a full on site survey within 1 hr of receiving a call. We photographed the site extensively, measured up the unit and compiled a detailed inventory of damaged stock and equipment. We then liaised with engineering experts and specialist suppliers and found that the majority the machinery and stock had been either fire damaged, water damaged or both.
ICS met with the insurance companies loss adjusters the next afternoon and we discussed the loss in detail. The damage to the equipment effectively meant that our client was now out of business temporarily until he could purchase new equipment and find new premises , the duration of reinstatement and claim administration had to be kept to a minimum as our client had a number of large projects on the books for delivery.
ICS put in place an extensive claims management plan within 24 hours and assisted our client in appointing specialist engineers and professionals to assess and quantify the loss to the specialist wood working equipment. ICS compiled, presented and negotiated the loss with the loss adjusters and worked very hard to secure a settlement that was acceptable to our clients within the tight time frame.
ICS Claim management outcome
Fire claims of this magnitude usually take a long time to assess and settle. This frequently causes the business to close down as the clients go elsewhere. The business owner found out that by using ICS, they had less production downtime, less stress, and received a much quicker and more favourable settlement.
By handing the claim proactively and efficiently, ICS saved the insured’s livelihood and prevented their business from closing down. | https://insuranceclaimsolutions.ie/commercial-joinery-north-dublin/ | 607 |
Inflating or creating a false insurance claim is never a good idea. Depending on the level of fraud committed, penalties can range from a hefty fine to jail time. Many make think it is a victimless crime, but insurance fraud affects everyone. According to Aviva Canada, false insurance claims cost over $1.6 billion dollars annually, even with robust anti-fraud teams in place, and that money has to come from somewhere. Unfortunately, it is usually in the form of higher insurance premiums for everyone.
Remember, it is illegal to profit off of an insurance claim in any way.
Types of Insurance Fraud
There are many different ways to create a false insurance claim. These are some of the most common that anti-fraud teams are well aware of and constantly on the lookout for.
- Claims filed after a disaster (such as flooding in a home) listing items that did not exist.
- Jewelry that is lost or stolen claimed to have a higher value than it actually did.
- Claiming an item to have been lost or stolen when it wasn’t.
- Declaring a vehicle to have been stolen when it has not been, and is perhaps hidden away in storage or on a different property or simply discarded somewhere.
- Staged car crashes do occur. Claimants may want to write off their vehicle to receive its cash value or obtain access to costly medical service they may not have otherwise been able to afford.
- Other staged car accidents may be a single driver who deliberately causes an accident by braking suddenly in order to claim whiplash injuries.
- Deliberately set home fires are not as common, but they do happen. Policy owners may remove valuable items before the fire and then claim the loss of the most expensive.
- Commercial liability fraud may occur through employers claiming injury, disease and death to members of the public or to an employee.
Prove You Are Not Committing Fraud With Photographs
After a car accident, everyone knows to take pictures of the damage to your vehicle, damage to any other vehicles, and any damage to private or public property. But it’s also important to take photos before an accident as well. You adjuster may not require them in order to process your claim, but it can greatly simplify the process to have them handy if necessary. Photos of your car prior to having been in an accident can prove its condition and make it much easier to evaluate which types of repairs are necessary.
Every year at renewal time, carry out a thorough home inventory to document any new items and any changes or upgrades you have made. Photograph everything and be sure to let your insurance provider know of any added value to your home.
For jewelry, always take numerous photos of your valuable pieces and make sure to have each appraised. Keep the appraisal documents in a safe space, such as a safety deposit box. Check the special limits of your policy for jewelry, as default limits can tend to be on the low side.
Responsibilities of Insurance Companies
Your insurance company is responsible for compensating you for reported losses according to the terms of your policy. Adjusters will review your claim along with receipts, photos, and other reported details of claim-related incidences to ensure you are reimbursed for damages within the parameters of your coverage. The kind of compensation you receive depends entirely upon the type of coverage that you purchase.
If you are unsure about the terms and conditions of your insurance policy, contact us at your insurance renewal time so we can thoroughly go through your policy with you. It’s not unusual to simply purchase the first policy that is offered without asking the right questions, and that’s what we’re here for. We can help explain the language of your policy in a way you understand so that you know exactly what you are getting, and if you are unhappy with your coverage we can renegotiate with your current company or find a new policy that better suits your requirements.
Remember, there should be no penalty for switching providers at renewal time. It’s your opportunity to make the changes you need.
Trust Lane’s For All of Your Insurance Coverage Needs
At Lane’s Insurance, we are here to assist you with all things insurance. Many mistakenly believe that all insurance brokers do is find insurance coverage for clients and then they walk away, but we pride ourselves for being advocates for our clients throughout the lifetime of their policy. This means not only finding you the very best coverage for your needs, but also being there for you is you should ever have a question that you don’t feel you are getting a clear answer for, if you need assistance with the claims process, and if you ever need documentation such as a certificate of insurance. | https://lanesinsurance.com/false-insurance-claims-are-a-crime/ | 971 |
How Does the Claims Process Work?
If the adjuster determines there is damage when he meets with your contractor, it usually takes about a week (although in some cases it could be same day) you will receive a list of damages the insurance company has agreed to pay for, along with your first check.
This is the ACV (Actual Cost Value) check. This represents the fair market value of your roof today. Much like a car, a 10-year-old roof is worth less than a new roof, and the difference between those two amounts is called depreciation. So, the ACV is the cost to repair or replace the damaged property, minus depreciation.
The ACV plus the depreciation (which you will be paid AFTER the work is done), equals the RCV (Replacement Cost Value). Most storm damage contractors will agree to perform the work for the RCV amount paid by insurance, whatever that amount may be. So, your only out of pocket expense will be your deductible.
So, for example, let’s say you have a 10-year-old roof, and the actual cash value of that roof is $8,000. Let’s also assume it will cost $15,000 to get your roof replaced with a new roof of like kind and quality (that would be the replacement cost value or RCV). The $7,000 difference represents the depreciation. The age and condition of the roof are considered when calculating this depreciation. The older the roof, the higher the depreciation amount.
The insurance company will write you a check right away for $8,000 (ACV). If you do choose to have your roof replaced, then once the work is complete, your contractor will submit a certificate of completion to the insurance company for the work that was done. At that point, your insurance company will release your depreciation payment. Once received, you will either sign that check over to the contractor or deposit it into your account and issue a personal check to the contractor for the remaining balance of the work.
Keep in mind that when the work is completed, the insurance company will issue a check for the recoverable depreciation (there may also be non-recoverable depreciation in some cases, but that is beyond the scope of this article- please ask your project manager to explain) only if the total expenses are equal to, or greater than the total settlement. Many people never get the final depreciation payment because they do not understand the process or the contractor, they chose didn’t understand the proper procedures. When this happens, you can lose thousands of dollars. | https://wordpress-383302-3882750.cloudwaysapps.com/insurance-claims-2/ | 530 |
NIS2 Directive and the Cyber Security Act: An analysis of the relationship to the security of the Czech Republic and the EU
The implementation of the NIS2 Directive and the Cybersecurity Act in the Czech Republic brings new opportunities and challenges. Effective cooperation between the public and private sectors and flexible adaptation of legislation to the constant evolution of cyber threats are key. The Czech implementation of the Cyber Law is part of the European efforts to strengthen cyber security. It also raises the question of coordinating the EU cyber strategy and finding a balance between security measures and innovation for the competitiveness of the digital economy.
The European NIS Directive2 and the draft new law on cyber security in the Czech Republic reflect evolutionary trends in the context of growing cyber threats. The approval of NIS2 in December 2022 showed that the European Union is aware of the complexity of today's cyber challenges and is working to prevent potential threats. The introduction of the directive into Czech legislation through a new law reflects the desire to adapt to current challenges and strengthen overall cyber resilience.
The draft law on cyber security in the Czech Republic highlights the need to modernise the legal framework to better reflect current and future cyber threats. It emphasises the expansion of regulated entities and the implementation of new processes and tools to strengthen cybersecurity. At the same time, it introduces measures aimed at ensuring the security of supply chains to reduce dependence on external suppliers as a potential strategic threat.
From a European perspective, the harmonisation of legal frameworks between Member States is a key step towards overall strengthening of cyber security within the European Union. This harmonisation of approaches across the EU is helping to create a single standard for cyber security, enabling effective responses to the challenges of the modern cyber age. The implementation of NIS2 and the new law on cyber security is thus not just a legislative step, but a strategic step towards strengthening the overall security of the Czech Republic and the European cyber space.
The increase in cyber threats demanded action, and so the National Cyber and Information Security Bureau (NCIS) introduced an innovative law on cyber security. This legislation introduces new processes, tools and simplifications to the legislation contained in the proposal, highlighting their potential benefits to strengthen the Czech Republic's cyber resilience.
The new legal framework encourages the expansion of the NCIB's competences and provides tools for far-reaching monitoring and protection of cyber assets in the Czech Republic. It also brings measures to protect strategically important sectors, where the need to have control over supply chains is emphasised. These measures not only reduce the risk of cyber attacks, but also strengthen the Czech Republic's sovereignty in the area of cyber security.
In parallel with strengthening cybersecurity at national level, the NIS2 and the Czech law represent a significant step towards coordination and harmonisation within the EU. Effective cooperation in the field of cybersecurity is essential, especially at a time when threats cross borders and can have a systemic impact. Harmonisation of regulations and standards within the EU allows for faster and more effective responses to new threats and thus strengthens the collective resilience of Member States. In this way, the Czech Republic is actively contributing to building a unified and resilient European cyber infrastructure.
The implementation of the NIS2 Directive and the Cybersecurity Act in the Czech Republic brings new opportunities but also challenges. Effective cooperation between the public and private sectors, including other stakeholders and interested parties, is crucial for the successful implementation of these measures. It is important to pay attention to the constant evolution of cyber threats and to flexibly adapt legislation to adequately reflect these threats. This implementation in the Czech Republic is not an isolated effort, but part of a broader European effort to strengthen cybersecurity. The question then is how the EU will continue to coordinate its cyber strategy, including the possible further development of the NIS2 Directive. Member States are expected to work together to strike the optimal balance between security measures and fostering innovation, which is essential for the competitiveness of the digital economy.
In the context of global interconnection of digital spaces, it is crucial to strengthen international cooperation. The Czech Republic and the EU can actively contribute to shaping international cybersecurity standards and strengthening global cybersecurity stability. Participation in international initiatives and partnerships enables more effective resistance to threats that know no borders.
At the same time, it is important to support education and information campaigns aimed at raising cyber awareness in civil society. Security awareness in the population is key to overall cyber resilience. Broad collaboration between the public and private sectors in this area strengthens society's ability to quickly identify and respond to cyber risks.
The implementation of the NIS2 Directive and the new Cybersecurity Act paves the way for further steps in the field of cybersecurity in the Czech Republic and the EU. However, it is necessary to monitor not only the dynamic nature of cyber threats, but also to respond flexibly to new technological developments. Future success will depend on the ability to adapt to changing challenges and to create an innovative and resilient cyber ecosystem. | https://www.czdefence.com/article/nis2-directive-and-the-cyber-security-act-an-analysis-of-the-relationship-to-the-security-of-the-czech-republic-and-the-eu | 989 |
Two people rescued from Bradbury house fire
Published: 6th March 2006
Firefighters have rescued two people from a burning home in Bradbury in Sydney’s south west. Fire crews were called to the house just before 11.30 pm on 3 March 2006. When the Campbelltown crew arrived six minutes later they found a single level brick house well alight with the occupants trapped inside. Fire crews from Rosemeadow and St Andrews were also responded; 15 firefighters were committed to fighting this fire.
Firefighters put on air cylinders to undertake a search and rescue. A firefighter forced entry through the rear of the house and found an unconscious woman lying in the kitchen. Another firefighter entered the house through a lounge room window and found a man in a bedroom. Both were removed to safety and treated for smoke inhalation injuries by firefighters and Ambulance officers before being conveyed to hospital. A Police officer and a neighbour who assisted the firefighters were also treated for the affects of smoke inhalation.
Within 20 minutes fire crews had the fire contained to 60% of the house. They remained on the scene for another three hours completing extinguishment, mopping up and assisting with investigations.
The Campbelltown Station Officer, George Brown, was proud of the efforts of his crew. ’The firefighters’ actions were the bravest I’ve seen in 26 years of firefighting,’ he said.
Station Officer Brown also praised the efforts of the Police and a neighbour who attempted to gain entry to the burning house before fire crews arrived. Police officers also assisted firefighters to carry the casualties to the treatment area.
The fire extensively damaged the house. The cause is being investigated by the NSW Fire Brigades’ Fire Investigation and Research Unit and the Police. | https://www.fire.nsw.gov.au/article.php?record=405 | 357 |
A fire ignites and explodes within moments, and can destroy everything. People who invest in fire safety systems gain significant advantages. Fire safety requires sensors, suppressors, sprinkler devices, extinguishers, and other equipment to alert or track threats. Such systems minimize structural loss, protect expensive equipment, supplies, and stock.
For companies and home owners, fire protection consulting is very important, too,
Fire protection consulting is critical both for your well-being and your properties. There are many safety appliances accessible in the marketplace, but only specialist experts can help you make the right decision. It may even be daunting for you to meet the design criteria, but they take very good care of all the fire protection gear needs when you employ firefighters.
Benefits of Hiring Fire Protectors
Here are the following benefits of hiring firefighters:
Regular fire inspection is necessary to make sure that your workplace or residence does not have vulnerabilities. Fire safety checks or services are carried out to ensure that the house or workplace is safe and that any firefighting equipment is correctly laid down.
Firefighters can track quality practices closely to guarantee that the site is safe. They give recommendations to enhance health and safety standards.
2. Safety Equipment Installation
They know how to install the equipment in a prompt and secure way. They are aware of the uses of appropriate smoke alarms and sprinkler systems.
The firefighting equipment must be replenished periodically, such as fire extinguishers. The deal to repair the equipment annually includes the firefighting operation. Cases with faulty appliances that contribute to fires in residence are very common, but contracted companies hold accidents at bay as they do not do regular maintenance.
4. Monitoring the fire alarms
The early finding is essential to prevent costly damage and damage to properties. Fire fighters’ experts help you know about the potential threats of fire.
Get Fire Protection Consulting from Roycans
Most firefighters are available round the clock. You can call them to get fire services. At incredibly stressful periods of the time, you should not feel stress as we are here to help you out. We will let you know what to do and how to deal with such situations. Count on our fire and industrial safety consultants.
Fire security is an enforcement operation. The purpose of fire protection is not limited to public regulation, but it safeguards your health. You can protect your expensive assets against the possibility of accidental fires anytime by employing fire safety services.
You may also like: What Hazards you can encounter when working with Forklift? | https://www.lezeto.com/herss-why-you-need-to-hire-firefighters/ | 510 |
Don't get stung: Seven top tips that will make sure your insurance claim is successful
Make the most of Money Mail's tips to enure some of the pain is taken out of replacing your prized possessions.
TAKE PICTURES OR A VIDEO OF ALL YOUR BELONGINGS
When it comes to insurance, a picture really is worth a thousand words.
So take photographs and videos of everything you own. If you’ve a smartphone or an iPad, use it to take footage as you go from room to room. Pan round slowly and shoot close-ups of expensive items, such as electronics and jewellery — and don’t forget the shed and garage.
Worry: Make sure you take the strain out of making an insurance claim
Save on a memory card or hard disk, or email them to yourself so you’ll always have a copy.
You may want to keep the disk in a safe place, such as a safety deposit box or even a relative’s house. Then, if the worst comes to the worst and your house is burned down or flooded, you’ll have a detailed record to make a claim.
BE ACCURATE WITH THE VALUE OF POSSESSIONS
When you take out home insurance, be accurate when you state the value of contents.
Over-estimating will raise your premium and under-estimating can lead to large parts of any claim being turned down. For example, if you said you had £20,000 of valuables in your home, but actually had £30,000, you would be under-insured by about 33 per cent.
If you claim for £10,000 and your insurer finds you are under-insured, it will knock a third off your claim and you’ll get just £6,666. About one in ten claims is rejected because the customer does not have enough insurance cover.
DON’T JUST CHOOSE THE CHEAPEST FIRM
Most households use a comparison website to find the best insurance quote. But the problem with these is they list policies by the cheapest price. It can mean that largely unknown firms can come at the top of your results.
But to top the table, insurers will often scale back the cover provided.
This may mean basic things you assume are included in the policy are actually excluded. Or it might be that the excess you have to pay before making a claim is very high.
Try to call the customer services department of any insurer and see how you are treated.
The Financial Ombudsman publishes complaints figures for insurers twice a year. Find them on its website (see below).
Money Mail also publishes its Wooden Spoon Awards for bad customer service in January — and insurers often feature in the list.
A new company, Fairer Finance, tracks major insurers over three years and rates them out of 100 according to their transparency and how they handle complaints.
You also need to watch out for different brands where the insurance is provided by the same company.
If you go with Insure & Go, Flexicover, Top Dog or Virgin Money, Spanish insurer MAPFRE will be underwriting your policy and possibly administering it, too.
MAPFRE’s record at the Ombudsman is pretty poor — with 46 per cent of complaints upheld in the customer’s favour over the past three years, according to Fairer Finance.
LOST SOMETHING? REPORT IT NOW
Most insurers require you to file a claim within a strict time limit of an incident occurring. So, don’t delay.
If your mobile phone is stolen, you’ll often have to report the theft to police within 24 hours and inform the insurer within 48 hours.
Fail to do this within the given time and your whole claim may be rejected, or you’ll be left to foot the bill for any fraudulent calls made. For this reason, always keep your insurance details to hand.
NEVER TRY TO FIX SOMETHING FIRST
Most insurers have deals with repairers and stores. If you need to claim, these will be on hand to help.
So, no matter what happens — whether it is your roof being blown off, damage to your car or a leaky pipe — don’t get someone to fix it without calling your insurer first.
It may well be that you’ll be allowed to choose a preferred tradesman. But if you’re not, then you could find your claim is turned down.
BE HONEST WITH YOUR INSURER
At Money Mail we see hundreds of sad cases where people have a travel insurance claim turned down because they have not told a firm about a medical problem.
If you’ve been referred to hospital for a consultation, tell your insurer (even if you’ve had the all-clear). And don’t book a holiday if you are awaiting test results.
Be open and honest about past illnesses or treatment, and don’t forget about medication you may be on.
It is better to pay a little more for insurance than to lose the cost of a holiday if you have to cancel a trip.
The same goes for home insurance if you buy costly new items.
The good news is the Ombudsman takes a dim view of insurers that abuse exclusions to avoid paying out or reject claims if the information you failed to give doesn’t have much to do with your claim.
COMPLAIN - THEN COMPLAIN AGAIN
Insurers regularly make mistakes when dealing with claims.
The Financial Ombudsman finds in favour of the consumer in 40 per cent of cases where it is called to mediate.
And this is across all insurance.
Some types of cover have a much higher rate. Customers who complain about mobile phone insurance win in 73 per cent of cases, and card protection insurance is 75 per cent.
Keep any letters and a record of all phone conversations.
Contact the Financial Ombudsman Service by calling 0300 123 9123 or visiting its website.
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Have you ever gone for an insurance claim? Did you also get irritated with the slow and clunky process of claiming? Then, let’s meet Sprout AI.
Sprout AI, a tech company, uses AI to revolutionize the claims process for significant insurance companies worldwide. Their software, designed for the insurance industry, simplifies the entire journey from claim initiation to settlement. This process could drag on for a month or even longer in the pre-Sprout era. Thanks to Sprout, it happens almost in the blink of an eye.
This isn’t just a win for insurers; it’s a game-changer for claimants too. No more slogging through dense documents and unorganized data. Instead, claim handlers can dedicate their time to empathizing with claimants, ensuring a more compassionate and overall superior experience.
Sprout AI Story
Before Sprout entered the scene, processing insurance claims used to drag on for up to a month and sometimes even longer. But now, thanks to Sprout’s cutting-edge technology, it happens in near real-time. This transformative tech has already found its way to insurance giants like Zurich and MetLife, automating tasks that once took hours and wrapping them up in seconds.
In a conversation with Startups earlier this year, Sprout AI co-founder Niels Thoné shared his vision of success, driven by a desire for a better experience throughout the claims process. Thoné emphasized, “Ultimately, the end goal is to create business value while positively impacting people’s lives. Our mission is simple – to help people when they are most vulnerable. We will have achieved our goal if we have assisted 100 million people with their claims.”
What’s the future?
The ultimate aim is to generate business value while positively impacting people’s lives. Achieving satisfaction from hundreds of millions of customers is no small feat. Yet, armed with the support of several insurance companies and a tech team brimming with top-notch talent, Sprout.ai is strategically planting the seeds for success in the trillion-dollar insurance market in the years to come. | https://www.trickyenough.com/news/sprout-ai-get-quick-and-easier-insurance-claims/ | 444 |
SAN FRANCISCO (AP) — Firefighters say they hoped dying winds would enable them to bear down on a wildfire that exploded in the Northern California wine country, prompting tens of thousands of evacuations while a second blaze killed at least three people.
The Glass Fire raged through Napa and Sonoma counties on Monday, tripling in size to around 56.6 square miles (146.59 square kilometers) without any containment.
Some two dozen homes had burned, the San Jose Mercury News reported.
The fire north of San Francisco was driving through brush that hadn’t burned for a century, even though surrounding areas were incinerated in a series of blazes in recent years.
But dry winds that gave the flames a ferocious push appeared to have eased by Monday evening and firefighters were feeling “much more confident,” said Ben Nicholls, a division chief with the California Department of Forestry and Fire Protection, known as Cal Fire.
“We don’t have those critical burning conditions that we were experiencing those last two nights,” he said.
The Glass Fire is one of nearly 30 wildfires burning around California and the National Weather Service warned that hot, dry conditions with strong Santa Ana winds could remain a fire danger in Southern California into Tuesday.
In a forested far northern part of the state, more than 1,200 people were evacuated in Shasta County for the Zogg Fire.
Three people have died in the fire, Shasta County Sheriff Eric Magrini said Monday. He gave no details but urged people who receive evacuation orders: “Do not wait.”
Residences are widely scattered in the area, which was torched just two years ago by the deadly Carr Fire — infamously remembered for producing a huge tornado-like fire whirl.
Pacific Gas & Electric had cut power to more than 100,000 customers in advance of gusty winds and in areas with active fire zones. The utility’s equipment has caused previous disasters, including the 2018 Camp Fire that killed 85 people and devastated the town of Paradise in the Sierra Nevada foothills.
By Monday night, the utility said it had restored electricity to essentially all of those customers. However, PG&E said about 24,000 people remained without power in areas affected by two fires in Napa, Sonoma, Shasta and Tehama counties.
So far in this year’s historic fire season, more than 8,100 California wildfires have killed 29 people, scorched 5,780 square miles (14,970 square kilometers), and destroyed more than 7,000 buildings.
The Glass Fire began Sunday as three fires that merged and drove vineyards and mountain areas into eastern Santa Rosa. Some 70,000 people are under evacuation orders, including the entire 5,000-plus population of Calistoga in Napa County.
Some people were injured and Sonoma County sheriff’s deputies had to rescue people who ignored evacuation orders, officials said.
Sonoma County Supervisor Susan Gorin, who lives in the Oakmont area of Santa Rosa, heeded the order to flee late Monday night. It took her nearly two hours of crawling along a jammed road to reach safety.
Gorin’s home was damaged in another fire three years ago and she was rebuilding it. She saw three neighboring houses in flames as she fled.
“We’re experienced with that,” she said of the fires. “Once you lose a house and represent thousands of folks who’ve lost homes, you become pretty fatalistic that this is a new way of life and, depressingly, a normal way of life, the megafires that are spreading throughout the West.”
Gorin said it appeared the fire in her area was sparked by embers from the Glass Fire.
Ed Yarbrough, a wildfire evacuee from St. Helena in Napa County, watched firefighters douse flames across from his house Monday.
“I can see in the distance that it looks like it’s intact,” he said but said spot fires were still being doused.
“So I know we’re not really out of the woods yet, and the woods can burn,” he said.
The fires came as the region approaches the anniversary of the 2017 fires, including one that killed 22 people. Just a month ago, many of those same residents were evacuated from the path of a lightning-sparked fire that became the fourth-largest in state history.
“Our firefighters have not had much of a break, and these residents have not had much of a break,” said Daniel Berlant, an assistant deputy director with Cal Fire.
Officials did not have an estimate of the number of homes destroyed or burned, but the blaze engulfed the Chateau Boswell Winery in St. Helena and at least one five-star resort.
Numerous studies in recent years have linked bigger wildfires in America to climate change from the burning of coal, oil and gas. Scientists say climate change has made California much drier, meaning trees and other plants are more flammable.
Associated Press reporters Christopher Weber and John Antczak in Los Angeles, Juliet Williams in San Francisco and Haven Daley in Santa Rosa, California, contributed to this report.
Image: Smoke rises over a vineyard as the Glass Fire burns, Monday, Sept. 28, 2020, in Calistoga, Calif. (AP Photo/Noah Berger) | https://244.18.118.34.bc.googleusercontent.com/dying-winds-give-crews-hope-in-northern-california-fires/ | 1,137 |
Are you a Toronto homeowner looking to make some upgrades to your home? Well, have you considered upgrading your boiler? It may not be the first thing that comes to mind when thinking about home improvements, but trust me, it’s worth considering! In this blog post, we’ll explore why upgrading your boiler can be beneficial for both your comfort and your wallet. So grab a cup of tea (or coffee) and let’s dive into the world of boilers!
Why upgrade your boiler?
When it comes to upgrading your boiler, there are several reasons why it’s a smart move for Toronto homeowners. An upgraded boiler can greatly improve the efficiency of your heating system. Older boilers tend to be less energy-efficient, which means they consume more fuel and ultimately result in higher utility bills. By investing in a new boile boiler replacement toronto, you’ll not only save money on your monthly heating costs but also reduce your carbon footprint.
Another reason to upgrade is improved reliability. As boilers age, they become more prone to breakdowns and malfunctions. This can leave you without heat during those cold winter months when you need it most! Upgrading to a newer model will give you peace of mind knowing that your boiler is reliable and less likely to experience unexpected issues.
Additionally, modern boilers offer advanced features that older models simply don’t have. For example, many newer boilers come with programmable thermostats that allow you to easily control the temperature settings in your home. This level of customization ensures optimal comfort while also helping you manage energy usage efficiently.
Let’s not forget about safety concerns. Older boilers may pose a risk with their outdated components or potential gas leaks. Upgrading your boiler ensures that you have the latest safety features installed, giving you confidence in knowing that both yourself and your loved ones are protected.
So whether it’s saving money on energy bills, improving reliability and comfort levels or prioritizing safety – upgrading your boiler is definitely something worth considering for any Toronto homeowner!
The benefits of upgrading your boiler
When it comes to upgrading your boiler, there are a multitude of benefits that can greatly enhance the comfort and efficiency of your home. An upgraded boiler can provide improved energy efficiency which translates into cost savings on your monthly utility bills. With advancements in technology, newer boilers are designed to operate with greater efficiency, ensuring that you get the most out of every unit of fuel.
In addition to saving money, upgrading your boiler can also have positive environmental impacts. Older boilers tend to be less efficient and produce higher emissions compared to their modern counterparts. By investing in a new boiler system, you not only reduce your carbon footprint but also contribute towards a greener future for our planet.
Another advantage is the increased reliability and durability offered by upgraded boilers. Older units may start experiencing more frequent breakdowns or require costly repairs due to wear and tear over time. Upgrading allows you to enjoy peace of mind knowing that your new boiler will operate smoothly and reliably for years to come.
Furthermore, newer models often come equipped with advanced features such as programmable thermostats and smart controls. These innovative technologies allow for better control over heating schedules and temperature settings, resulting in optimal comfort levels tailored specifically to suit your needs.
Upgrading your boiler can also add value to your home should you decide to sell in the future. Buyers appreciate energy-efficient homes with updated systems as they offer long-term savings on utility bills while providing reliable performance.
Upgrading your boiler offers numerous benefits including increased energy efficiency, reduced environmental impact, enhanced reliability and durability; along with advanced features for customized comfort settings – all factors contributing towards maximizing both financial savings and overall satisfaction as a homeowner | https://businesssmash.com/benefits-of-upgrading-your-boiler-a-toronto-homeowners-perspective/ | 765 |
Health Insurance Broker In Centennial, CO
Struggling to find the right health benefits in Centennial, CO? You’re not alone. It can be difficult to find the right individual, family, or business policy. Everyone is different, and everyone’s budget and health needs are different. So, DesignTM Health is here to help. As leading Centennial, CO health insurance brokers, we’ll help you pick the right policy for your own unique situation.
Find The Right Centennial, CO Health Benefits With DesignTM Health
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Midsize group coverage is meant for companies with 51-100 employees, and it’s one of our specialties. If your business is growing and you want to expand your Centennial, Colorado health benefits for employees, we’re here to help. We will work with you to choose a policy that offers excellent benefits at a reasonable rate. | https://designhealth.com/centennial-colorado-health-insurance/ | 368 |
Hunting and Outfitting
Specialty Risk Insurance Agency provides industry tailored insurance for the hunting and outfitting professionals. If you lead or teach others in fishing, hunting, horseback riding, cross country skiing, boating, snowmobiling, hiking, biking, or photography tours, we can help you. If you own a hunting lease, campground, shooting range, gun club, fishing charter, hunting preserve, or lodge we can help with your insurance needs, too.
We write custom insurance policies, which allow you to ride with confidence. Protect your horses, barns, trailers, and tack investments with a custom policy by a Specialty Risk Insurance Agency producer. Insuring your purchase before you leave the sale is the second most important move after selecting the next addition for your equine program. Headquartered in Carthage, Missouri, our sales team knows what’s important to your policy because they live and breathe the equine industry, too. As a horse owner, equine liability covers your home and your horse operation, on and off premises, including boarding, breeding, racing, training, horse shows, and riding instruction. We not only write policies for horse owners, but also for veterinarians, trainers, and barn owners. Our custom policies can include transportation, mortality, life insurance, workers compensation, and group and individual health insurance. | https://specialtyriskinsuranceagency.com/services/farm-and-ranch/hunting-and-outfitting | 274 |
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Dataset Card for Dataset Name
This dataset card aims to be a base template for new datasets. It has been generated using this raw template.
Dataset Details
This dataset includes texts from huggingface/fineweb that are releated to property and casualty insurance. This dataset is deduplicated with MinHash. Further curated dataset for insurance will be following.
Dataset Sources
- Repository: HuggingFace/fineweb
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