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What’s the Right Amount of Dog Bite Insurance to Have?

All dog owners need dog bite insurance to protect them from lawsuits that are often the result of injuries caused by their dogs. Some owners might have difficulty procuring a policy for canine liability since many types of dogs can be difficult to insure, mainly because insurers may be hesitant to provide coverage for certain breeds. Policies for canine inflicted injuries should be made readily available, and affordable to dog owners, because no one who can be found liable for injuries to another person should be exempt from purchasing coverage that addresses such issues.

Statistics Show Just Why Insurance Is Necessary

Consider that annually about 800,000 dog bites occur that require medical attention in the US, and that more than half of the victims are children. This is obviously a concern and the medical costs and other losses stemming from a severe bite to the face could range from the tens of thousands to hundreds of thousands of dollars.

A judge could impose an extremely large judgment that could obviously have quite a staggering effect upon a homeowner without insurance. A person found liable could literally lose their house, which is why homeowners insurance without protection against dog bites just isn’t practical. No one should have to risk their home and possessions because they were denied a policy that provides so much needed protection.

However, the rates for the owners of smaller dogs should not be equal to the amount of those owners of dogs that are bigger, stronger, and capable of inflicting more severe injuries. There are obvious distinctions among different breeds and types of dogs in that smaller dogs generally are incapable of inflicting a significant degree of damage. Therefore, there should be certain considerations for the cost of this insurance depending on these types of comparisons.

While it may seem complicated as to exactly how much dog bite insurance is necessary for owners living with different circumstances, the bottom line is these policies should be made available in order to offer protection to both, the owners, and any potential victims of their pets.

Money Saving Tips for Cheap Car Insurance in CT

Auto insurance is required by every state in the nation and is a necessary expense for anyone involved in an accident. By having this protection, if any vehicle is damaged, or any person injured, the insurance company will generally pay most, or all of the expenses involved.

The cost of insurance varies from one company to the next, and from one policy to the other, so deciding what type of coverage might be required, as well as desired, allows you to make an informed decision based on your needs as well as complying with state requirements.

When shopping for cheap car insurance in CT. it’s a good idea to compare rates and coverage options, and also follow some helpful suggestions that may provide you with significant savings.

 

Costs may vary with the type of car being insured

Before buying a new or used car, you should probably check into insurance costs. Cars that are expensive to repair, or are generally targeted by thieves, often have a much higher cost for insurance. Costs tend to be lower in rural communities, and higher in cities where there is much more traffic congestion.

Drivers may be able to take advantage of discounts on some coverage if they have automatic seat belts and/or airbags or anti-lock brakes. Anti-lock brakes also improve steering control and stability when a car is brought to a stop, and that helps to reduce accidents.

Some states, including Florida, New Jersey and New York, require insurers to give discounts for cars equipped with these brakes, and some insurers have a nationwide discount in place. Check if your area in Connecticut provides this type of discount.

 

Inquire about other available discounts

Many insurers offer discounts for drivers having no accidents in three years, drivers over 50 years of age, driver’s attending training courses, installation of anti-theft devices, good grades for students, and having more than one car insured with the company.

Remember that deductibles represent the amount of money paid before making a claim and by requesting higher deductibles on collision and comprehensive (fire and theft) coverage your costs can be lowered substantially. For example, by increasing the deductible from $200 to $500 you could reduce collision and comprehensive cost by 15% to 30%. This is perhaps the most practical way to obtain cheap car insurance in ct.

 

Social Media and Insurance Marketing Strategies

When devising a marketing plan nowadays you must factor in social media as a way to increase awareness of your brand and build an audience. Agencies are faced with a unique challenge when it comes to Insurance Marketing Strategies. The idea is to find useful ways to make their services and products as appealing, if not more so, than those of their competitors.

One important aspect of the plan should be to develop a local brand identity while delivering on the larger insurance brand’s promise, as well as demonstrating positive customer experience. For one thing, social media is a valuable tool for getting the word out about many of the newest services and plans, as well as discounts that are available, but an agent also has the opportunity to make a name for his or herself as a local expert within their communities.

Things Agents Need To Consider When Developing A Social Media Strategy

You have to set reasonable expectations when it comes to implementing social media. Those who may be new to social media need to realize that it’s important to understand your place in the social landscape which can help you to determine which channels are right for your firm.

For example, what platforms do you feel that your customers (and potential customers) already use and which of these provides the best channel to deliver your message? Many of the newer platforms (like Instagram, Snapchat, and Vine) likely won’t be a good fit for the audience you wish to engage, so perhaps it would be better to focus on more traditional platforms like Facebook and Twitter with which to engage your users. Keep in mind it’s best no to stray too far beyond your realm. Write and post articles related to coverage’s you offer, but also additionally write about things not necessarily about insurance, but angled to that specific core audience.

Remember that, since social media enables two-way communication, use it as a way to answer some general questions about policies, but any questions having to do with personal account or claim information should be directed to a more personal channel, like via phone or email. Regardless what the question is, respond to customers as promptly as possible. When you make it a point to do so, customers will see that you’re committed to providing quality customer service.

Social media as a part of your Insurance Marketing Strategies shouldn’t feel complicated. By using the right strategy and tools, any agent can use social media to establish themselves as a local expert within their community.

Practicing Good Driving Habits and Classic Car Insurance in NJ

Practicing safe driving is essential for all drivers, but owners of classic cars generally have a lot more at stake. The cost of replacement parts is often higher, and some parts may even be difficult, if not impossible to find. Therefore, it only makes sense to avoid perilous situations and exercise good judgment whenever you get behind the wheel. Follow these safety tips and always drive with classic car insurance in NJ.

 

Avoid tailgating other vehicles

Driving too closely, or too quickly, behind another car is a recipe for disaster. What if the driver should suddenly brake? It will likely result in a collision, not to mention that the car to the rear will nearly always be found at fault.

 

Always use turn signals

Failing to signal to other motorists is a recipe for disaster. Other motorists often drive too fast, plus they can’t be expected to know the intentions of other drivers. Whether planning on making a right turn, or about to change lanes, always use signals to alert other drivers so that they know what to expect. Signaling is especially important for the safety of motorcyclists, bicyclists and pedestrians.

 

Avoid impeding the flow of traffic

Driving too slowly can be just as dangerous as driving faster than the posted limit. This can cause a traffic snarl where motorists begin jockeying for position anytime they see another vehicle moving too slowly. Always try to drive with the flow of traffic, and if another car clearly wishes to move at a faster pace, the best thing to do is to allow them to pass.

The problem with driving at an inappropriate speed, either too fast or too slow, is that it creates a higher risk of a fatal crash. For example, while it may be perfectly legal to drive 65 mph on the highway, under adverse conditions, rain for example, most drivers might experience a loss of visibility (as well as a reduction in their car’s ability to stop), and so there’s an increased likelihood of having an accident.

Being safe whenever behind the wheel makes the most sense, and collector car owners have a lot in stake. Accidents can still occur, which is why everyone who owns that “special” vehicle needs the protection that classic car insurance in NJ provides.

 

Omissions Insurance for Insurance Agents and Risk Management

We live in a highly volatile legal environment where steps need to be taken to minimize the likelihood of claims being brought against insurance agents. While many service providers face the threat of lawsuit from clients claiming that they were somehow the victims of some type of wrongdoing, insurance agents remain targeted for the services they provide, requiring them to protect their interests with Omissions Insurance for Insurance Agents.

 

Claims of Omissions or Other Errors Need To Be Taken Seriously

Claims of errors or omissions in the conducting of business affairs are serious allegations. If most agencies would work to promote a better culture and commitment to prevent these types of errors from happening, they would likely see a reduction in these sorts of claims. Doing so could only improve the possibility of increasing sales, making this a win-win situation, creating better loss control, and ultimately enjoying a positive bottom line.

One way to achieve this goal is to initiate loss control seminars, focusing on specific agency concerns, such as risk management and the recognizing of problem areas. The goal should be to conduct a thorough analysis of the agency and provide the company with a comprehensive plan, one that demonstrates what is working well and areas in need of improvement.

 

Ways To Reduce Exposures

Following company policies and procedures aimed at lowering the threat of claims and lawsuits should help with this cause as well. This includes taking notes during all business related conversations with customers and prospects, date stamping all mail indicating the date it was received, and making sure all pertinent faxes and emails show the date they were received as well.

Managers should make sure that employees are familiar with agency procedures, checking all customer policies before sending them out in order to be sure the coverage’s are what were agreed upon. Agents should have customers sign rejection letters for any coverage suggested by their agent that they make the decision to decline.

Also, check all renewals to be sure that coverage has not changed, make sure that all quotes have an expiration date, ensure that customers sign every application for insurance, and see to it that customers confirm any changes to their coverage in writing.

Finally, be sure to explain policy exclusion to customers, keeping them up to date with company procedures, policy forms and special endorsements. These are important steps to take, along with carrying Omissions Insurance for Insurance Agents.

Orlando Manufacturers Insurance and Liability Concerns

Manufacturers run many important operations here in the US subject to a variety of laws and regulations that are intended to govern product liability. Any time someone is injured, regardless of how seriously, this may often result from a product distributed by a particular company, and can therefore create cause for a claim. Orlando manufacturers insurance is necessary to deal with issues regarding liability for injuries to others.

Injuries can occur due to contact with a product purchased from your company in a few different ways. Bodily injury may arise from the product itself, property damage losses may occur, the product packaging can result in an injury, or it could even be due to instructions for use, labels, warnings and other “on product” messages provided.

Blame often falls directly on the Manufacturer

The manufacturer, and not the distributor, is often held responsible for any injury arising from a defective product simply because the distributor usually has no control over the design, assembly or quality of the item being sold. However, wholesaler-distributors may be held liable for product defects under certain circumstances. For example, anyone who provides installation, service or repair work as a part of their service for their customers may increase their product liability exposure in that process.

Also, anyone that modifies, repackages or re-labels certain products may assume a greater liability than those that do not. With so much at stake, having Orlando manufacturers insurance is the best way to mitigate these types of risks and exposures.

Whenever the distributor is directly responsible for the defective condition, for instance, if they’ve damaged the product while repackaging, or by making product modifications, they can be held liable for product liability. By having knowledge of a defective condition prior to the sale of a product, and doing nothing about the issue, they can be held accountable for any resulting injuries. A significant number of federal and state laws and regulations impact product liability, something that both, manufacturers and distributors should know.

The Consumer Products Safety Commission (CPSC) is one of two federal organizations that oversee many of the products going to market. They’re job is to protect the public from unreasonable risks of serious injury or death from more than 15,000 types of consumer products under their jurisdiction. As a manufacturing business owner, it would be prudent to consult with a qualified products liability attorney to ensure that your business is in compliance with applicable requirements.

 

Internet Expansion and E Commerce Insurance

Wholesalers and distributors have become much more dependent on recent technological advances and equipment in order to boost their productivity along with cutting some of the expenses associated with running a business. The increased use of the Internet to help sell merchandise quickly and efficiently has also created additional losses for these business models as well. This is due in part to the potential for a virus to cause computer networks to crash. Another example of a concern would be, if someone were able to generate an electrical current that causes damage to your material handling equipment, without the right insurance in place you’d likely be out of pocket to cover the expense.

Or, if one of your salespeople had a laptop stolen that had sensitive information stored on it, this could present some major problems. Being connected to the Internet also creates vulnerability to virus attacks, often via e-mail attachments. That is why breaches and cyber theft have become issues that create additional problems for many businesses that choose to operate in this way. The solution is to secure e commerce insurance, which can help to cover costs associated with clearing out the virus, as well as any repairs or replacement to the computer equipment and any additional costs to restore lost data and programming.

Most Online Businesses Benefit from having Breakdown Insurance

Most insurers now offer equipment breakdown coverage for computers, material handling equipment, air conditioners, and phone systems when damaged by mechanical breakdown, or in many cases, by artificially generated electrical currents, sometimes deployed by hackers attempting to infiltrate business networks.

Equipment breakdown coverage provides for property damage, business interruption losses, spoilage and more. It is essential for any business that could not sustain the losses if they were off line for more than a few hours. These are the types of issues that you’ll need to protect against as your site becomes more essential to your business, and are also ones that aren’t usually covered elsewhere.

Remember that backups can fail or possibly get corrupted, plug-ins or themes can break, custom code needs to be constantly maintained, and there’s also the possibility that sites can be hacked. As your potential losses grow, protecting your site against a host of concerns, such as data loss, bugs or conflicts that can take your site down, along with security issues, becomes more important and worth the cost of e commerce insurance.

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A Look at a Construction Manager at Risk Arrangement

Construction management firms generally hire the architect, engineer and other sub-consultants to oversee the work on their projects and design and deliver the jobs in a timely and professional manner. The firm can be held accountable if any of the individuals that they hire doesn’t perform up to standards. While general contractors aren’t engaged in the designing of the project, they are still likely to be held liable for the actions of those under their authority.

Construction manager at risk relates to the degree of responsibility for reviewing or overseeing construction services. A construction manager (CM) is guaranteeing services will be performed at a guaranteed maximum price (GMP) and takes responsibility for any cost overruns. Therefore, the scope of the work performed can be tailored to meet the needs of different owners depending on the type of project and delivery method.

 

More design professionals offering CM services

While more architects and design professionals are throwing their hat into the ring, determining professional and contractor liabilities associated with these constantly changing services are somewhat of a concern. Those familiar with construction management at risk issues are constantly looking at ways of managing those risks in order to avoid losses resulting from poor judgment or unrealistic goals.

The construction team consists of three primary players. There is the owner, the design professional, and the construction manager. The CM constructor’s duties include being responsible for tasks of management as well as construction, holding all subcontracts for construction, and taking responsibility for the entire construction project, from permits and bids, to the job itself. In addition, the CM makes a promise to the owner of a guaranteed maximum price, while assuming the same risks as a general contractor, which includes operating a safe job site.

One concern that your client, operating as a CM should have, is understanding that he or she has a substantially greater risk of being cited for job site safety violations by OSHA. AS a CM they generally assume responsibility for developing or reviewing job site safety programs or procedures of contractors, monitoring all safety plans, ensuring that the proper training has taken place, along with any other safety requirements.