Professional Liability And Legal Liability Insurance

Professional Liability And Legal Liability Insurance
The profession that I have chosen to concentrate on is that of a personal trainer, specifically issues
concerning liability insurance. Personal trainers provide direction and supervision to clients within
the realm sports and exercise realm. The chosen place of employment is often work out facilities. It
may also include working with clients at other locations, such as the client or trainer's homes.
Personal trainers work both as employees and as independent contractors. I think that I would
probably have an employer in the beginning, such as working for a work out club chain. After I
acquired some experience and built up a clientele, I would probably consider working as an
independent contractor. Either way there are risks that must be covered by insurance. Whether a
client is injured due to negligence, or inherent risks (no fault), a trainer must protect themselves in
case of a lawsuit. Additionally, frivolous lawsuits have become common place, and if an individual
does not have insurance they could be left vulnerable. Both professional liability and general
liability insurance are necessary to help to cover your costs in the event of an injury claim, whether
you are truly responsible or not. This is an essential part of a comprehensive risk management
strategy.
Some of the specific duties a personal trainer is responsible for are:
Overseeing exercise programs and weight training.
Instruction on proper lifting techniques, proper usage/handling of
... Get more on HelpWriting.net ...

Liability Insurance As A Personal Trainer
Why You Need Liability Insurance as a Personal Trainer
When you decided to become a personal trainer, you did it because you wanted to help people
achieve their fitness goals and live a healthier life. You did it for the love of it. You care about
people and want to help them succeed.
This can be a very rewarding and lucrative career, but it can also be a risky one. When advising
people on physical activity, you need to be careful. The last thing you probably thought of when
going into this career, was that you should look into liability insurance.
What is Liability Insurance?
Liability insurance protects the policyholder in the event that lawsuits or similar claims are brought
against them.
In order to quality for personal trainer insurance ... Show more content on Helpwriting.net ...
Someone will get hurt easily if there are problems with a machine. If you let someone on a machine
that has a problem, even if you weren't aware of it, it will be very difficult to fight fault on that one.
It is your job to make sure the machines are safe.
– They weren't properly supervised.
A lot of clients are probably new to the gym and go in not knowing where to start. You have to
supervise them to make sure that they are using the proper form so they don't get injured.
– You didn't know their medical history.
Before you begin training someone, you need to know their medical history as well as their injury
history. You need to make sure that they aren't doing something that will put them at risk. They need
to complete a fitness test as well so you know where they stand going into training.
– You gave nutrition or supplement advice.
Unless you are a certified dietician, do not give recommendations on nutrition or supplements. This
can get you into trouble because you don't know how someone may react to these products.
– You didn't explain risk and consent forms

Essay on Understanding Relevance Legal Standard
In the grand scheme of trial, evidence is needed to convince jurors to give a verdict of guilt or not
guilt. Evidence can take several forms such as physical evidence, substantial evidence. Regardless
of what type evidence is presented must be relevant to the case to be admissible. "Relevance refers
to any material fact or evidence having a tendency to make the existence of a matter at issue more
probable than it would be without said fact (probative value)"(Britz, 2008, p. 344).
In this paper, an examination of the legal standard of relevance evidence will be discussed.
Furthermore, the rules of inclusion and exclusion of evidence based on the wording of the rules will
be scrutinized. In the final section, examples of ... Show more content on Helpwriting.net ...
According to Rule 401(Test for Relevance Evidence) of the Federal Rules of Evidence, the test
relevance depends on depends on two factors. The first question ask do the Evidence have any
tendency to make a fact more or less probable in the absent of the evidence and, do the fact of
consequence in determining the action relate to the case(Federal Rules of Evidence). The court
could possibly exclude relevant evidence if its probative value is substantially outweighed by a
danger of one or more of the following: unfair prejudice, confusing the issues, misleading the jury,
undue delay, wasting time, or needlessly presenting cumulative evidence. When relevant evidence is
questioned for some type unwarranted chauvinism it is covered under the F.R.E. Rule 403(Federal
Rules of Evidence).
The Rule 403 of the F.R.E., states that relevant evidence may be excluded if its probative value is
outweighed by unfair prejudice. This is to say, when something has been present to the jury that
would produce unfair prejudice and could develop an adverse opinion prior to having sufficient
knowledge of relevant facts. (Britz, 2008, pp. 273 – 274). In the case of Spencer v. Texas, the
Petitioners, was convicted of a felonies in Texas.
The Rule 403 apply in this case because under past Texas' recidivist or habitual criminal statutes
jury was made aware of

DUI Case Study
Is there a way I can get my driver's license reinstated after getting convicted for Driving Under the
Influence (DUI)?
DUI #1 – From the effective date of the conviction, your revocation will last anywhere from 180
days up to one year. If there were serious injuries accompanying your first DUI offense, the
revocation will be a minimum of 3–years. Prior to the revocation period being expired, you can
make an application for a hardship driver's license in your local county. If the judge orders it, you
will have to complete DUI School and treatment. At any Administrative Reviews Office (do a search
on the site for Need Driver License for Work or Under Suspension), you can make an application for
a hardship driver's license in your county. ... Show more content on Helpwriting.net ...
The FR–44 will serve as proof of liability insurance and it must be constantly kept up for at least 3
years from when your DUI Revocation was reinstated. Any, future violations could cost anywhere
from $150 to as high as $500 in reinstatement charges.
DUI #2 – If your second DUI violation is more than 5 years from the first conviction, your driver's
license will be revoked for 180 days minimum up to one year. Reinstating for early hardship is not
allowed. Prior to even requesting for a full reinstatement of your driver's license, you have to serve
the total revocation time.
If the second conviction is less than5 years from the previous offense, a revocation of a minimum of
5 years will apply. Once you have served at least 1 year from the revocation's effective date, you
will be able to submit an application at the Administrative Reviews Headquarters for a hardship
driver's license. If the judge ordered treatment and DUI School, they have to be totally completed
and you also need to get a positive review from the Special Supervision Services Program to qualify
for a hardship driver's license. If you get the go–ahead for an early hardship reinstatement, this proof
will need to be submitted at the driver's license location. Throughout the revocation period, you
have to stay in the Special Supervision Services Program in order to keep your hardship driver's
license.
Once the revocation period is done, in order to get your

Benefits Of Owning Your Own Business
Making Sure That Your Business is Properly Insured
Owning your own business can be a very rewarding experience, providing a way to engage your
passion, while also offering a way to make a comfortable living. However, owning a business leaves
you in a position in which you will have a lot that you will be responsible for protecting. Purchasing
business insurance in Texas is one of the most viable ways to protect your business from a number
of risks; however, there are numerous types of business insurance policies that can be purchased,
and it is immensely important for business owners to have a lucid understanding of what each policy
has to offer.
Although there are a wide variety of types of business insurance in Texas, the problem is that it can
be difficult to understand which types of coverages are best suited for a specific type of business.
Following, is a synopsis of different common coverages and how they protect a business. Depending
on the type of business you own and specific needs of that business, the type business insurance in
Texas that you purchase will vary.
Property Coverage
One of the most obvious reasons that a business owner would seek small business insurance in
Texas would be to protect any tangible assets that they have amassed for and through the business,
including tools, merchandise and inventory. For example, a fire could literally destroy a brick and
mortar business's ability to function in any capacity, destroying merchandise and rendering

Types Of Insurance For The Food Industry
It might not be the most exciting part of opening a restaurant, but one of the most vital steps of
opening a new eatery is getting insurance coverage. There are many potential problems that you
need to be prepared for in the food industry, ranging from equipment failures to slip–and–fall
lawsuits. Depending on your restaurant 's location, you will need certain types of insurance to
comply with local laws. Also, you will need insurance to qualify for bank loans and mortgages.
Read on to learn about the various types of insurance you may need when operating a restaurant.
Common types of restaurant insurance
These types of insurance should be seriously considered when opening any type of restaurant.
–Property Insurance
This is important for protecting your restaurant from property damage resulting from a variety of
disasters such as building fires, or other accidental damage, but for coverage in the event of natural
disasters such as earthquakes or floods, you may need to get specific types of insurance that cover
those circumstances. Also, if you are setting up a mortgage for your restaurant property, you should
have property insurance.
–General Liability Insurance
This probably goes without saying, but liability insurance is needed in case any person comes to
harm within your restaurant. This could happen for many reasons, including falls, food–borne
illnesses and so on. Whether you or your staff are to blame or not, if a person gets sick after eating at
your restaurant

General Liability Insurance Essay
Drones and Your General Liability Insurance
Drones. Once thought to be years away, are increasing in number. From cutting–edge real estate
tours to crop surveillance, many businesses are investing in drones to assist with day–to–day
operations. Drones offer business owners a real competitive advantage within their industry.
The Benefits of Having a Drone
More and more operating a business is becoming increasingly challenging. Fewer barriers to entry
make earning more money harder each day. With increased competition, many businesses are forced
to reduce costs in every aspect of their business. Many businesses find that drones are a great way
for them to be competitive, without adding an annual salary to their books. Drones are also capable
... Show more content on Helpwriting.net ...
While in use, drones can cause accidents and injuries, exposing your business to potential liabilities.
For instance, a drone taking surveillance pictures could fall from the sky and strike someone in the
head down below. Without the proper general liability insurance, how would your business cover the
costs of the damages?
General Liability Insurance and Drones
There are many forms of business insurance. Whether you need insurance for a car or for your
business property, you won't have trouble finding an insurance solution that is perfect for you.
Although drones are new technology, and many insurance companies may not have a tailor–made
insurance product specifically for drones, general liability insurance may help you with liability
issues involving drones.
Loosely speaking, general liability insurance helps businesses cover the costs when management or
employees are found liable for an act that caused another to be harmed. A business drone that injures
someone while being used for commercial purposes may help you cover court and settlement costs.
If you are considering using a drone in your business, contact your licensed insurance representative
to inquire about insurance coverage. Just like cars, accidents stemming from the use of this
technology can create a legal nightmare that costs you handsomely. Fortunately, you can minimize
your exposure by partnering with an insurance agent who provides general liability insurance.
Drones are all the rage, but you must ensure that your business isn't exposed to liability risks from
using your

Make Meeting Arrangements Essay
Task 1: Make meeting arrangements 1– Name three types of meeting and their purposes and three
ways that meeting can be conducted. Meeting Purpose Conducted Formal meeting (e.g. Annual
Elect the Board of directors The meeting is conducted by General Meeting) and inform members of
a chairperson, it includes an previous and future agenda which provide the activities. order of the
meeting items, action items or agreements must be nominated by one participant and supported or
approved by another. All of this must be recorded in Minutes. It might require a quorum (a
minimum number of participants in attendance and eligible to vote). Public meeting Inform, for
example, the Could have an limitless community about number ... Show more content on
Helpwriting.net ...
Consider access and equity issues for gender, disability access, the young, old or infirm – promoting
safe meeting access and environment is just part of participation. 4– List 3 requirements of public
meetings. – Public board meetings need to be properly noticed (advertisements must be placed in
newspapers, perhaps on television or radio, notices placed where those interested are most likely to
see them) – They must be open to the public – Minutes must be taken 5– List the requirements that
you would need to know prior to organising a meeting. – Purpose of the meeting Number of
attendees and/or participants Date and venue to undertake the meeting Be aware of all legal and
ethical requirements that must be taken into account 6– List the resources/materials that may be
required for a meeting – Premises, chairperson and attendees – Notice of meeting – Meeting Agenda
– Meeting papers or documents in accordance with meeting requirements – Catering (sometimes) 7–
What methods can you use to advise participants of a meeting? Email, letter (written invitation),
telephone call, advertisement (TV or radio advertisement), noticeboard (e.g.

Onsite Daycare Essay
What is an Onsite Daycare and Why Should We Have One?
An onsite Daycare is a place directly located at the employers of parents with toddlers or babies who
need full time child care while their parents are at work. It allows the parents the advantage of being
close to their children while still being able to maintain stability with their careers.
According to Statistics Canada, the amount of two parented full time working families has gone up
17% since the 1980's. As a result of such an outcome, more employees in larger and smaller based
companies are finding it harder to keep up with both risen work loads and home life necessities,
which in turn have caused more absentees in the work place. The reason being for this is due to ...
Show more content on Helpwriting.net ...
On–Site daycares would also be more time efficient for employees as they and their children will be
going to one destination, opposed to travelling a further distance to drop of their kids before arriving
at work. Dually this also compliments time effectiveness because employees can work later hours
without the inconvenience of having to leave early to retrieve their child from a further daycare
facility. In cases such as illness for the child, it also saves time for the company and the worker for
the employee to be able to take their child from work to a hospital or other destination without the
extra travelling.
Negative Aspects and Insurance Liabilities and What Can Be Done to Prevent It
Although there will be an inevitable exposure to liabilities, there are ways to decrease the amount.
Some liabilities observably entail issues such as injuries to a child while attending the daycare.
These liabilities can be minimized through the legal structure of the daycare and also how organized
the operation is arranged, purchasing liability insurance when licensing the daycare, and making the
daycare clear of any objects which may result in injury. Fortunately, there are also three other types
of liability options to explore: 1. Self Insurance eliminates the risk of being

Essay on Pharmacy
Pharmacist Needing Professional Liability
Rosalind Aidoo
Devry University
Health Rights and Responsibilities
Professor Richard Barrett
March 31, 2013
Protecting your assets, licenses, and name that Allied Non Physician Healthcare workers have
achieved for themselves means having Professional Liability Insurance. Many people do not realize
that not only doctors need professional liability insurance but any profession that encounters
consumers may need it. Professional Liability Insurance protects professionals against negligence
claims made against them. Professional Liability Insurance is as known as "Errors and Omissions
Coverage" that physicians, insurance agents, accountants, attorneys, etc. all need. Pharmacists are
one ... Show more content on Helpwriting.net ...
Pharmacists now experience more lawsuits than ever before due to healthcare facility errors that
were looked over, giving a prescription to the wrong customer, writing the wrong directions on a
prescription, putting the wrong drug in the correct bottle for a patient, etc. (Rx Recruiters, (N.D.). I
have worked in a pharmacy over many years and have seen many mistakes happen with a good and
bad ending. The two most common mistakes that are not the fault of the pharmacist are giving the
wrong prescription to the wrong customer at check out and not following HIPPA standards. There
are many cases where customers can have common names and are given the wrong prescription due
to lack of verification. I have personally heard of a customer calling back because they realized they
have the wrong medication. An instance of such could go in a very bad direction if a customer takes
the medication and causes health problems or death, which would result in a malpractice lawsuit.
Although it was not the pharmacist error because it was an employee working under the pharmacist,
the pharmacist could lose their license and much money due to this mistake. As long as the
pharmacist has professional liability insurance this mistake would be covered and licenses would
not be threatened to be taken. Another main area for possible lawsuits would be disregarding or not
following HIPPA regulations properly. In

Insurance Liability And Liability Insurance
There are many lines of different property and casualty insurances. Even though the general purpose
and utilization of these insurances is the same across the nation, prices fluctuate from state to state.
We will get into more detail in regards to Errors and Omission Insurance (E&O) in the State of
California.
Errors and Omission Insurance, also called Professional Liability Insurance or Malpractice
Insurance, is used to cover legal expenses caused by potential errors and omissions during
operations and stipulation of cases.
When a company or firm is sued for making a mistake, performing services in a negligent way or
misrepresenting or financially harming a client, the consequences can harm a company in an
irreversible way.
This is ... Show more content on Helpwriting.net ...
Since E&O insurance is important to carry when running a business most professions have this type
of insurance to cover a potential lawsuit that would otherwise cause them to file for bankruptcy. It
may come as a surprise that some states do not require businesses to have E&O insurance, but a
large portion of contracts with clients required insurance for the contract to be in effect. Having an
E&O insurance policy may sometimes be a selling point for potential clients. When a client sees that
a business has this type of insurance it gives them peace of mind knowing that if there happens to be
any error or omission throughout the process they will be compensated. The same applies to the
actual company. It makes it easier to accept new clients and cases knowing that in case of any
alleged misunderstanding or disputes, the policy would bring in protection and coverage.
According to techinsurance.com about 70% of businesses raise prices or cut hiring when sued and
yet, $35 billion = annual out–of–pocket cost of lawsuits for small businesses. These numbers are a
clear indication of how important E&O is for a business to operate.
Before getting into pricing, perhaps we should take a look at the overall market around the E&O,
including how companies are hedging themselves against the possibility of a lawsuit.
According to Curtis Pearsall,

The Case Of Construction Case Against A Construction...
Statute of Limitations Tolled on Subrogation Claim Until Underlying Actions Terminated
The California Court of Appeal for the fourth District recently held in Underwriters of Interest
Subscriving Policy Number A15274001 v. ProBuilders Specialty Insurance Company that the statute
of limitation on the insurer's equitable subrogation claim was tolled until the underlying action came
to final judgment. The case involved construction defect case against a construction company,
Pacific Trades. Appellant Underwriters undertook Pacific Trades' defense in the action under the
terms of its general liability insurance policy. Appellee ProBuilders, also an insurer of Pacific
Trades, denied defense on the basis that under the terms of its policy, it had no duty to defend when
another insurer provided defense. The underlying case was concluded when the parties reached a
settlement, in which ProBuilders agreed to pay $270,000 of $1 million. Following the conclusion of
the case, Underwriters sought equitable contribution from ProBuilders for defense costs, which was
denied. ProBuilders argued in its motion for summary judgment that it was excused from
contributing to defense costs on the basis that the action was time–barred by the statute of
limitations. Underwriters argued its action was timely because it was filed less than two years after it
made its final payment towards attorney fees. The trial court agreed with ProBuilders that the clause
in its policy relieving it of defense

Legal Duty Of The Store
Due to the store not being able to maintain the premises safe without proper use of safety
precautions to warn people. This would go under premises and operations coverage, where there is
liability due to conditions in or arising from the premises. If the store is not able to maintain safety
while it is operating then it is still liable for the injuries and can be sued by Raj. In order for an act to
be considered negligent it must have four elements to it. This includes: (1) legal duty of care – there
is a legal duty to protect others from harm if there is an absence of it, then there is a legal wrong. (2)
A failure to perform that duty by an act or a failure to act (3) claimant suffers damages to his or her
property and/or bodily injury or death. These can be for special damages (losses that can be
determined and documented) and general damages (for losses that cannot be determined and
documented e.g. pain) (4) proximate cause where relationships must exists where there is no broken
chain of events between negligent act and infliction of damages. In this case a reasonable person
would have warned others of there being a wet floor and in this case there was no sign. This is a
negligent act causing Raj to fall and injure them self as a result. Had the staff member put the sign
down to warn customers about there being a wet floor, Raj would have had not been hit by the child
as he was walking to make a complaint. 2. Due to Mindy being in one spot and not moving the
driver

Trial Court Case Study
The trial court erred and abused its discretion in granting the State's motion to admit evidence of
prior uncharged incidents of domestic violence, because the evidence denied Mr. Davis of his rights
to due process of law as guaranteed by the Fifth and Fourteenth Amendments of the United States
Constitution, and Article I, Section 10 of the Missouri Constitution, in that the evidence was more
prejudicial than probative because it was too remote in time to be relevant to the charged crimes and
had a prejudicial effect.
A. Standard of Review
A trial court has broad discretion over questions of relevancy and the admissibility of evidence.
State v. Dunn, 817 S.W.2d 241, 245 (Mo. Banc. 1991). An appellate court cannot reverse unless
abuse is ... Show more content on Helpwriting.net ...
Id.
But such evidence is only relevant if its probative value outweighs its prejudicial effect. Id.
Generally, the "remoteness in time of the other bad acts is ordinarily a factor affecting the weight of
the evidence." State v. Shaw, 847 S.W.2d 768, 778 (Mo. Banc 1993). But when "remoteness is so
great that it erodes the probative value of the evidence, the prejudicial effect outweighs its probative
value and the evidence is not admissible." Id.
For example, in State v. Chiles, the State attempted to put on evidence of a prior crime that occurred
nearly seven years before the crime that the defendant was on trial for. 847 S.W.2d 807, 809 (Mo.
App. W.D. 1992). The Missouri Court of Appeals found that the past crime was too remote to be
relevant to the crime that the defendant was on trial for. Id. Similarly, in Lewis v. State, the Missouri
Court of Appeals found that a ten–year old crime was too remote to be relevant. 806 S.W.2d 89, 93
(Mo. App. W.D. 1991). And in State v. Culter, the Missouri Supreme Court found that a prior crime
that occurred seven to eight years prior to the offense charge was too remote to be relevant. 499
S.W.2d 387, 388 (Mo. Banc 1973).
Here, the trial court allowed multiple witnesses to testify to multiple incidents of past conduct that
were decades old. Amber Casada testified that Mr. Davis abused her mother was she was growing
up, which makes those incidents between twenty to thirty–seven years old (Tr. 497, 509). Cierra

Contract Case Analysis
8. FEES. Client agrees to pay the amount due to Contractor on or before the 20th (twentieth) day of
each month, beginning in the month following that in which Contractor begins providing Waste
Services on the Property unless otherwise indicated under Additional Instructions/Terms on Page 1
of the Service Agreement. Such fees shall be paid directly from Client to Contractor and shall not be
paid by or routed through any trash broker. Client will be charged the rate stated in the Schedule of
Charges times the total number of residential units on the Property unless otherwise indicated under
Additional Instructions/Terms on Page 1 of the Service Agreement. The Schedule of Charges shall
not be adjusted for changes during the initial twelve ... Show more content on Helpwriting.net ...
Client expressly acknowledges that in the event of such a termination of this Agreement (including
but not limited to a termination prior to the date that Contractor begins providing Waste Service), the
anticipated loss to Contractor is estimated to be the amount set forth in this Section 10 and such
estimated fee is reasonable and is not imposed as a penalty. 11. ATTORNEY'S FEES. In the event of
a breach of this Agreement, the breaching party shall pay all reasonable attorney's fees, collection
fees, and costs of the other party incident to any action brought to enforce this Agreement. 12.
WASTE MATERIALS. Client agrees to use commercially reasonable efforts to notify its tenants,
agents, contractors and employees that no one will deposit or place for collection in Contractor's
equipment or in/around Waste Service collection containers any oversized items (e.g., beds or
couches), or radioactive, volatile, corrosive, highly flammable, explosive, biomedical, infectious,
bio–hazardous, toxic, or hazardous material as defined by applicable federal, state, provincial, or
local laws or regulations ("Excluded Waste"). 13. COOPERATION OF CLIENT. Client agrees to
make the monthly payments associated with this service. If Client's compactor(s) or dumpster(s) is
full,

Liability Policy Of Prime Insurance
One of the most recent policies offered by Prime Insurance is a liability policy that provides
coverage for a number of marijuana growers and dispensaries. Prime Insurance is one of the only
insurance companies that has been willing to accept and write a policy for this type of risk. Because
of the innovative ideas and creative thinking at Prime Insurance they can avoid fighting for
customers in the standard market and create new markets where there is no competition. Many
companies end up purchasing insurance through Prime because no other carrier will insure their
risk. The owner often tells prospective insureds to search the market for a company that will insure
their business, when they can't find someone to insure their risk then come

Business Liability Insurance
Liability insurance is a way to protect your business against the effects of potential damage that your
business can cause to other people or their property. Let us say that somebody got injured or his
property was damaged due to another person's business, that person can legally sue the owner of the
business. The owner would be held responsible for the harm that his business has caused. The
definition for the word liability is as follows: "Being legally responsible for something". When the
legal responsibility is established, the owner of the business will have to pay compensation for the
harm that his business has done to a person or to their property. If the harm was an injury, the
National Health Service can ask for compensation for the costs of ... Show more content on
Helpwriting.net ...
This is because the possibility of younger drivers having accidents is much greater than a more
experienced driver. Also the more power a car has is greater the chances of an accident so the cost of
the premium will be higher. The price of the premium also depends on the business sector that the
insurer is concentrated on as some firms specialize in particular sectors and can evaluate the risks
more accurately. This way they will give better offers, (usually a smaller premium), than to the more
mainstream insurers. If the business has small or medium risk involved, the insurers will usually
have the standard rate applied to determine the cost of the premium. The insurer will use this rate to
apply a factor that is determined by level of activity taking place in that business. This involves
looking at the turnover in public and product liability insurance or the company's employees liability
insurance. However, there may be some other factors in the process of the determination of the
premium such as historical claims records and experience and risk management procedures. If the
business involves high risk, the price of the premium will probably be discussed in a very
scrupulous way putting every detail into

The Importance Of Liability Car Insurance
It is important that you carry liability car insurance on whatever car you happen to be driving. Even
if it is not your car, you may be held responsible for driving without insurance if you are discovered
to be driving any car that does not have a valid liability insurance policy. Liability–only coverage is
often referred to as third–party car insurance. The minimum state required third–party coverage is
the cheapest car insurance coverage you can get. However, if you can afford it, we strongly
recommend getting more coverage than states require. How Much Coverage Do You Need? Each
state will have different levels of insurance that you must carry to be considered insured. Some
states may require you to have as little as $10,000 of coverage

Professional Liability Insurance : An Answer Or A Self...
Professional Liability Insurance; an Answer or a Self–perpetuating Problem to Malpractice Lawsuits
All medical practitioners know the primary ethical principle that binds them is to maintain the
sanctity of life. Their role is to prevent the occurrence of sickness and to eliminate the propagation
of any disease at all costs. In order to achieve the general health of the patient the medical
practitioners have to ensure all medical procedures are done to the utmost professional standards.
The general assumption is that any professional administering care is educated and experienced
enough to perform the tasks given. Occasionally, misdiagnosis and wrong treatment may result in
injury or even death. Medical professionals have to take ... Show more content on Helpwriting.net ...
It affects mostly emergency service providers and specialists in certain fields like gynecologists and
neurologists. It is important to understand how malpractice affects the delivery of health services.
This paper will identify how malpractice premiums are changing the way of delivering health
services.
Increased Cost of Medical Care
In the United States malpractice suits have increased as well as payouts to those claimants who win
their malpractice suits. There were instances were claimants received awards for merely claiming
incidences of malpractice. It opened a flood gate of malpractice lawsuits, and a disproportional
increase in the awards given to the claimants. Doctors and other medical practitioners opted to take
professional liability insurance. The insurance does not cover the doctor directly; it covers the
institution against lawsuits. In most cases, the legal process is between the insurance company
lawyers and the claimant lawyer. The claimant and insurance lawyers estimate the payout the judge
will award a claimant (Studdert, 2006, p. 2030). The insurance lawyer tries to pay the lower limit
while the claimant seeks to get the higher limit. In the event the opposing lawyers are unable to
reach a compromise, the judgment is left to the judge and jury.
The cost of health care global is on the rise, and although services and technology is available to
many, very few can access good health care. One of the causes of the increase in the cost of health

Evaluation Of The Mediation Process
You have asked be to review your file in the above–mentioned matter. Moreover, you have asked me
to review the mediation binder in a substantially similar case involving the same insured that is
named as a defendant in the litigation at issue here. Upon reviewing these materials, you have
instructed me to have a conversation with you about preparing additional reservation of rights
letters, and how to proceed going forward.
In this matter, we represent Liberty Mutual Insurance ("LMI") in their coverage dispute with
Baltimore Masonry, Inc. ("BMI"). LMI issued a commercial general liability ("CGL") insurance
policy to BMI. Further, the policy at issue here names BMI as the named insured, and the Armada
Hoffler Construction Company and the project owners as additional insureds.
The litigation upon which the insureds' claim under the CGL policy arises out of a lawsuit claiming
damages associated with the defective construction of the VUE Condominium. The VUE
Condominium is a 30–story mixed use high rise building that includes a residential condominium
located in the Harbor East Neighborhood of Baltimore City. Plaintiffs allege they have recently
discovered that the project contains a variety of latent design, construction, product manufacturing,
and repair defects, some of which present substantial and imminent risks of serious personal injury
or death.
The coverage dispute at issue in this matter arises out of a lawsuit filed on September 25, 2015 in
the Circuit Court for

acct 201 test 1
On October 1, Keisha King organized Real Answers, a new consulting firm; on October 3, the
owner contributed $84,000 cash. On October 31, the company's records show the following items
and amounts.
Cash
$
11,360 Cash dividends
$
2,000 Accounts receivable 14,000 Consulting fees earned 14,000 Office supplies 3,250 Rent
expense 3,550 Land 46,000 Salaries expense 7,000 Office equipment 18,000 Telephone expense 760
Accounts payable 8,500 Miscellaneous expenses 580 Common stock 84,000
Also assume the following: a.
The owner's initial investment consists of $38,000 cash and $46,000 in land in exchange for its
common stock.
b.
The company's $18,000 ... Show more content on Helpwriting.net ...
On August 31, the company's records show the following accounts and amounts for the month of
August. Use this information to prepare an August income statement for the business.
Cash
$
25,360
Dividends
$
6,000
Accounts receivable 22,360
Consulting fees earned 27,000 Office supplies 5,250
Rent expense 9,550 Land 44,000
Salaries expense 5,600 Office equipment 20,000
Telephone expense 860 Accounts payable 10,500
Miscellaneous expense 520 Common stock 102,000
HELP TODAY
Income Statement

For Month Ended August 31
Revenues:
Consulting fees earned
$27,000
0
Total Revenues
$27,000
Expenses:
Rent expense
$9,550
Salaries expense
5,600
Telephone expense
860
Miscellaneous expenses
520
0
0
Total expenses
16,530
Net income
$10,470
HELP TODAY
Statement of Retained Earnings
For Month Ended August 31
Retained earnings, July 31
$0
Add: Net income
10,470
10,470
Less: Dividends
(6,000)
Retained earnings, August 31
$4,470
HELP TODAY

Balance Sheet
As of August 31
Assets:
Liabilities:
Cash
$25,360
Accounts payable
$10,500
Accounts receivable
22,360
0
Office supplies
5,250
Equity:
Land
44,000
Common stock
102,000
Office equipment
20,000
Retained earnings
4,470
Total assets
$116,970
Total liabilities and equity
$116,970
Identify the financial statement(s) where each of the following items appears. Use I for income
statement, E for statement of retained earnings, and B for balance sheet.

Equality in the Media Sector
Gender – There cannot be any type of gender discrimination, of either sexes. everyone must be
given an equal opportunity, this also goes towards race and religion. Sexual orientations may be
explored, as it has a place in the modern world and need to be represented, especially towards the
youth generation. As with race, any producers or designers should try and avoid stereotypical roles
that may offend some viewers, such as a stereotypical housewife– unless this is necessary for a
production, image within a website, ETC. Any legal restrictions that are not followed in the
workplace, such as inappropriateness between colleagues, should be dealt with firmly, to avoid
further complications such as resignations from a job or an important role. An example of this could
be a colleague who is unethically/illegally harassing another colleague, without their consent, and
this may make the other colleague feel uncomfortable. This may make the college feel that he/she
does not want to pursue the job any longer. This creates further complications, such as more time
spending looking for someone to replace that role. Religion – People have different beliefs and
views, so respecting them is very important. Most models/actors/accesses/designers will try to be
open minded whilst being interviewed for a role, but many religious restrictions may be
unavoidable, E.G. a Muslim actress may have very strong beliefs about revealing herself too much
in front of men. Producers should be as

Job Title Name Expected Staff Turnover Skills Essay
Current staff [List your current staff in the table below.] Job Title Name Expected Staff Turnover
Skills or Strenghts Managing Director Mr Robert Steve 5–7 years Relevant qualifications in
managing organization with 8 years of experience in the NGO. Awarded for good motivator.
Logistics Manager Mr Jay Shawn 24–36 months Good with numbers, 5 years of experience in
accounting. Award in excellence accuracy. Administrative Officer Mr Logan Paul 24–36 months
Expert in organizing with 4 years of experience in relevant field. Human Resources Officer Mr John
Blake 36–48 months Good in organizing and allocating people. 5 years of work experience in
government risk department. Finance Manager Ms Lucy Stake 24–36 months Quick worker with
accuracy in calculating money. 3 years of work experience in Commonwealth Bank. Award in quick
accomplishment of work with accuracy. Sales Manager Mr Paul 18–24 months Attain a good skill in
communicating with people, 2 years of work experience in relevant field. Accounts Clerk Ms Sooky
luna 12–18 months Enthusiastic and hard worker, 2 years of work experience in accounting. Award
in the most enthusiastic worker of a year. 20 good drivers with driver licences and at least 2 years of
experience in driving a truck car. Required staff Job Title Quantity Expected staff turnover Skills
necessary Date required Sales Managers 4 2–3 years At least 3 years of work experience in relevant
field and responsibility. Account Clerk

I Am A Girl, The World Of Esthetics Intrigued Me
About Me
Every since I was a little girl, the world of esthetics intrigued me. I have always loved the way
people can manipulate their features and transform them, whether that is hair, skin, nails or
cosmetics. As I grew up to began to become more and more attracted to cosmetics. My passion for it
did not begin until high school, where I realized my full potential. Throughout my four years of high
school I was on the dance team, where our makeup had to look uniform. As a freshman, my 15–
year–old friends did not know a thing about makeup and I knew the basics. They would have me do
their makeup and would always tell me that I should be a makeup artist. As the years went by my
abilities in makeup artistry grew better and so did my love for ... Show more content on
Helpwriting.net ...
My makeup line will be sure not to anything harmful to a consumer's skin, which is why the proper
research is necessary.
Starting a Makeup Line
Research and Design
One of the most important steps in starting a makeup line is finding a research lab to work with,
which is where most of my time will be spent. (Marlena, 2012) In a research lab I will decide what
ingredients that I want in my line. It is very important to find a lab that is credible and trustworthy.
There are many expensive brands in the industry that are in the higher range of prices. I want my
line to be affordable therefore I need a affordable lab that will help me create quality products.
Another important step is finding a factory for packaging and filling. This is where I will be able to
decide how I want my line to look. "Smart packaging helps its targeted consumers feel an emotional
attachment to a brand." (Jarski,2014) choosing the smartest color scheme, shape, and design of my
product can determine how well my product can sell. About one–third of a consumer's decision to
purchase something is its display or packaging. Especially in the beauty market today, I have to
make sure my products appeal to consumers. Cosmetics is all about empowerment therefore I need a
product that is going to appeal to that side of a woman.
According to the graph, many women have an emotional attachment to makeup which makes them
feel in control (Gaillie, 2013) It is important for me to

Liability Insurance Observation Papers
On 5/4/2017 at approximately 1843 hours I observed a silver 2006 Pontiac G6 traveling Eastbound
on Highway 90 near Ladnier Road, with out a driver side tail light. I initiated a traffic stop with that
vehicle on HIghway 90 near Ladnier Road. I approached the driver side window of the vehicle and
made contact with Wiley Johnson. I asked Johnson for his drivers licenses and proof of insurance.
Johnson stated he did not have a valid drivers licenses or liability insurance.
I asked Johnson if he had a Mississippi Identification card. Johnson advised me that he had a
Mississippi Identification card and he handed it to me. I walked back to my patrol car #64 and gave
Johnson's information to Gautier Police Department Dispatcher, Alyssa Mcvicker.

Liability Insurance: Collision And Comprehensive Insurance
Liability Insurance
Nearly every state requires a financial responsibility from drivers.
Liability insurance has two type of coverage:
Bodily injury coverage: This covers someone who has suffered during an auto accident.
Property damage coverage: This covers damages to another's person property during an auto
accident.
Remember that liability insurance doesn't cover you or your car.
There are many different kinds of additional coverage you can add on to your car insurance policy.
Collision & Comprehensive Insurance
Liability insurance covers damage to other people's property, collision and comprehensive is
considered physical damage coverage and protects your property.
Collision insurance: This covers damage to your own vehicle in the

Auto Insurance Liability
If a person gets injured as a passenger in a vehicle, he or she
may be entitled to compensation for the damages received.
The ability to recover and the amount of the recovery is based
on many factors.
Liability
If the plaintiff sues the driver or seeks to recover under an
auto insurance claim, he or she must be able to show that the
driver is liable. One or both drivers can be liable for the accident.
If only one vehicle was involved in the accident, the claim will
be on the driver's insurance policy. This type of claim is
straightforward because the driver of the automobile has usually
done something incorrect or failed to do something that
resulted in the accident. In cases involving more than one
driver, the insurance ... Show more content on Helpwriting.net ...
Whether the passenger files a
claim or multiple claims will depend on the actual
circumstances. For example, if one of the drivers was
obviously not negligent based on the circumstances, such as

being in a legally parked vehicle or being rear ended, the
passenger may file a claim against the other driver.
The process of filing a claim may be different if the accident
occurred in a no fault state. These claims do not require on
the showing of negligence in order to provide for the medical
portion of the claim.
Settlement Issues
The next part of the process is to attempt to settle the claim. If
two vehicles were involved in the accident, neither party may
want to settle because each party claims the other was
negligent. Another issue could be be if more than one
passenger was in the vehicle and received damages or
injures. Most insurance policies have a maximum amount of
recoverable compensation for all injury claims. If multiple
passengers suffer serious injuries, each passenger may need
to file a seperate lawsuit against the driver at fault in order to
recover the full amount of their damages.
Comparative Fault
In some instances, insurance companies may try to

Insurance, Liability, And Liability Essay
Insurance and Liability As previously noted, we anticipate that the instances of car accidents will
decrease with the use of HAVs. Nonetheless, car accidents are always a possibility and car accidents
with HAVs pose the unique question, "Is the driver liable or is the manufacturer liable?" HAVs will
ultimately develop into more autonomously functioning vehicles, operating without much human
assistance. If such an autonomously functioning car were part of a car accident, the manufacturer 's
liability would certainly increase. However, the first commercially available HAVs will involve the
vehicle sharing the driving responsibility with the human driver. Establishing liability in this gray
area is a challenge that Maryland will take on. Also, car insurance premiums will likely increase for
the consumer, which is an important consideration because that translates to less disposable income
in the pocket of the driver. Technology One of the primary concerns is ensuring a two–tier system
guaranteeing that if one system fails (i.e. the car's autonomous system), there is a warning system to
inform the driver to take control of the vehicle. The safety of the driver has to remain the number
one concern. The intricate technology used on HAVs is what makes their smart driving capabilities
work safely. Frequent software updates will be necessary so that the HAV can acknowledge new
roads and infrastructure.(cite: Anderson) If the HAV owner waits several months after being notified
of

Sunset Cruise And Cruise With Alcohol Sunset Cruises
Sunset Cruise/Cruise With Alcohol Sunset cruises or cruises with alcohol may be allowed under
specific circumstances. However, they are not recommended due to the risk management issues
related to alcohol, nearness to the water and issues that may not be able to be addressed while the
cruise is not docked. The contract must be reviewed and approved. Furthermore, there must be
adequate insurance. Kappa's policy will cover: Non–owned watercraft less than 55 feet (16.764
meters). Boats greater than 55 feet (16.764 meters) as long as the boat is leased or chartered with a
crew and contract in place. Tailgates Must occur in an enclosed space with limited entrances and
exits so only members and guests may attend. Once a member or guest ... Show more content on
Helpwriting.net ...
In those situations, the Risk Management Coordinator or the Risk Management Specialist will work
with you to determine the options you and your chapter have, which could include: Finding an
alternative vendor to work with that meets Kappa's requirements. Changing the event to a dry event
and still using the venue without liquor liability coverage and/or with a bad contract. Purchasing a
special event policy through MJ Insurance – or outside insurance for states where special event
policies are not available – to offset a lack of/low liquor liability coverage. Dry Events Including
Dry Socials and Off–Campus Sisterhood Events Quick hits Required o Approval from the Risk
Management Chairman and Risk Management Adviser o Chaperones (if noted below)o COIs and
Contracts While security is not required, it is recommended if the venue will not staff the event.
Transportation allowed (pending review of mileage): Walking, Responsible Drivers, hired
transportation Events at Fraternity Facilities Chapters may co–sponsor events at men's facilities –
such as dorms, lodges, or houses – if the facility is alcohol–free or if the event itself will be alcohol–
free. The fraternity's president is required to send an email to the Risk Management Adviser that
details the hours that the facility will be alcohol–free. Events Held at a Member's Home While proof
of

Professional Liability Insurance
An individual can lose a lot when they fall to professional malpractices. It can be their natural
physical appearance. It can be their sense of confidence and self–esteem. It can also be their savings
or future earnings. With so much at stake, it is promoted that professionals get a professional
liability insurance. What is Professional Liability Insurance? Professional liability insurance is a
type of malpractice liability insurance, Florida attorneys explain. It can be called different names,
depending on profession. In the medical field, it is called malpractice insurance. A malpractice
insurance covers financial costs in two ways. First, during filing of a case against negligence.
Second, for coverage of damages incurred as declared

Liability Insurance Coverage
Our litigious culture makes liability coverage a necessity. Headquartered in NewYork City, Sun Ray
Corp is an insurance agency offering everything from home insurance to liability coverage. These
experts say understanding the facts about liability coverage will help you get a sense of just how
useful this insurance coverage can be.
Here are some facts regarding liability coverage:
What Is It? Liability coverage is insurance that protects your assets if someone is injured on your
property or if you injure someone or damage someone's property.
What Kind Of Protection Does It Provide? If your dog bites someone, or if someone slips and falls
on your property, they can sue you. Legal costs can quickly add up if you're forced to defend
yourself in court, and liability coverage foots the bill for legal expenses if you find yourself the
target of a lawsuit. If you lose the lawsuit and damages are awarded, liability coverage will bear
some or all of the expense, depending on how much insurance you have. ... Show more content on
Helpwriting.net ...
The best way to determine your needs regarding liability insurance coverage is to consult with a
knowledgeable insurance agency. The specialists at an insurance agency will analyze your situation
and make recommendations regarding how much coverage you should carry.
Sun Ray Corp is home to experts with the skill and expertise to help you make the smartest choices
regarding insurance coverage. These specialists will carefully look at your circumstances and
provide you with the protection you need to properly safeguard your assets. Whether you're looking
for liability coverage or home insurance, these talented professionals will help you find the best
polices at the most affordable rates. Get New York City's leaders in affordable insurance coverage
on your side by calling (212) 732–5280, or visit Sun Ray Corp online to take a look at this insurance
agency's impressive selection of

Auto Liability Insurance
Auto Liability Insurance | Auto Insurance Companies Grapevine
When in the market to purchase a new home, consider talking to a Box insurance agent about the
liability limits on your car insurance policy. If your auto liability insurance limits are too low, your
home could be at risk in the event of an accident you are responsible for causing. If you are sued,
and a judgment rendered against you, the responsibility to pay the amount in excess of your policy's
liability limits will be yours. Our agents represent one of the area's oldest leaders in auto insurance
companies in Grapevine; and are available to discuss your current auto liability coverage, and to
ensure the protection of your assets. For more than 90 years, Box Insurance Agency has been one of
the region's best–known auto insurance ... Show more content on Helpwriting.net ...
Call 911 and notify the police. Notification of the police is necessary in order to obtain an accident
report. Uninsured motorist coverage will only pay in the event of a hit–and–run when reported to the
police.
3. Do not admit fault, or discuss the car accident with anyone other than the police and your
insurance company.
4. Exchange the following information with the other driver involved in the car accident (If the other
driver is unwilling to share information, the following should be on the accident report):
i) Name ii) Address iii) Telephone number iv) Tag number and driver's license number
v) Full insurance company name vi) Insurance policy number vii) Get the names, addresses, and
telephone number of witnesses to the accident
5. Contact your insurance company and report the claim.
Our agents provide an umbrella of protection in personal, small business, commercial, industrial,
and life insurance for our clients in Grapevine, Fort Worth, Dallas, and surrounding areas. Contact
the leader in auto insurance companies in Grapevine today. A Box Insurance agent is ready to take
your call, and provide a quote for auto insurance liability, or your other insurance

General Business Liability Insurance
Imagine what would happen if someone would trip over a display and break a leg while inside your
grocery store. Also think what could happen if the heating system your workers installed in
someone's house quit working on the coldest day of winter, or if a major fire would burn a large
portion the clothing in your sporting goods store . You would be protected in each of the incidents,
from possible lawsuits, and the damages you might incur from a disaster, if your small or large
business has business liability insurance. Why you need it: Business liability insurance, also known
as general business liability insurance or commercial general business liability will pay for medical
costs, such as emergency room stays or ambulances, or other ... Show more content on
Helpwriting.net ...
This is because the risk of a building contractor being responsible for someone being injured is
greater, and when this happens, damages are typically more. As an example, medical costs for an
injury might be $200,000 to $300,000, and legal fees could total more than $100,000. If your
coverage is for only $300,000, you might owe from $50,000 to $100,000 out–of pocket. This is why
someone with a higher risk of owing expensive damages who has business liability insurance might
want to also add umbrella coverage or excess insurance, while a web designer might not need as
much insurance. Business liability insurance also protects you against other types of clams against
your company: Copyright infringement. Someone can owe from $200 to $150,000 for each work
infringed. Advertising injures. This could include damages caused by slander, libel, and invasion of
privacy. Reputation damages. In this type of claim, someone might sue you, claiming his or her
character was damaged and you defamed his character. You could be responsible for compensatory
damages, punitive damages and assumed damages, or damages a plaintive is assumed to have
suffered if his reputation has been damaged, or if he has experienced mortification or shame as a
result of something you have

Professional Liability Insurance In Nursing Essay
Professional Liability Insurance for Nurses
Many people do not ponder on the possibility of some form of malpractice or misdiagnosis
occurring during their time as patient. They put their trust solely in the healthcare provider. More
importantly nurses hardly ever consider being the one that causes harm or the one whom neglects a
patient, let alone misdiagnose a patient. When entering the nursing field one needs to look at all
options that will help protect them from sustaining any loss. Many nurses in today's time are
purchasing profession liability insurance or more commonly known as professional indemnity.
Professional indemnity helps pay for expenses that occur during malpractice, negligence, and
misdiagnosis lawsuits.
The Oxford Shorter English Dictionary defines indemnity as "security or protection against
contingent hurt, damage, or loss" (Cornock, 2011, p. 25). Professional indemnity is an agreement
between a healthcare provider and an indemnity provider that financial cost will be covered when a
malpractice, negligence, or misdiagnosis lawsuit is filed against the healthcare provider. Countless
nurses take for granted the benefits of having professional indemnity. Most nurses believe that he or
she will not need the protection of professional indemnity until it is too late (Cornock, 2011). In
2008 the average expense by accident year was approximately $45,000 for nurse practitioners
insured through CNA Healthpro. These expenses do not include fees for attorneys,

Asses the Importance of Meeting Organisational and Legal...
In this assignment the author will discuss the organisational and legal requirements when planning a
funeral service. The beginning part will be the basic issues that need to be made when holding an
event and then the legal requirements will be mentioned that should take place when holding this
event.
Holding an event is a very rewarding exercise provided everything runs according to plan. However
things can go wrong and the consequences to the event organiser can be very serious. Events that are
well organised are great and fun and encourages audience and visitors to come back for more. Badly
organised will be remembered by many but for all the wrong reasons. Organising an event can be a
frightening prospect, however with good ... Show more content on Helpwriting.net ...
This exercise is called a Risk Assessment and is essential in organising a successful event. Risk
Assessment is a legal requirement for employers under the Management of Health and Safety at
Work Regulations 1999 stated:
(1)every employer shall make and give effect to such arrangements as are appropriate, having regard
to the nature of his activities and the size of his undertaking, for the effective planning, organisation,
control, monitoring and review of the preventive and protective measures.
(2)Where the employer employs five or more employees, he shall record the arrangements referred
to in paragraph.
(3) Every employer shall make a suitable and sufficient assessment of the risks to the health and
safety of his employees to which they are exposed whilst they are at work; and the risks to the health
and safety of persons not in his employment arising out of or in connection with the conduct by him
of his undertaking,
It is also a way of ensuring the safety of everyone involved with your event.
3. Risk assessments The purpose of Risk Assessment is to indentify hazards which could cause
harm, assess the risk which may arise from those hazards and decide on a suitable measure to
eliminate, or control the risk. A Risk Assessment for the event can only be carried out once
information has been received from contractors, other companies and self employed people will

Liability Insurance Essay
One thing that liability insurance providers require is an extensive application that allows the
providers to acquire data in eight categories: general information (i.e. population of municipality
and areas of operations like university or amusement parks), policies and procedures, education and
training requirements and accreditation, 911 dispatching protocols, jail operations, personnel, prior
insurance information, and claims history. All of this information will affect the underwriting and
ratings process, which allows "insurers to evaluate a risk to decide what coverage, if any, to offer or
renew, and for what price" (Rappaport, p. 1587). The underwriting and ratings process create an
need for municipalities to act favorably because ... Show more content on Helpwriting.net ...
There is one final section in the article, and that section pertains to questions and implications idea
proposed at the beginning of the paper.
This section starts by asking whether or not police insurance reduces actual police misconduct.
Unfortunately, there seems to be a lot of speculation as to whether or not this is the case. Rappaport
(2017) goes back and forth in this subsection detailing how this could be possible and how it might
not be possible. For example, he mentions there is just cause for skepticism in that, "not all 'loss
prevention' to the insurance company results in loss prevention to society" (p. 1599). In other words,
just because something is seen as loss to insurance providers does not mean that municipalities will
view the same thing as a loss, and therefore, this thing would not give the insurers the power to
regulate the police. Skepticism does not fill the brim of this subsection, as there are ways in which
this notion could be affirmed, as well. Essentially, Rappaport (2017) quotes a scholar, Carol Heimer,
who proposes that municipalities might allocate the implementing or discovering of loss–prevention
strategies to outside entities to avoid neglecting them and that through this it can be seen that police
agencies would utilize these strategies to reduce covered harms. Overall, it could also

Homeowners Liability Insurance Research Paper
Homeowners liability insurance, covers civil lawsuits against you when visitors on your property
accidentally suffer injury or property damage. It also protects you against lawsuits when you or your
family members cause bodily injury or property damage to others off your property. A family
member includes anyone related by marriage, blood, or adoption.
What happens if you and your significant other are an unmarried couple? Then your partner and her
children living with you aren't covered in the policy unless you include her as a named insured.
However, many homeowners policies won't allow this.
This leaves your partner vulnerable to all the liability risks that you are protected from. If she is an
active person who is away from home a lot,

Event Planning P3
Every event requires a well–thought through plan to guarantee a successful event. A plan is a crucial
and important process no matter what type of event. A plan is the most important part of an event,
this is because without it there will be no structure to the day, specific legal requirements will not be
followed through, an event plan is key to secure permission for the event to proceed. The event I
will be discussing is a charity event, to raise money for dementia UK, the event is called a Charity
Ball. Women are able to dress up in ball gowns whilst the men will wear a suit and tie. Every year
the event depends on the funds of the people attending. The event is funded from people purchasing
the tickets to attend the event. The money from ... Show more content on Helpwriting.net ...
Key matters for consideration will be access for emergency vehicles and an evacuation point. The
event organiser should also carry out a medical risk assessment, taking into consideration things
such as the activities, the numbers, types and age groups of people attending. Specific arrangements
should be made to ensure disabled visitors have specific facilities such as parking and specific
viewing areas at the event and can safely enjoy the event just like everybody else. You will need a
license to be able to sell alcohol at any event. Where electricity, gas or water is to be used, certain
arrangements must be made to ensure that the facilities are safe. Any hired equipment should come
with a certificate of electrical safety, this is to ensure everyone attending and working at the event
are going to be as safe as possible. A certificate of electrical safety ensures that the equipment has
been used and

The Importance Of Auto Insurance Coverage
Here's what you need to know:
Auto insurance coverage is mandatory in most US states. As a single parent, getting auto insurance
coverage for you and your children can be expensive.
There are specific coverage options that are essential to a single mother, taking any combination of
these coverage options can provide sufficient protection.
Failure to add your 16–year–old or above teenager on your policy will result in the denial of a claim
should the child get into an accident while driving your car.
As a single mother, there are several ways to bring your auto insurance costs down, whether you
have a teenage driver added to the policy or not.
You significantly reduce your auto insurance rates by comparison shopping. Compare quotes from
multiple providers until you find an appropriate policy.
Introduction
Being a responsible parent is not easy. Being a responsible single parent is even more difficult,
financially and in other aspects. You have to ... Show more content on Helpwriting.net ...
The level of required car insurance coverage varies across states. New Hampshire is the only US
state without any auto insurance requirements. If you have smaller kids, you need to get the right
cover to ensure that they are fully protected when you drive to and from different locations.
Sometimes leaving them behind is not an option. Here are the most essential auto insurance
coverage types for a single mother:
Liability Coverage
In most states, auto insurance liability coverage is the mandated level of car insurance. You don't
want any trouble with the law. Therefore, make sure that you have purchased the right amount of
liability coverage. Auto insurance liability pays for the damages caused to the other party's vehicle
in the event of an at–fault accident. This policy will also cover any other type of damage to third
party property as well as the medical expenses for any bodily injuries resulting from the accident.
Personal Injury

Professional Liability And Legal Liability Insurance

Recommended

Recommended

More Related Content

Similar to Professional Liability And Legal Liability Insurance

Similar to Professional Liability And Legal Liability Insurance (13)

More from Amber Rodriguez

More from Amber Rodriguez (20)

Recently uploaded

Recently uploaded (20)

Professional Liability And Legal Liability Insurance