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Cyber liability insurance? ~ Video

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Car Insurance & Auto Insurance from Nationwide, what is automobile liability insurance.

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  • What Is Liability Only Car Insurance Coverage, liability only auto insurance.

    #Liability #only #auto #insurance


    What Is Liability Only Car Insurance Coverage?

    On car insurance policies, there are multiple sections and levels of coverage for a consumer to purchase. The different sections dictate which party is paid for damages, and the limits of coverage available. For some policyholders, the liability section protecting other drivers is all that is necessary.

    Liability Coverage

    When a car insurance policy covers liability only, it means that the policyholder chooses only bodily injury and property damage coverage. These limits would be paid to another party in the event that the policyholder is found at fault for that party s injuries or for any damage done to that party s property. This portion of a car insurance policy is mandatory.

    Limitations of Coverage

    With this type of policy, damage to the policyholder s car is not covered. This means that if he is found at fault for any incident, while the other party s damages would be covered under his policy, the policyholder would have to pay for the repairs to his vehicle.

    State-Specific Coverage

    There are certain states where liability only coverage is not available. States like New York have made other coverage like personal injury protection and uninsured motorist limits mandatory. This means that policyholders must carry these coverages in addition to the basic liability coverage.

    When to Choose Liability Only

    Liability only car insurance may be appropriate for vehicles that have depreciated significantly in value. As a general rule of thumb, once a vehicle reaches seven years of age, it is a good time to take physical damage coverage off the policy and choose liability only coverage if it is available. Since vehicle values depreciate differently depending on make and model, it is best to consult the Kelley Blue Book to determine if the cost of the insurance is beginning to outweigh the car s actual cash value.

    Vehicles that are already damaged should also be insured for liability coverage only. In fact, car insurance companies will usually insure a vehicle with existing damage for only liability and any required state coverage.

    When Liability Only Coverage is Unavailable

    There are other circumstances when liability only coverage is not available. Even on older vehicles, if the car is being leased or financed, the policyholder usually cannot choose liability only coverage. The financial institution holding the vehicle s title will require comprehensive and collision coverage on the vehicle until the loan or lease is satisfied. This is to protect their collateral in case any damage does come to the vehicle that would render it a total loss.


    Liability Insurance Coverage for Your Car Insurance Policy, liability insurance for car.

    #Liability #insurance #for #car


    Liability Insurance

    Summary: Liability Car Insurance

    Liability car insurance pays for accidents you cause and is typically required by state law. Find out what it covers and how much you’ll need on your policy.

    Liability Car Insurance

    When you cause an accident, you will be held accountable for injuries or property damage resulting from that accident.

    Costs of injuries and property damage can be expensive. In fact, they can be so expensive that they are generally well out of the average person’s budget. If you are unable to pay, you risk losing your assets, such as your home, in lawsuits.

    The best way to protect yourself from huge financial losses after an accident is by having liability insurance.

    Types of Liability Coverage

    Liability insurance is the most commonly required type of car insurance throughout the various states. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

    Liability insurance is composed of the following coverage types:

    • Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
    • Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.

    You can learn more about these coverage types by reading our Bodily Injury and Property Damage Coverage page.

    Liability Coverage Limits

    Each state that requires drivers to have liability insurance has its own set of minimum limits your car insurance policy must meet. The limit refers to the maximum amount your car insurance company will pay in a claim.

    You may notice 2 numbers associated with bodily injury liability coverage:

    • The first number is the limit covered per person in an accident.
    • The second number is a total limit covered if 2 or more people are hurt in the accident.

    See the example below to see how minimum limits are typically written out.

    Example of Minimum Liability Insurance Limits

    While minimums will vary amongst states, you’ll often see them listed as follows:

    In many cases, you’ll see the minimum limits written as 15/25/10.

    Does Liability Insurance Cover Personal Damages?

    Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident.

    Your own injuries or property damage are not covered through liability insurance.

    For information on how to protect yourself when you are hurt in an accident, visit our Medical Payments Coverage page.

    To learn how you can get financial protection for damages to your car, visit our Comprehensive and Collision Coverage page.

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    Liability Insurance Costs

    Different factors can go into determining the cost of liability insurance. When comparing car insurance quotes, keep in mind that the following may factor into your rates:

    • Your driving record.
    • The limits you choose for each coverage.
      • You may find that your state’s minimum limit requirements do not provide adequate financial protection.
      • Car insurance companies generally offer higher limits at an increased rate.
    • Your gender.
    • Your marital status.
    • Your credit score.
      • This is not applicable in all states, as some states make it illegal for insurance companies to use your credit score when determining premiums.

    No-Fault Insurance and Liability Insurance

    If you live in one of the handful of states that requires no-fault car insurance, or personal injury protection coverage, you may still be required to buy liability car insurance.

    While your state is considered a “no-fault state, this does not mean that fault is taken completely out of the question after a car accident.

    When you are found at-fault for an accident, the other person’s no-fault insurance will pay for his own bodily injury first. You can still be held responsible for injury-related costs the other driver’s no-fault insurance was unable to pay.

    Your liability insurance will kick in at this point to help you cover these costs.

    Umbrella Insurance

    Umbrella insurance is a type of insurance that provides broad financial protection by working in conjunction with most types of liability insurance you have, including:

    Umbrella insurance is applied AFTER your liability insurance limits have been used.

    If you want further financial protection from injuries or damages you are found responsible for, it is a good idea to purchase this type of car insurance coverage.

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    Acceptance Insurance, Liability Auto Insurance, liability only auto insurance.

    #Liability #only #auto #insurance


    Liability Car Insurance – Get a Free Quote Online

    Liability only auto insuranceRegardless of the state you live in, you must have liability auto insurance if you drive. Driving without liability insurance is against the law. There are many other insurance options above and beyond the basic liability policy, but if you’re going to drive, you are required to carry a minimum amount of liability protection. Acceptance provides a wide range of liability coverage to suit different drivers’ needs, so we have a policy that will keep you covered.

    What is Liability Insurance?

    All drivers are required by law to carry an auto liability insurance policy. A liability policy is the most basic kind of auto insurance on the market, providing a level of protection for vehicular accidents in which the policyholder is liable for injury or damage. If you are involved in a vehicular collision for which you are at fault, your liability car insurance will cover any medical bills or property damage for the other driver(s) resulting from the accident. Keep in mind that this type of insurance will not cover your own injuries and expenses – only those of the other parties. Each state requires a different minimum level of liability insurance for its drivers. Since accidents are often much more expensive than the minimum liability coverage, Acceptance offers a range of options for additional liability protection so you can be sure you’re covered in any unexpected situation.

    What Kinds of Liability Coverage are There?

    Bodily injury coverage is the most important consideration when purchasing a liability policy. If you are responsible for an auto accident that leads to bodily injuries for the other party, it can become an ongoing expense that you will be responsible for. If you cause an accident that hurts someone in another vehicle, bodily injury coverage could help pay for related medical expenses and legal costs. Property damage liability coverage is also very important. Liability auto insurance should cover damage to the other party’s vehicle in an accident for which you were at fault, plus any damage to property that was in the vehicle. Liability coverage may also apply to nearby dwellings and other property surrounding the scene of the collision. Contact Acceptance today to learn more and get the liability coverage you need.


    Acceptance Insurance, Liability Auto Insurance, cheap liability car insurance.

    #Cheap #liability #car #insurance


    Liability Car Insurance – Get a Free Quote Online

    Cheap liability car insuranceRegardless of the state you live in, you must have liability auto insurance if you drive. Driving without liability insurance is against the law. There are many other insurance options above and beyond the basic liability policy, but if you’re going to drive, you are required to carry a minimum amount of liability protection. Acceptance provides a wide range of liability coverage to suit different drivers’ needs, so we have a policy that will keep you covered.

    What is Liability Insurance?

    All drivers are required by law to carry an auto liability insurance policy. A liability policy is the most basic kind of auto insurance on the market, providing a level of protection for vehicular accidents in which the policyholder is liable for injury or damage. If you are involved in a vehicular collision for which you are at fault, your liability car insurance will cover any medical bills or property damage for the other driver(s) resulting from the accident. Keep in mind that this type of insurance will not cover your own injuries and expenses – only those of the other parties. Each state requires a different minimum level of liability insurance for its drivers. Since accidents are often much more expensive than the minimum liability coverage, Acceptance offers a range of options for additional liability protection so you can be sure you’re covered in any unexpected situation.

    What Kinds of Liability Coverage are There?

    Bodily injury coverage is the most important consideration when purchasing a liability policy. If you are responsible for an auto accident that leads to bodily injuries for the other party, it can become an ongoing expense that you will be responsible for. If you cause an accident that hurts someone in another vehicle, bodily injury coverage could help pay for related medical expenses and legal costs. Property damage liability coverage is also very important. Liability auto insurance should cover damage to the other party’s vehicle in an accident for which you were at fault, plus any damage to property that was in the vehicle. Liability coverage may also apply to nearby dwellings and other property surrounding the scene of the collision. Contact Acceptance today to learn more and get the liability coverage you need.


    Property Damage Liability Insurance: What It Covers – How Much to Buy

    #what #does #auto #liability #insurance #cover


    #

    Property Damage Liability Insurance: What It Covers How Much to Buy

    Property damage liability coverage helps pay for damage to someone else’s car or other property due to an accident you caused, up to the policy’s limits. It will also cover damage you may cause to structures and stationary objects, including houses, stores, offices, trees, fences, guardrails, lamp posts, telephone poles, and more.

    Property damage liability insurance does not cover damage to your own car. To repair that damage, you will need the physical damage coverage of your collision and comprehensive policies.

    Property damage coverage is one of two types of liability auto insurance. The other, bodily injury liability insurance. covers injuries to the other driver and any passengers. Some minimum amount of both types of liability car insurance is typically required by states.

    We’ll discuss exactly how property damage liability insurance works, what it costs, and how much you need below.

    How It Works

    Liability insurance packages come in two varieties: combined single limit policies and split limit policies. In a combined single limit policy, your policy will offer a certain amount of coverage, and you can decide how to divide that coverage between bodily injury and property damage.

    When it comes to split limit policies, however, your insurance company will decide how much it will pay out for each type of liability coverage. You will often see such policy packages described using a numeric shorthand like this:

    25,000/50,000/20,000 or 25/50/20

    While the first two numbers apply to bodily injury coverage, we’ll focus on the last, which applies to property damage coverage. In this example, this policy would pay up to $20,000 to repair damage to others’ property in an accident you caused. Let’s look at two scenarios.

    Scenario 1: Minor damage. Let’s say you swerved to avoid a squirrel, hop the curb, and hit a neighbor’s fence, causing $5,000 in damage. Your policy would completely cover the cost to repair or replace the fence.

    Scenario 2: Major damage. Let’s say you are driving on the highway when you lose control of your car and hit two vehicles, causing $5,000 damage to one car and totaling another car worth $20,000. Your policy would pay up to $20,000, but you would be responsible for the remaining $5,000 in damage.

    How Much Is Required?

    Most states require drivers to carry a minimum amount of bodily injury and property damage liability insurance. Your state’s minimum property damage liability coverage amount is provided in the map and table below.

    Minimum coverage requirements last updated November 2014

    Note that some states give you the option to forgo car insurance if you have enough assets to “self insure.” In these states, you may have to deposit significant funds that could be used if you caused an accident, or post a bond. If you—like the vast majority of drivers—opt not to “self insure,” then you are required to meet at least the minimums above.

    How Much Does It Cost?

    When purchasing property damage liability insurance, consider how much it would cost to purchase more coverage than required by your state. You can use the WalletHub Car Insurance Calculator to compare quotes for different levels of property damage liability coverage.

    The table below provides an example of the average additional cost drivers in Los Angeles may incur annually if they increase their property damage liability limits above a baseline of $10,000.

    Added annual cost for additional coverage

    Property Damage Coverage Limits

    From $10K to $25K

    Note: Average calculated from quotes by multiple insurance providers for a 37-year old female with excellent credit in zip code 90001 driving a 2008 Honda Accord.
    *Monthly cost also includes $50,000/$100,000 bodily injury liability insurance and collision and comprehensive insurance with $500 deductibles.

    How Much Coverage Should I Buy?

    Most state requirements are relatively low, and property damage costs can easily exceed those limits. While the Insurance Research Council found that the average property damage liability claim was just over $3,000 in 2012, you could easily exceed the minimum required coverage if you damage or total a new, expensive car in an accident. The average new car costs over $30,000 today, according to TrueCar.com. Keep in mind that if the damages exceed your limit that the other party may sue you for the difference, putting your savings and assets at risk. We recommend you buy maximum property damage coverage you can afford.

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    Editorial Disclaimer: Editorial content is not provided or commissioned by financial institutions. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Our content is intended for informational purposes only.

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    Texas Car Insurance Quotes – Online Auto Insurance, texas auto liability insurance.

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    Online Auto Insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    Texas auto liability insurance

    • $30,000 for bodily injuries to one person.
    • $60,000 for bodily injuries to two or more people per accident.
    • $25,000 liability coverage for property damage. For example, this would cover damages to the other party s vehicle.

    This coverage is commonly abbreviated as 30/60/25. Keep in mind that this coverage does not cover the insured s vehicle in case of an accident.

    Questions About Texas Auto Insurance

    Texas auto liability insuranceIn order for tornado-related vehicle damage to be covered, the insured must have carried comprehensive coverage at the time of the loss. Motorists who do have this included in a policy and have had their vehicles damaged in the Dallas-Fort Worth area should.

    Texas auto liability insuranceTexas residents who own a registered vehicle in the state are required to purchase car insurance before they can apply for a driver’s license. When it comes time to apply for a license, the applicant will need to show proof of an automobile policy. Proof must also be.

    Texas auto liability insuranceTo determine a resident’s risk of being involved in an accident or filing a claim, coverage providers often take into consideration many different details. Often this information can range from personal information about a specific motorist, to the type of vehicle they drive and their.

    News Related to Insurance in Texas

    December 31, 2013 – The New Year that begins tomorrow will mean a few changes to car insurance-related laws in several states across the U.S. Beginning Wednesday, drivers in California, Texas, Oklahoma and Nevada will be subject to new laws taking effect. California auto policies can be renewed electronically under a law that goes into effect on Jan. 1 .

    December 18, 2013 – Personal auto insurance was the line of coverage that generated the most questionable claims (QCs) in Texas, New York and New Jersey between 2010 and 2012, according to three more state-specific reports on QCs that the National Insurance Crime Bureau (NICB) released Wednesday. According to the NICB, which receives QCs from .

    November 19, 2013 – In Texas, motorists looking for inexpensive auto insurance coverage can buy a policy that lasts only 30 days. Drivers can also get liability coverage through what’s commonly called a “named-driver” policy, which have limited coverage that only covers the person who purchased the policy and nobody else. The consumer .

    Articles on Car Insurance in Texas

    Jul 05, 2012 – State data are showing that the number of uninsured drivers in Texas has dropped significantly in 2012. But how much of that trend can be attributed to greater compliance with mandatory car insurance laws, and.

    May 22, 2012 – It has always been a good idea to drive safely and avoid accidents in Texas, but now vehicle owners have a little extra incentive. In April 2012, the state commissioner of insurance issued an order saying that rates for.

    Apr 20, 2012 – In the Lone Star State, all motorists are obligated to pay for damages that they cause while behind the wheel. To help ensure that residents are able to do so, state legislators passed financial responsibility laws that.


    Cheap Car Insurance from Titan Insurance Company, cheap liability car insurance in texas.

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    Liability Only Car Insurance #liability #only #car #insurance


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    Switching to Liability Only Car Insurance

    Here’s what you need to know.

    • To switch to liability only car insurance, you must have a vehicle that is completely paid off
    • Liability pays for the repair or replacement of the other driver s car if you cause an automobile accident
    • Take the time to check out all the options for lowering the cost of your annual premiums

    To switch to liability only car insurance, you must have a vehicle that is completely paid off and, ideally, has a low Kelly Blue Book value.

    You should also only opt for liability only coverage as a last resort because you simply cannot afford other coverage.

    Knowing when you should switch to liability only policy may seem rather complicated. You need to be well aware of the risks you are taking by only carrying liability insurance coverage.

    You need to have investigated other options to help you save money. In addition, your car must be paid for because lien holders will not let you drop full coverage.

    Enter your zip code above to receive free online car insurance quotes now!

    What are the different parts of an insurance policy?

    There are two primary parts of an auto insurance policy and several secondary, and usually optional, coverages available.

    Liability pays for the repair or replacement of the other driver s car if you cause an automobile accident.

    This portion also pays the medical bills and lost wages for all the occupants of the other car.

    Comprehensive and collision are actually two separate entities but are usually sold together. Collision covers the costs to repair or replace your car if you cause an accident.

    If the other driver is at fault, his liability would cover the damage. Comprehensive covers damage caused by events other than a traffic accident, like fire, flood, hail, etc. These carry a deductible.

    The secondary coverages are things like uninsured motorist and medical payments.

    Uninsured motorist insurance pays for your damages if an uninsured motorist causes an accident with your car. Since he doesn t have insurance, the likelihood of getting money from him is slim. Secondary coverage covers this circumstance.

    Medical payments and PIP, or personal injury protection, both cover the medical expenses for everyone in your car if you cause an accident. PIP covers a bit more. like lost wages and funeral expenses. Usually, you cannot have both on a policy; it s an either/or choice.

    You can also choose extras for your policy like towing and rental car reimbursement. These optional riders usually tack on only a few extra dollars a year.

    Risks of Switching To Liability Only Policy

    Switching to liability only car insurance is a big decision. It means that you will be taking on more of the financial risk associated with accidents.

    If you were to have an at-fault accident you would have to pay for repairs or replacement of your car out of pocket.

    Even worse, if you have an accident where you are not at fault but it is a hit and run or the driver has no insurance, you would still be stuck taking care of the damages yourself.

    In addition, with liability coverage only, any medical problems relating to a car accident are yours to take care of. If you are struggling to afford car insurance rates then you may find that the cost of dealing with an accident is out of your budget too.

    Things to Do Before Switching

    Before switching to liability only car insurance, take the time to check out all the options for lowering the cost of your annual premiums. Car insurance companies take a variety of factors into consideration when setting rates.

    Rates can be further reduced with certain discounts that you may be eligible for depending on the insurance company you check with.

    • You have a good driving record
    • You have taken driver training courses
    • You have home and car insurance with the same company
    • You drive your car a limited number of miles annually
    • You have factory installed anti-theft and safety devices on your car
    • All drivers are over a certain age
    • You live in a certain area

    Discounts can be earned simply because you are a member of a certain group. Ask insurers directly to be sure you have all the applicable discounts.

    You may also want to look at the cost of keeping your full coverage but increasing the deductibles on your collision and comprehensive coverage.

    This is a good method of saving money on insurance when your vehicle is still financed and you can’t drop full coverage. Therefore if your vehicle’s value is worth it, investigate this option.

    Consider retaining more than liability coverage on your car.

    Even if you are a great driver, there is always the risk that you can be the victim of an accident at the hands of an uninsured or underinsured driver.

    If you carry uninsured/underinsured motorist coverage, it gives you protection if you are the victim of hit and run or an accident with an uninsured/underinsured driver.

    Free Car Insurance Comparison

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    How much insurance do I have to have?

    Every state requires that you are financially responsible for damage you cause to another driver and his vehicle. In 49 states, this means you must carry liability insurance. The minimum amount varies by state .

    To check what your state s minimum liability requirement is, see Edmund s article .

    In addition to liability, some states require that every driver also to buy uninsured motorist protection.

    A few states require that drivers also carry PIP as part of their car insurance. Those states are: Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah.

    If you are still paying off an automobile loan, the lending institution will require you to carry comprehensive and collision throughout the lifetime of the loan. Failure to do so is cause for the car to be repossessed.

    Purchasing Liability Only Car Insurance

    If you decide to opt for car insurance with liability only, be sure that you have enough coverage. Many people choose to just carry the state-mandated limits, which are always very low.

    Instead choose at least $100,000 bodily injury coverage per person, $300,000 per person and $100,000 property damage coverage. These are the suggested realistic limits that most insurance professionals advise you to carry.

    By shopping around, you should be able to find very affordable car insurance options. In fact, everyone with car insurance should make it a habit of shopping around periodically and comparing and contrasting the available options for them in car insurance.

    You can make your shopping around easy and quick by the free online auto insurance quotes tool on this page that practically does the shopping for you.

    By simply inputting your zip code, the tool will ask you a variety of questions about the type of car you drive, your driving record and that of those who live with you, your needed coverage and how you use your car.

    Before you know it you will have a variety of insurance quotes from top insurers serving your area. Compare them carefully for the price, as well as company reputation and stability, before making a decision.



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    Build a Safety Net With a Professional Liability Insurance Policy

    A general liability insurance policy will only cover claims stemming from bodily injury, property damage, personal injury or an advertising injury. But what if a client sues for damages that result from you or your company’s negligence, misrepresentation, violations of good faith or error or failure to render an opinion or offer a service?

    Professional liability insurance may be customized to meet your specific needs. For example, in a typical business day a pharmacist faces different risks than an architect might face. But both should have professional liability insurance – customized to their unique risks.

    Professional liability insurance policies can cover judgments, attorney fees, court costs and settlements. Even if claims are found to be unwarranted, extended litigation can drain a company’s cash reserves or even cause bankruptcy.

    Who needs a professional business liability insurance policy?

    • Veterinarians
    • Funeral directors
    • Church counselors

    The basics

    Professionals are expected to have a certain level of competence in their disciplines. It’s also expected that they will accurately perform their services, according to the common standards of conduct for their profession. If a professional makes a mistake on the job, they can be held responsible for any harm they cause to a person or business.

    Professional liability insurance policies are generally issued on a claims-made basis, meaning that the coverage extends only to events that occurred during the period in which the coverage was active. It’s important to not let coverage lapse in order to ensure continuous protection against damaging events even if they occurred in the past.

    Create a plan to avoid costly professional errors

    If your profession makes you an expert in a certain area, like medicine, law or real estate, you could be exposed to one or more professional liability risks. No matter how careful you try to be, we’re all prone to make mistakes – in our personal lives and at work. Professional liability insurance might protect you against claims of negligence, malpractice or misrepresentation. Have a plan in place to reduce the possibility of making these mistakes on the job:

    • Keep detailed project and client files
    • Encourage honesty and openness from all of your employees
    • Agree on expectations with your customers before work begins
    • Make ethics a priority
    • Stay within your area of expertise

    What type of professional business liability insurance should you buy?

    Unfortunately there’s no “one size fits all” professional liability insurance policy and no standard wording. Policies must be carefully written to cover any risks and exposures particular to your type of business.

    Some policies include defense expenses for fighting a lawsuit within the limits of liability while others might exclude any punitive damages awarded to the client. The wording of professional liability insurance policies varies from company to company, and each policy must be read carefully to make sure the coverage fits the exposure.

    Premiums for professional liability insurance are based on a company’s revenues, type of professional service provided, number of employees providing the service and the company’s loss history.

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

    Liability Insurance – What’s Covered?

    How to Get a Business Liability Quote

    Avoid These Common Business Claims

    Why Choose Nationwide for Liability Insurance?



    Cheapest General Liability Insurance – Instant Quotes, liability business insurance quotes.#Liability #business #insurance #quotes


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    General Liability Insurance

    For a modern company, just operating a business poses many risks. What may have been shrugged off as a small incident in years past, can now result in lawsuit with enormous damages. This is why more and more business people are turning to general liability insurance to help manage the risks of simply going about your business. General Liability insurance, often called business insurance is the most commonly used insurance tool to shield the assets of a business for something it did or failed to do to prevent an injury or damage to property.

    General liability insurance can be purchased by itself or bundled together into a business-owners policy, also known as a BOP. There are very few business that should pursuit a business-owners policy for several reasons. First, while a BOP is easier from a paperwork perspective, in that you only need apply for one policy, BOPs are usually more expensive.

    “A BOP does not include professional liability insurance, which protects you from losses or expenses resulting from claims of errors or omissions or negligence in your business” -Entrepreneur.com

    Second, business owner policies usually provide a cookie-cutter approach to coverage you need, looking less at your total risk portfolio and more at simply the size of your business. A good way to look at this is through the metaphor of your homeowners and auto insurance. While it would be easier to apply for your home owners and auto insurance on one policy, it could leave you exposed if you bought into a policy that looked only at your household income to establish coverage level versus looking at the cost to replace your car and home should a claim arise. Similarly unbundling a business owner policy has similar advantages.

    So How Much General Liability Insurance Coverage Do you Need?

    Like most businesses there are generalists and specialists. Often commercial insurers work exclusively on general liability insurance, worker’s compensation insurance, and business property insurance. They have access to the risk profiles and coverage amounts of similar businesses to your and can help you establish a baseline minimum for coverage. Also a professional commercial insurance specialist can help you understand where the three forms for insurance dovetail so that you don’t over-purchase one particular kind of insurance.

    The State or States Your Business Operates in Can Have an Effect On Your General Liability Insurance Needs

    Some states tend to lean heavily in a plaintiff’s favor, and require businesses to carry higher-limits on certain aspects of their risk. In this case a special liability rider can be added to your base policy to cover that state-mandated risk. Also if you do business in more than one state or you visit clients or vendors in other states it is good to work with a professional commercial insurance broker, like Generalliabilityinsurance.org, that can provide guidance and access to the proper insurance resources for your needs in every state.

    Is your Business Already Locked Into a Long-Term Commercial Insurance Policy?

    Let us take a look at your policy and help you understand if your policy limits make sense for your risk exposure. Your existing policy may fits your needs and require little or no new insurance. Often times a rider or the purchase of an inexpensive umbrella policy is enough to get your business where it needs to be to manage its risk.



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    Constitutional Law
    Batson is back [MCLE]
    For only the second time in over 25 years, the California Supreme Court has found that a peremptory challenge violated the constitutional prohibition against racial discrimination in jury selection. By Laura Kelly and Mai Linh Spencer

    Constitutional Law
    Courts diverge on commercial speech [MCLE]
    Recent U.S. Supreme Court decisions have granted ever-increasing First Amendment protection to commercial speakers. The 9th Circuit, however, seems to be moving in the opposite direction. By Richard A. Samp

    Internet Law
    Maintain immunity under the Communications Decency Act [MCLE]
    What should you do if users start using your client’s website to post hateful, obscene or defamatory comments and images? User-posted content can damage your business image and, with the wrong set of facts, result in legal liability. By Matthew Lubniewski and Samantha Beatty

    Evidence
    Character evidence in civil cases [MCLE]
    The objective of this article and self-study test is to review basic legal principles affecting the admissibility of character evidence in civil litigation. By Elia V. Pirozzi

    Discovery
    Maintain professionalism in depositions [MCLE]
    To avoid the ire of the court and serious sanctions, attorneys taking and defending depositions should conduct themselves as if they were speaking before a judge. By J. Randolph Evans and Shari Klevens



    Homeowners Insurance – Rates – Quotes: Farmers Insurance #homeowner #insurance, #personal #property, #liability #insurance, #farmers #agent, #protection


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    Homeowners Insurance

    Your home is where you hang your hat, where your family sleeps, and where you keep your valuable and meaningful belongings. When it comes to protecting your investments, there are few things more important than insuring your home.

    That’s because Homeowners insurance can help you:

    • Cover your property and possessions if they’re damaged or destroyed by a covered loss.
  • Protect your assets if you’re sued for your alleged negligence that caused an accidental resulting in property damage or injury to another.
  • To know you’re covered the way you want, it’s important to know how much coverage you want, and which coverage options are available to you.

    Video: Learn the Basics

    Video: Learn the Basics Insuring your house? Find out what’s covered and what’s important to know when it comes to protecting your property

    Things to think about when choosing Homeowners coverage

    To help you find the homeowners insurance you want, take into account the:

    Value of your home

    What would it take to rebuild your home at today’s prices?

    Keep in mind, the price you paid for your home is not necessarily what it will cost to rebuild it. For example, the cost of your home may have included the value of the land. When insuring your home though, consider what it would cost to replace or rebuild the house itself. Talk to a Farmers agent, who can work with you to estimate the reconstruction cost of your home. You can also ask a reputable contractor about local building costs.

    Value of unique or expensive items

    Do you have fine art, jewelry, or coins? How about a wedding or engagement ring?

    Homeowners insurance covers these valuable items up to the amount listed in the policy, but this may not be enough to fully cover valuable or unique items. Talk to your Farmers agent about adding Personal Article Floaters to your policy. Floaters provide increased limits and/or additional coverage for specific valuable and unique items, so you can cover them the way you want.

    Value of your liability coverage

    If you were to be sued because of an accident or injury for which you were legally responsible, would your financial assets be at risk?

    Life happens, and at some point you could be responsible, or liable, for injuries, accidents, and damages that happen on your property or anywhere else, for that matter. You can protect your assets against claims and lawsuits with liability coverage available on your homeowners policy.

    Value of your personal property

    It’s difficult to know exactly how many things you own, and how much your personal possessions are really worth until you do a full home inventory. That means going room to room, making a list, and taking pictures of what you have (include as much detail as possible). With a better idea of the value of your personal property, you can more accurately choose the coverage you want to replace your items in the event of a covered loss. With some limited exceptions, a Farmers Homeowners policy will usually cover your personal property anywhere in the world, for the limits stated in your policy.



    COLORADO SPRINGS INJURY ATTORNEY #colorado #springs #accident #attorney, #colorado #injury #lawyer, #car #accident, #wrongful #death, #motorcycle, #auto, #construction #site, #work #accident, #drug, #fracture, #back, #neck, #brachial #plexus, #truck #collision, #nursing #home #abuse, #paralysis, #product #liability, #vision, #serious #injury #colorado #springs #personal #injury #lawyer


    • Amputation Injury
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    • Brachial Plexus Injury
    • Burn Injury
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    • Drug Injury
    • Fracture Injury
    • Neck Injury
    • Neurological Injury
    • Nursing Home Injury
    • Paralysis Injury
    • Product Injury
    • Serious Injury
    • Vision Injury

    A Colorado Springs Injury Attorney

    Have you or someone you love been seriously injured in an accident? If so, contact us here at the law office of the Colorado Springs Injury Attorney to discuss your case.

    Our legal team has been recovering compensation for injured clients for many years. Our firm has successfully represented cases of serious injuries such as:

    • Amputation Injury
    • Back Injury
    • Birth Injury
    • Burn Injury
    • Construction Site Injury
    • Drug Injury
    • And much more.

    Although you may have health insurance or a viable claim with a faulted party, the Colorado Springs Injury Attorney can be the advocate you need to maximize your compensation. Make no mistake – insurance companies are not designed to help you, but make a profit. Retaining an attorney and filing a personal injury lawsuit can be the best step forward to securing the funds you will need to care for yourself and your family.

    The Colorado Springs Injury Lawyer has experience representing clients against all types of parties including hospitals, employers, and insurance companies. If you have been injured, we can protect your rights. Contact our office today for a free initial consultation regarding your case.

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    Mississippi Personal Injury Attorney, Jackson MS Product Liability Lawyer, Meridian Wrongful Death – Truck Accident, product liability lawyer.#Product #liability #lawyer


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    product liability lawyer

    Product liability lawyer

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    Contact Now.

    The Smith Law Firm, PLLC

    681 Towne Center Boulevard, Suite B

    Ridgeland, MS 39157

    Phone: (601) 952-1422

    Wrongful Death

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    Product liability lawyer

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    Recent News

    Jury awards $110 Million Verdict Over Talc Cancer-Link Claim

    J J baby powder cancer lawsuit

    J May 3, 2016

    By Patsy R. Brumfield

    There’s a Mississippi connection to the latest jury verdict against Johnson Johnson over its talc products: Ridgeland attorney R. Allen Smith is the David going against the health care products giant. On Monday, a St. Louis, Mo., jury ordered Johnson and Johnson to pay $55 million to a woman who claimed use of their talc products caused her ovarian cancer.

    J J Faces 1,000 More Talc-Cancer Suits After Verdict Loss May 2, 2016

    by Margaret Cronin Fisk, Tim Bross and Jef Feeley

    Johnson Johnson must pay $55 million to a 62-year-old South Dakota woman who blamed her ovarian cancer on the company’s talcum powder in the second such trial loss this year. J J is accused in more than 1,000 lawsuits in state and federal courts of ignoring studies linking its Shower-to-Shower product and Johnson’s Baby Powder to ovarian cancer. Women contend the company knew the risk and failed to warn customers.

    I turned down $1M from Johnson Johnson, and blew the whistle instead May 2, 2016

    Cosmetics giant Johnson & Johnson was last week ordered by a Missouri jury to pay $72 million in damages to the family of a woman whose death from ovarian cancer was linked to her decades-long use of the company’s talc-based Baby Powder and Shower to Shower products. Ovarian cancer survivor Deane Berg, 58, a physician’s assistant from Sioux Falls, SD, believes the judgment is a great victory. Here, Berg tells The Post’s Jane Ridley her story.

    Need Help?

    If you or a loved one have been diagnosed or died from Ovarian Cancer and has a history of using talcum powder, call The Smith Law Firm, PLLC at (601) 952-1422 for your free and confidential consultation.



    Medical malpractice insurance coverage types #medical #malpractice #insurance,purchasing #tips,how #to #buy,discounts,quotes,liability #insurance,professional,malpractice,dental,nursing,santa #monica,california


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    Purchasing
    Medical Malpractice Insurance

    How to Choose Medical Malpractice Insurance

    Medical malpractice insurance falls into three categories: claims-made, occurrence and claims-paid coverage. The most common type of policy is claims-made coverage.

    Claims-made policies cover policyholders for alleged acts of malpractice that take place and are reported to the carrier during the policy period. Claims-made policy premiums are relatively low for the first few years due to the fact that there is often a significant lag between when a treatment is administered and the filing of a claim resulting from that treatment. Because of this, claims-made premiums are structured to increase each year that the coverage is in continuous force until the risk presented approximates a mature risk. This is usually in years 5, 6, or 7 for individual physicians.

    As a result, one advantage of claims-made coverage is that premiums are based on actual past and current experience. Policyholders therefore do not pay premiums for future liability that is difficult to project.

    Another advantage of claims-made coverage is that it enables physicians to increase liability limits when necessary. For example, the limits of liability in effect at a policy’s inception may not be enough to cover a settlement incurred today. In this case, the physician may which to increase his or her limits of liability. The most desirable claims-made policies establish the limits of liability available to the policyholder as those in effect at the time a claim is reported rather than those in effect at the time the incident occurred.

    Since claims-made policies only cover claims reported, and arising from, incidents that occurred while that policy is in effect, policyholders must be wary when switching carriers or otherwise terminating coverage. When terminating a claims-made policy with one carrier, physicians should obtain either tail coverage (extended reporting coverage) from their old carrier or retroactive (prior-acts) coverage from their new carrier. Both of these coverages insure against claims reported after the end of the original policy period for incidents that occurred while that policy was in effect.

    When purchasing a claims-made policy, prospective insureds should look for a guaranteed right to purchase tail coverage. They should also verify the length of time that tail coverage will be available since some companies offer tail coverage only for a fixed number of years. Another feature to look for is tail coverage that is provided at no charge upon retirement for permanent and total disability and in the event of death.

    Premiums for tail coverage are determined by a doctor’s specialty, territory, limits of liability and length of continuous claims-made coverage. Tail coverage gets more expensive the further back in time it must provide coverage since the liability assumed by the carrier becomes greater. It is usually a percentage of the insured’s prior years premium.

    Prior Acts ( Nose ) Coverage
    Prior acts coverage provides similar protection as reporting endorsement coverage. However, unlike a tail, nose coverage is purchased through the new insurer.

    An occurrence policy insures for any incident that occurs while the policy is in effect, regardless of when a claim is filed. Under an occurrence policy, insureds pay premiums that take into account not current experience, but future projections as well. Such claims are called incurred but not reported (IBNR). Occurrence insurance rates can vary significantly because of the difficulty in projecting future claims expenses. Under an occurrence policy, the limits of liability are those in effect when the incident occurred.

    The advantage of an occurrence policy is that neither retroactive (prior acts) nor tail coverage is needed when terminating coverage.

    Claims-paid coverage is often used by Trusts. Under a claims-paid policy, premiums are based only on claims settled during the previous year and projected for the current year. Claims-paid policies are generally assessable for a number of years after the policy has been terminated. In addition, claims-paid policies usually have restrictive claims triggers, under which a claim is not considered formally made until a Summons and Complaint is received. As a result, policyholders changing from claims-paid coverage to claims-made coverage might find it difficult to obtain retroactive (prior acts) coverage from the new carrier. Physicians leaving a claims-paid carrier will most likely have to purchase expensive tail coverage from that claims-paid carrier.



    Austin, Bryan, Waco Texas Personal Injury Lawyers, Daniel Stark Injury Law, product liability lawyers.#Product #liability #lawyers


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    My name is Lauren Camp and I saw a billboard and decided to hire Daniel Stark as my injury lawyer when I was hit head on by another driver. Its been two years and they helped me get the treatment I needed and I am about to receive my settlement ( which will cover all of my neck injury bills, fees plus some). Claudia was awesome about keeping in touch. YOU HAVE NOTHING TO LOSE!!

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    I hired Daniel Stark Personal Injury Lawyers and could not have been happy with the results. The team always provided updates on the case and were more than happy to provide more updates or explanations within 24 hours of requesting them. They office worked the case from the start through the mediation process for a period of close to 2 years, and made sure that I know what my rights and obligations are throughout each different phase of the case. Overall, I’m very happy to have hired this office to represent my case.

    Product liability lawyers

    A friend of mine and I were in a bad car accident 2 years ago. It was the other driver’s fault, but we still had medical bills my car insurance company did not have the obligation to pay, and my friend was injured due to the accident. I was so concerned about the whole situation after the accident, how everything is gonna go, how much money I be losing, etc. After searching the web, we decided to hire Daniel Stark Law Firm to represent us, and I could not be happier with the services they provided. The team that I worked with was super nice and professional, and always there to answer any of my questions related to the case. They were always very honest with me, provided great insights to my situation, and always followup with me along every step of the process. After 2 years of my accident, my attorney Jerrell Wise helped my friend and I settled the case successfully, and we are both very very happy with how everything turned out. I could not have imagined how much loses I would have had if I never hired this team. I would highly recommend Daniel Stark law to anyone who is suffering from accidents and had to go through what my friend and I were going through. Putting aside the fact that it was due to an accident, it was truly a pleasure working with them.

    Product liability lawyers

    What a great firm to help with all our needs. My wife was in a head on wreck (drunk driver) and with massive amounts of medical bills on our part (over $500,000) we came to Daniel Stark and a wonderful man named Michael Loh took over helping us. He was able to get the medical bills reduced enough that our car insurance was able to pay the bill in full!! Michael was the best!! Always calling or emailing to keep me and my wife informed of the progress. If I am ever in a situation like this again I know exactly who I will call..Daniel Stark Law!! Joe & Julia Page

    Product liability lawyers

    As a contracted investigator I get a unique glimpse of Daniel Stark. I not only get to see what goes on in front of the client, but behind the scenes as well. The word that sums it up for me is CONSISTENCY. Their positive “can-do “ attitude, whether working with their clients or me, has always been consistent. They CARE about everyone they meet and it shows. In today’s world this is a very unique quality. I highly recommend Daniel Stark for anyone looking for a law firm that not only does a great job you will be happy with, but also cares about you in the process!



    Questions About Stryker Hip Replacements #questions #about #stryker #hip #replacements,defective #product #attorneys #south #carolina,defective #product #lawyers #sc,product #liability #lawyers,product #liability #attorneys,camden,sumter,lexington,newberry,orangeburg,columbia,aiken


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    Questions About Stryker Hip Replacements

    Camden, Sumter, Lexington, Newberry, Orangeburg, Columbia, Aiken SC.

    Why are Stryker hip replacements being recalled?

    According to Stryker Orthopaedics, there is a potential for fretting and corrosion where the parts of these modular Stryker hip replacements come together. Fretting is when the parts aren t completely secure and tiny movements result in wear at the contact surface. Corrosion is when a metal interacts chemically with its surroundings, typically by becoming oxidized. Often this results in the formation of soluble metal ions that can cause local injury, but can also be transported throughout the body.

    What Stryker hip replacement models are covered by the recall?

    The recall covers only Rejuvenate and ABG II modular systems.

    What are the symptoms of Stryker hip implant failure?

    The most common symptoms reported by people with defective hip replacements are swelling, pain, and loss of mobility. If you experience these symptoms, you should contact your doctor immediately.

    How common are Stryker hip implant failures?

    We don t know. When Stryker Orthopaedics sent out its initial communications on this issue, it stated that revision surgery rates were less than one percent. That figure was used as late as May 28, 2012, but it is no longer being used. Instead, Stryker describes the complication rates as extremely low. Although this is intended to sound reassuring, it also tells us they are likely unsure about the actual failure rate.

    If Stryker and industry experts were sure the rate would remain extremely low, they might not have initiated this recall, but the concern is that reports of failure may be predictive of a trend of increasing failures.

    What health concerns are associated with Stryker hip implant failures?

    Stryker Orthopaedics has stated the following concerns about the fretting and/or corrosion of the hip implants:

    • Excessive metal debris may lead to local metal toxicity, tissue death, and pain, resulting in a need for revision surgery
    • Patients may experience an allergic reaction to the metal fragments and need revision surgery
    • Patients may experience bone loss around the implant

    However, in addition to these concerns, we know from experience with other hip implants that there is a possibility of systemic metal toxicity, leading to permanent neurological damage. If detected and removed during the early phases, though, few patients will experience this extreme type of heavy metal poisoning.

    When should I contact a lawyer about my Stryker hip replacement?

    If you have health concerns or are unsure about the type of your hip replacement, you should contact your doctor. If you know you have suffered injury associated with a Stryker hip replacement, you should contact a lawyer. Even if you do not know the full extent of your injury, talking to a lawyer can help you preserve your rights to full compensation for your injury.

    What compensation is available for Stryker hip replacement injuries?

    We do not know the full extent of compensation, but it will likely include payment for:

    • Medical bills
    • Lost wages
    • Disability and diminished earning capacity
    • Diminished quality of life
    • Pain and suffering

    There may also be punitive damages assigned if it is found that Stryker Orthopaedics was grossly negligent or acted inappropriately in response to reports of injury.

    Why should I contact McWhirter, Bellinger Associates about my Stryker hip replacement injuries?

    The defective product attorneys in South Carolina at McWhirter, Bellinger Associates have over 30 years experience defending the rights of injury victims in South Carolina. Our attorneys have experience taking on medical device and pharmaceutical drug manufacturers and we know how to win these types of cases. We can t guarantee victory in your case, but we can guarantee we will dedicate ourselves to your cause and employ the best strategies available. Our offices in Columbia, Lexington, Orangeburg, Sumter, Camden, Aiken, and Newberry mean we are close to you–and if your mobility has been impacted by your hip replacement, we will come to you. Best of all, the consultation is FREE–it won t cost you anything to see if we can help.

    If you have suffered injury associated with Stryker hip replacements, please contact McWhirter, Bellinger Associates today to schedule your free consultation. Serving the areas of Camden. Sumter. Lexington. Newberry. Orangeburg. Columbia. and Aiken, South Carolina .

    Copyright – McWhirter, Bellinger Associates, P.A. Accident Attorneys in South Carolina. All Rights Reserved.

    South Carolina Personal Injury Disclaimer: McWhirter, Bellinger Associates, P.A. provides the information in this web site for informational purposes only. The information does not constitute as formal personal injury advice. The use of this site does not create an attorney-client relationship. Further communication with our attorneys through the web site and e-mail may not be considered as confidential or privileged. No fee or cost if no recovery. Fee computed before deducting expenses from recovery. This fee structure is for personal injury claims and exclude criminal or social security related cases. Please contact our South Carolina accident attorneys if you wish to discuss in more detail the contents of this web site.

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    Commercial Auto Liability Insurance – Nationwide #commercial #auto #liability, #commercial #auto #liability #insurance, #commercial #auto #liability #coverage, #business #auto #liability #insurance, #commercial #truck #liability #insurance


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    Protect your business fleet with commercial auto liability coverage

    Business auto liability insurance is an important safeguard for your business. If you or an employee is sued following a serious accident in a car or truck you own, liability insurance helps protect your company’s assets.

    Who needs commercial auto liability insurance?

    You need this protection if:

    • Your business owns, leases or rents any vehicles
    • Employees drive company-owned, leased or rented vehicles
    • Employees drive their own vehicles while conducting business
    • You or your employees drive company cars for both business and personal use

    It’s required in most states

    Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are injured or their property is damaged. A minimum amount of commercial auto liability insurance (or proof of financial responsibility) is required in most states.

    Some states also require underinsured motorist and uninsured motorist coverage to protect you when the at-fault driver is unable to pay the total cost. Collision or comprehensive insurance is often optional.

    Is minimum coverage enough?

    Minimum required commercial auto liability coverage varies by state, and typically is the same for both personal and commercial auto liability policies. Many companies opt for more than state-minimum coverage. Why? Because if an injured party sues for a larger amount than the minimal policy covers, it could seriously threaten many small businesses.

    How much commercial auto liability coverage do you need?

    There are no clear rules around how much business auto coverage you need. Nationwide requires at least $100,000 commercial auto liability coverage per vehicle, with a recommended minimum of $500,000 up to a maximum of $1 million.

    For even more coverage, consider a business commercial umbrella policy. It picks up where your business auto liability, general liability or other liability coverage stops. Commercial umbrella insurance is an inexpensive way to get extra coverage against bodily injury and/or property damage.

    For example, if your current commercial truck liability insurance policy covers you for $1 million and you are successfully sued for $1.5 million, your commercial umbrella coverage can pay the outstanding $500,000 – so you don’t have to.

    How do I get commercial auto liability insurance?

    Find an agent and talk to us. Get started protecting your business vehicles today.

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

    Share Article



    Welcome to US Insurance Brokers #commercial #insurance, #property #insurance, #homeowner #insurance, #personal #insurance, #homeowner #insurance, #flood #insurance, #flood, #liability, #insurance


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    Welcome

    Welcome to U.S. Insurance Brokers, your one-stop insurance resource center. U.S. Insurance Brokers offer a wide range of insurance products, all competitively priced, with a high level of commission for new and renewal contracts. Working with retail agents since 2001, we provide a fast response to your requests and guarantee you will receive our homeowner quotes within one hour (usually in 20 minutes), and our commercial quotes by the next business day.

    Fast quotes, friendly service, and high commissions is our promise and our Mission Statement is simple:

    • Strongly support our independent agents
    • Build relationships
    • Provide a high level of professional friendly service
    • Maintain a moderate overhead in order to reward our
      agents with the highest possible commission for all
      our products
    • Continue to be innovative creating new ideas and
      developing new concepts resulting in greater opportunities
      for our agents in order to grow their revenue



    Arizona Business Insurance Quotes #arizona #business #insurance #quotes, #arizona #business #insurance #rates, #business #insurance #quotes, #business #insurance, #arizona #professional #liability #insurance, #arizona #workers # #compensation #insurance, #arizona #business #owners #policy


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    Oops! This version of your browser is not compatible with our application. Please contact us and we will personally help you: 800-688-1984 8am-5:30pm CST Mon-Fri. Or email us.

    Oops! This version of your browser is not compatible with our application. Please contact us and we will personally help you: 800-688-1984 8am-5:30pm CST Mon-Fri. Or email us.

    Arizona

    Savings Tips

    • Increased power consumption in the summer can lead to rolling blackouts and loss of workplace functionality. Ask your agent if a business interruption insurance policy is right for you.
    • The distance between job sites can be high in AZ, due to a low density population. This added driving between jobs might put your employees at higher risk for accidents. Call is to review your business insurance policy to ensure adequate coverage.
    • Arizona is home to a lot of data centers and tech-related industry. Is your professional liability insurance adequate to ensure you remain eligible for as many subcontractor jobs as possible? Update your policy today!

    Arizona Business Insurance

    Complete a single online application and compare rates.

    Get your free. no-obligation quote now!

    Arizona has some unique considerations when it comes to quoting business insurance. The economy of the state is driven largely by tourism during the winter and spring months of the year. As a result, the Arizona business insurance needs of these tourism driven companies varies from month to month. Getting a “one size fits all” business insurance policy is not always the best idea – speaking with a Business Insurance Now agent about customizing your business insurance to fit your needs, however, is a wise investment.

    Unique Considerations for Purchasing Insurance for your Arizona Business

    When getting quoted on an Arizona business insurance policy, your agent should keep in mind the unique risks associated with doing business in the state. While there might not be too many natural disasters in the state, intense heat during the summertime can lead to an increase in workers compensation claims or strain on electricity supply causing rolling blackouts and data loss. Even if you think that your business might not need coverage in certain areas, discussing your needs with an agent can help you adequately determine your Arizona business insurance risks.

    Give us 15 minutes or less. and we’ll have you covered! Start by getting our free, no-obligation online quote. and you’re on your way to saving time and money!

    Let us help you find and bind any of the following coverages:

    Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or “BOP,” this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client’s location.

    Professional Liability Insurance. Professional Liability or “Errors & Omissions” Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice — or other errors or omissions in your work. This coverage is critical for professional services companies.

    Workers Compensation Insurance. Required in many states, Workers’ Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

    Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today’s litigious workplace.

    Additional States

    Business Insurance Now is America’s #1 online insurance agent for small business, including the self-employed and companies with 10 or fewer employees. Business Insurance Now allows businesses to apply for insurance and receive multiple quotes from leading insurance carriers including CNA, Zurich, The Hartford, Philadelphia, Travelers, ACE, USLI, and Hiscox. We offer business owners a variety of insurance protection, including: General liability insurance, professional liability, errors & ommissions, excess liability, umbrella insurance, workers compensation, fidelity bonding, and more. (CA License #0G11129)

    © 2015 Business Insurance Now. ALL RIGHTS RESERVED.



    Ground General Liability – FedEx Insurance #fedex #insurance, #ground #general #liability, #fedex #general #liability, #fedex #risk #management, #fedex #liabilty


    Verification of Insurance

    General Liability Insurance for FedEx Ground, FedEx Freight, FedEx Trade Networks, FedEx Custom Critical, FedEx SupplyChain Systems, FedEx Supply Chain Distribution System, Inc. FedEx Office Print Ship Services.

    This verification is issued as a matter of information only. The coverage afforded by the policies listed below are subject to the policy terms, conditions, limitations,exclusions and deductibles. This verification does not amend, extend or alter the coverage afforded by such policies.

    Limits of Liability

    Insurance Companies and Policy Numbers

    Commercial
    General Liability

    $5,000,000
    Combined
    Single Limit

    Protective Insurance Company
    X1983-16
    FedEx Ground

    $5,000,000
    Combined
    Single Limit

    Protective Insurance Company
    X-1981-16
    FedEx Freight

    $5,000,000
    Combined
    Single Limit

    Protective Insurance Company
    CX-1981-16
    FedEx Freight Canada

    $5,000,000
    Combined
    Single Limit

    Protective Insurance Company
    X-1988-16
    FedEx Custom Critical

    $5,000,000
    Combined
    Single Limit

    Protective Insurance Company
    X-1985-16
    FedEx SupplyChain Systems

    $2,000,000
    Combined
    Single Limit

    $2,000,000
    Combined
    Single Limit

    National Union Fire Insurance Co of Pittsburgh, PA
    GL3796729
    FedEx Supply Chain Distribution System, Inc.

    AIG Insurance Company of Canada
    RMGL9895688
    FedEx Supply Chain Distribution System, Inc.- Canada

    $1,000,000
    Combined
    Single Limit

    National Union Fire Insurance Co of Pittsburgh, PA
    GL2404359
    FedEx Trade Networks



    Injury Lawyers Dallas #injury #lawyers #dallas,texas #auto #accident #lawyer, #dallas #personal #injury #lawyer, #auto #accident #lawyer #dallas, #personal #injury #lawyer #dallas, #denny #r. #martin, #dallas #personal #injury #attorney, #car #accident #lawyer #dallas, #medical #malpractice #lawyer #dallas, #medical #malpractice #attorney #dallas, #motorcycle #accident #lawyer #dallas, #motorcycle #accident #attorney #dallas, #product #liability #lawyer #dallas, #on #the #job #injury #lawyer #dallas #texas, #dallas #car #accident #attorney, #auto #accident #attorney #dallas, #dallas #truck #accident #lawyer


    #

    Dallas Personal Injury Lawyer
    Serving the Greater Dallas-Fort Worth Metroplex

    Se habla Espanol

    Injury Lawyers Dallas | Personal Injury Lawyer Dallas Car Accident Attorney

    Denny R. Martin is a Dallas personal injury lawyer with over 30 years of experience. He is Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization. The Law Office of Denny R. Martin, P.C. is conveniently located at Abrams Centre/The Prosperity Bank Building at LBJ Freeway at Abrams Road in north Dallas, convenient to Garland, Plano, Mesquite. The staff includes persons who are bilingual, speaking Spanish. The firm limits its practice to personal injuries, including:

    * Auto Accidents Car Wrecks
    * Truck Accidents Wrecks
    * Motorcycle Accidents Wrecks
    * Construction Site Accidents
    * On The Job Injuries
    * Product Liability
    * Premises Liability
    * Medical Malpractice Negligence
    * Wrongful Death
    * Serious Injuries

    Injury Lawyers Dallas | Personal Injury Lawyer Dallas Car Accident Attorney

    Mr. Martin knows you have questions, understands that your legal matter is of great concern to you, and is here to provide the help you need.

    Call Mr. Martin. He will provide a free consultation and evaluate your case for free. He serves the entire State of Texas.

    If you have been injured, it is important that you seek legal advice immediately. It may be that you are entitled to compensation for your loss. This law firm has the resources and experience to fully evaluate your case. In general, in Texas. you have two years from the date of an accident to file a lawsuit against the negligent person or entity that caused your injury, but there may be even earlier or later notice requirements.

    Copyright � 2005-2011 Denny R. Martin, P.C.
    Personal Injury Trial Lawyer Dallas, Texas
    9330 LBJ Frwy, Suite 900, Dallas, TX 75243

    All rights reserved. Revised: March 11, 2011

    Disclaimer: The Law Office of Denny R. Martin, P.C. provides the information in this web site for informational purposes only. The information does not constitute legal advice. The use of this site does not create an attorney client relationship. Further communication with the attorney through the web site and e mail may not be considered as confidential or privileged. Please contact the attorney by telephone if you wish to discuss in more detail the facts of your case or the contents of this web site.

    9330 LBJ FWY, Suite 900 Dallas, Texas 75243 214.369.1407 or 877.552.5656

    Denny R. Martin, Attorney and Counselor, is Licensed to Practice Law in State Federal Courts in Texas. Denny R. Martin is Board Certified, Personal Injury Trial Law – Texas Board of Legal Specialization.

    Injury Lawyers Dallas | Personal Injury Lawyer Dallas Car Accident Attorney

    InjuryLawyersDallas.com – Dallas personal injury lawyer Denny R. Martin. 30+ yrs exp. Board Certified Personal Injury Lawyer Texas Board of Legal Specialization. Injury lawyers Dallas: motorcycle, truck and car accidents Dallas, on the job injuries, product liability, medical malpractice, wrongful death.



    Time Limits for Filing Product Liability Cases: State-by-State #product #liability, #product #liability #law, #accidents #and #injuries


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    Time Limits for Filing Product Liability Cases: State-by-State

    A product liability lawsuit must be filed with the court within the period of time designated by each state. These time limits are called the statute of limitations . In most states, the time period doesn’t begin until the plaintiff or person who was injured discovered or should have discovered his or her injury, under what is known as the discovery rule . A few states begin this time period when the injury actually occurred. Some states have also enacted statutes of repose. which bar actions that are not brought within a specified period of time after some event has occurred, such as the initial sale of a product.

    Statutes of Limitations for Product Liability Claims: State Law Summaries

    An action must be brought within two years from the time when the injury is or should have been discovered.

    An action must be brought within two years from the time when the injury is or should have been discovered.

    An action must be brought within two years from the time when the injury is or should have been discovered. The state has enacted a 12-year statute of repose that begins to run once the product is first sold. The statute of repose does not apply to actions based on negligence or breach of warranty.

    An action must be brought within three years from the time when the injury is or should have been discovered.

    An action must be brought within two years from the time when the injury is or should have been discovered.

    An action must be brought within two years from the time when the injury is or should have been discovered.

    An action must be brought within two three years from the time when the injury is or should have been discovered. The state has enacted a 10-year statute of repose that begins to run once the manufacturer or seller has last parted with the product.

    An action must be brought within two years from the time when the injury is or should have been discovered.

    District of Columbia

    An action must be brought within three years from the time when the injury is or should have been discovered.

    An action must be brought within four years from the time when the injury is or should have been discovered. The state has enacted a 12-year statute of repose, subject to various exceptions.

    An action must be brought within two years from the time when the injury is or should have been discovered or one year from the date on which death has occurred. The state has enacted a 10-year statute of repose, subject to various exceptions.

    An action must be brought within two years from the time when the injury is or should have been discovered.

    An action must be brought within two years of the date on which the injury occurred. The state has enacted a 10-year statute of repose, subject to various exceptions.

    An action must be brought within two years of the date on which the injury occurred. The state has enacted a 12-year statute of repose that begins to run once the product is sold and a 10-year statute of repose that begins to run once the product is delivered to the first owner.

    An action must be brought within two years of the date on which the injury occurred. The state has enacted a 10-year statute of repose.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within one year of the date on which the injury occurred. If injury, death, or property damage does not occur within eight years of the product’s use, then this creates a rebuttable presumption that the product does not contain a defect.

    An action must be brought within one year of the date on which the injury occurred. This statute does not apply to minors.

    An action must be brought within six years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred. If a product is in use for more than 10 years, then liability cannot be based on strict liability.

    An action must be brought within four years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within five years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within four years of the date on which the injury occurred. The state has enacted a 10-year statute of repose, which begins to run from the date in which a product is first sold.

    An action must be brought within four years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred, except where a legal duty has been imposed by the government, in which case the action must be brought within six years. The state has enacted a 12-year statute of repose, which begins to run once the product is manufactured and sold.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within six years from the date of the initial purchase.

    An action must be brought within 10 years from the date of the initial purchase or within 11 years of the date of manufacture.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred. The state has enacted an eight-year statute of repose.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred. The state has enacted a six-year statute of repose, which begins to run after purchase.

    An action must be brought within four years of the date on which the injury occurred. The state has enacted a statute of repose that runs six years after an injury and 10 years after the initial purchase of a product.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within two years of the date on which the injury occurred. The state has enacted a 12-year statute of repose.

    An action must be brought within two years of the date on which the injury occurred.

    An action must be brought within three years of the date on which the injury occurred.

    An action must be brought within four years of the date on which the injury occurred.

    Is Time Running Out? Get a Free Claim Review

    Because of the strict time limits states place on product liability claims, you’ll want to seek legal advice as soon as possible after suffering an injury from a defective or dangerous product. And while full legal representation always comes with a price, you can get started today with a free legal review of your potential claim.



    Auto Liability Insurance #auto #glass #repair


    #insurance auto
    #

    Auto Liability Insurance

    Your Key To Safety.

    Lock up your coverage

    Why Do I Need Liability Insurance On My Car, Truck Or Motorcycle?

    The New York State registered motor vehicle you drive on a public road or highway in New York State, or that you allow someone else to drive, must be covered by liability insurance. Vehicles registered outside New York State and operated within this state must conform with the New York State financial responsibility law. New York State law requires this liability insurance to protect you and other highway users who may be involved in an accident with you:

    • Unless your registered vehicle is a motorcycle, it has to be insured even when it is in storage or not being driven. If you have a motorcycle, its insurance coverage must be in effect whenever the vehicle is operated on a public road or highway.
    • Your vehicle’s insurance and registration must always be in exactly the same name and address. You should always carry the insurance ID card in your vehicle.
    • The insurance coverage must be obtained from a company licensed by the NYS Department of Financial Services. Out-of-state insurance is not acceptable.

    When your vehicle becomes insured, your insurance company must file your coverage electronically with the Department of Motor Vehicles (DMV). Your company also will issue you an insurance identification card so you can register your vehicle at the DMV. However, your insurance ID card alone does not prove you have coverage. State law requires both paper proof and electronic filing of coverage. 

    What Happens If My Vehicle Doesn’t Have Liability Coverage?

    Your insurance company must notify the DMV electronically every time you obtain motor vehicle insurance liability coverage and whenever your coverage has ended. This also is true whether you have changed your insurance company or registered a replacement vehicle, or if your coverage has been reinstated. If your insurance company does not properly notify the DMV electronically, your vehicle registration will be suspended and your driver license could also become suspended.

    How Would Driving Without Insurance Affect My Driver License?

    Your driver license and vehicle registration will be revoked for at least one year if the DMV receives information that you were involved in a traffic crash while driving a motor vehicle not covered by liability insurance. Your license and registration will also be revoked for at least one year if someone else driving your uninsured vehicle is involved in a traffic crash and is convicted of operating without insurance.

    The traffic court fine could be as much as $1,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You will have to pay the DMV an additional civil penalty of $750 to get your license back after revocation.

    How Do I Avoid A Problem?

    Remember this simple rule: no insurance, no plates!

    Make sure the DMV always has your current address for both your vehicle registration and your driver license. You must keep the liability coverage on your motor vehicle for as long as your vehicle is registered in New York State. Your liability coverage must be provided by a company licensed by the NYS Department of Financial Services. Out-of-state coverage is never acceptable on any vehicle registered in New York State. If your NYS insurance is going to end for any reason, turn in the license plates to DMV before your coverage ends. Be sure to obtain a receipt showing that you turned them in. If your insurance is ending, you must turn in your plates even if your car or truck will be parked off the public road or put into storage.

    If you DO NOT have valid liability insurance coverage for your vehicle, you MUST IMMEDIATELY turn in your registration and license plates at a DMV office or mail them to:

    Department of Motor Vehicles

    2799 Route 112

    Medford, NY 11763

    NOTE: Motorcycle plates DO NOT have to be surrendered to DMV when liability insurance lapses. However, it is illegal to operate a motorcycle when it does not have proper liability insurance.

    What If I Get A Letter From The DMV That States My Insurance Has Lapsed?

    Read the letter carefully, and answer it quickly! The DMV letter means an insurance company has notified the DMV that your insurance coverage has ended, and that no other company has notified the DMV about new coverage. Read the insert that came with the letter and follow its instructions carefully. If there is a problem, do not assume your insurance company will take care of it. If you actually do have insurance, respond as the letter instructs, then contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically.

    What If I Get A Letter From The DMV That States My Insurance Company Didn’t Verify My Coverage?

    This means your insurance company did not file your coverage with the DMV electronically. Contact your company or agent and ask them to file a notice of coverage. If the DMV does not receive proper notification electronically from the insurance company, your registration and license will be suspended.

    What If My Insurance Coverage Has Not Lapsed?

    If you receive a cancellation notice from your insurance company and you do not believe your coverage has really ended or been cancelled, contact your insurance agent or company immediately.

    • Do not use the vehicle if coverage has ended, even if you think it ended because of a mistake.
    • If your liability coverage is going to end and you are not going to immediately replace it with other coverage, turn in your license plates to the DMV before coverage ends. If you do not, your vehicle registration and driver license will be suspended.
    • Do not keep the plates while you work out a problem with the insurance company. Turn the plates in to the DMV! You can get your registration back and new plates when the problem is corrected. If your insurance coverage becomes reinstated or if you obtain coverage from a different company, be sure the new company notifies DMV electronically.

    Why Did I Get A Suspension For Invalid Proof Of Insurance?

    If this happens, your insurance company reported that the proof of insurance you gave to the DMV was not valid and you do not have liability coverage with them. If you do have coverage with that company, contact your insurance company and ask them to file a notice of coverage with the DMV electronically. The company must file notice electronically – paper proof or e-mail messages are NOT acceptable. Your proof of insurance cannot be filed electronically by your insurance agent or broker; it can be filed electronically only by your insurance company.

    If your vehicle is now insured with a different company, provide your new insurance ID card to the DMV and ask your new company to file your coverage with the DMV electronically.

    What If I Don’t Follow These Steps?

    Do not drive any vehicle that is not insured. You could be arrested or ticketed, and your vehicle impounded, by a law enforcement officer. If you do not follow these steps, your vehicle registration will be suspended. You must turn in your vehicle’s license plates to the DMV. The registration suspension will last for the same number of days that your vehicle was without liability coverage and the plates had not been turned in.

    If the registration suspension period becomes more than 90 days, your driver license will also be suspended. The license suspension will be in effect until it is reinstated after the end of the registration suspension. To reinstate your driver license, you must pay the DMV a $25 license suspension termination fee. For a suspension that has an effective date on or after July 6, 2009, the termination fee is $50.

    How Can I Avoid Suspension of My Registration?

    If your insurance coverage lapse is 90 days or less, you may have the choice to pay a civil penalty instead of turning in your license plates to the DMV.  This civil penalty options is not available if your insurance lapse was for more than 90 days or if you have used the civil penalty option for a registration suspension within the previous 36 months.