Product-Liability-Insurance is a defensive coverage that avoids producers and traders from suit because of damages caused by utilization of the product given. In the occasion that the producers, distributors, or merchants that traded the merchandise is charged, the insurance company handles the recompense of any sum of money awarded by the magistrates, hence, avoiding monetary loss toward the defendant. Product liability assurance...more
As the owner of a business which serves alcohol to its patrons you need to be aware of risk management steps that will help to protect you and reduce your liability in the event of a loss.Under the Texas Alcohol and Beverage Code there is the "Safe Harbor" defense provides that actions of an employee shall not be attributable to an employer if:1.)The employer requires its employees to attend a commission-approved seller training program2.)The...more
A ubiquitous concern among architects who wish to start their own practice is "How much will my professional liability insurance cost?" Coverage costs vary by:State in which the practice is located,The limits of coverage purchased,Project types being designed, andThe experience loss history of the Architect applying for coverage.The cost of insurance also varies annually as the insurance market hardens or softens.What should an architect expect upon applying for PLI (professional liability insurance) for the first time? Professional liability insurance protects firms against claims and/or allegations of negligence, errors or omissions in delivery of professional services. In order for an insurance company to evaluate and price their risk in insuring a firm, they require completion of an application. The application captures information about business locale, annual revenue, the discipline and project mix of the firm, and the risk management protocols implemented to help minimize exposure to claims. They will also inquire regarding claims history.When in the process of starting a new firm, the underwriter will expect estimates of anticipated business. A solid business plan goes a...more
Creating an environment that inspires employees to attend to their job and do their work effectively is vital in any type of business today that is why the right piece of office furniture is important. If you own a business or are assigned to fill in and makeover an office space and are thinking about buying what you need online, here are 5 ways to...more
We all need insurance for lots of different reasons. Some forms of insurance are more common than others though. suppose if you drive you will need to get car insurance. Home insurance can cover the property itself and also the contents. You will need travel insurance should you ever go abroad on holiday and you may elect to get it when you are...more
Forensic AccountingForensic accounting is a rapidly growing area of accounting concerned with the detection and prevention of financial fraud and white-collar criminal activities. George A. Manning in his book "Financial Investigation and Forensic Accounting" defines Forensic Accounting as the science of gathering and presenting financial information in a form that will be accepted by a court of jurisprudence against perpetrators of economic crimes. The integration of accounting, auditing, and investigative skills yields the specialty known as Forensic Accounting which focuses very closely on detecting or preventing accounting fraud. "Forensic", according to the Webster's Dictionary means, "Belonging to, used in or suitable to courts of judicature or to public discussion and debate." The word accounting is defined as "a system of recording and summarizing business and financial transactions and analyzing, verifying, and recording the results." The term ‘forensic accounting' refers to financial fraud investigation which includes the analysis of accounting records to prove or disprove financial fraud and serving as an expert witness in Court to prove or...more
In 2004, a refinery in North America was struggling with pump reliability. The MTBR (mean time between repair) for pumps was stuck at 39 months, which was about the same level as the plant had achieved in 1996. In a dramatic turnaround, by the end of...more
Electrician Liability Insurance Are you an electrician contractor? Are you wondering whether or not you should buy liability insurance? The answer is absolutely yes. Liability insurance can give you the peace of mind you need and...more
Personal injuries happen in the office consistently throughout the United States. Many times, these injuries are not noticed until a severe pain settles into the neck or back, and by this time, treatment may have to be extensive in order for the...more
Tradesmen these days are studying a lot more and a lot more about a factor called Public Liability Insurance coverage as even though you don't have to have it by law several individuals will not enable you to undertake any function on or in...more
Why Do Companies Need To Have The Best Workers Compensation and Employers Liability Insurance Having a workers compensation and employers liability insurance is a necessary way to protect yourself as an employee if the job demands...more
Business liability is one of the important sectors of E & O insurance and it becomes quite essential to slash one's risks with the right policy formulation. This can only be done by choosing a professional insurance company and fortunately in...more
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