Public liability coverages generally defend against third-party allegations of your negligent action or non-action. That is, you or another insured are alleged to have committed a civil wrong or tort. Bodily injury liability (BI) and property damage liability (PD) coverages can be purchased with either split limits – a separate limit for BI and for PD, or a combined single… Read More »
CLAIM REMINDERS REPLANTS – RMA clarification – ‘Failure to obtain AIP consent to replant in advance of replanting will result in denial of the replant claim’ Exceptions may NOT be made even if the original stand remains intact because of inter-seeding, replanted alongside the original damaged rows, or left check strips at the insured’s discretion. The adjuster must give consent… Read More »
Author: Bob Walton, Walton Insurance Agency, Inc. – Since its invention in the 1930s by Blairstown, Iowa native George Nissen, the trampoline has proven to be one of the more dangerous sports devices ever invented. It has led to countless injuries, ranging from bruises and sprains to broken bones, paralysis and death. So say such… Read More »
Author & Copyright: National Association of Insurance Commissioners (NAIC) Why You Need Insurance “Homeowners insurance is an important purchase for many people. There are two major reasons to buy homeowners insurance: • To protect your assets Homeowners insurance covers the structure of your home and your personal property, as well as your personal legal responsibility… Read More »
“For federal employment tax purposes, the usual common law rules are applicable to determine whether a worker is an independent contractor or an employee. Under the common law, you must examine the relationship between the worker and the business. All evidence of the degree of control and independence in this relationship should be considered. The… Read More »