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Commercial liability insurance consists of both Public Liability as well as product Liability. The Commercial General Liability Policy insures against exposures which results from business operations. Commercial insurance also offers supplementary advantages in addition to normal policy facilities. CGL has a wider base of offering services which provide complete cover for injury to body, damage of property, injury to self and advertisement and payment of medical bills. This kind of insurance guarantee is important since commercial organizations run the risk of incurring more liability losses. Liability loss implies that a person has to pay because there is a legal claim against him for causing injury to others or damage to another person's property by his unfair act. Such acts may occur if there is a common law or statues or contracts. These are the foundations for imposing commercial liability. Liability insurance does not hold well under the following conditions: product recall...

Some companies offer home healthcare services that provide help to seniors who wish to live independently for as long as possible. They provide a wide range of services to those not suffering from a major medical condition and can often delay the need for long-term nursing home care. The people who provide home health care are often licensed practical nurses and other trained professionals working for hospitals, home health agencies, or public health departments that are licensed by the state. The services may include occupational and physical therapy, speech therapy, and even skilled nursing. Providers often help the elderly with activities of daily living such as eating, bathing, and dressing as well as assisting with cooking, cleaning, and monitoring the use of prescription medications. But these programs are more medically oriented than a basic home care service as they usually involve helping seniors who are recovering from an illness or injury. Making sure that quality care is...

Marketing is essential for any insurance agency business in generating sales leads. Effective marketing captures the attention of people looking for a particular product or service and informs them of why the one sold by this company is better than the competitor's. The idea behind any marketing strategy is to make a profit, so it is wise to consider the return on investment (ROI) before spending money on advertising and marketing. If done properly, marketing will produce the anticipated results, which will generate more money than what was originally spent. However, a bad or poorly executed marketing plan could have a disastrous effect. Here are some tips for getting the most ROI out of an online insurance marketing budget to generate insurance sales leads. Doing sufficient research is essential Research is needed for two very important reasons. First, one must know and understand their target market in order to reach them effectively. The primary benefit of the Internet is th...

When it comes to dealing with insurance, you'll often times see a variety of plans and packages that you can choose from. Not all of them are going to be beneficial to your overall needs, but some may be quite good. One option that many people find favorable is that of liability. This type of coverage offers protection against lawsuits and issues that can arise as a result of being responsible for an accident or negligent in a case. If someone sues you this policy can protect you from a variety of issues. When dealing with the option to get any sort of policy it becomes important to look into general liability insurance basics before you move forward. First and foremost, it's imperative that you speak with an agent and several companies before you sign for any sort of policy. If you do not, you will end up dealing with a variety of issues that you may not be ready for financially. Ask several questions about the coverage, the cost of the policy, and the deductible that you ma...

Retailers are relying more and more on electronic transactions with their customers at the point of sale. Debit cards and credit cards have taken the place of cash in many consumers' wallets. The Payment Card Industry Data Security Standard (PCI-DSS) has been created to ensure that retailers comply with security standards. In a not unusual case, according to AIG Cyberedge, one pizzeria was discovered to be the common point of purchase for cardholders who had experienced fraudulent credit-card activity. Upon investigation, it was determined that the pizzeria was not in compliance with PCI-DSS. It was mandated to validate compliance and the insurer provided a forensic auditor to help the credit card processor confirm and assess the merchant's compliance. The processor was reimbursed for the audit and fines assessed by the credit card companies by the insurer. This is an example of when an insurer does step in to cover costs. However, as will be discussed in a subsequent articl...

In the general democratic atmosphere of freedom of speech, it certainly seems like a day doesn't go by without the media bringing something new to the forefront. For professional newspapers and the like, it is tempting to print arousing points of interest about well-known figures. After all, readership and sales usually skyrocket when there's hot news. Nonetheless, circulated stories about public figures and celebrities bring with them the potential for personal and financial harm. And when a reputation is at stake, you can be sure there will be the figurative fireworks that are evoked. Whether contested authenticity of facts are referred to as slander, libel or defamation there is no difference. Related lawsuits and connected liability insurance claims abound among the most famous. Now, when it comes to the matter of defamation and an accompanying lawsuit, a typical individual that files must prove the following about what he or she determines to be a flat-out falsehood. Th...