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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...

While a condo association may have a related business insurance policy for liability, property as well as directors' and officers' coverage, there is a glaring risk that many big and small associations might ignore - until the damages and losses present themselves. What I am referring to is crime insurance. This type of coverage is essential because of the following general reasons: • The typical small business incurs $120,000 losses annually in relation to employee stealing. • On the whole, a fraud incident can go on for one or two years before being noticed. • Ordinary property manager insurance does not cover losses that are due to Association theft incurred by an officer or employee. • A community association must comply with governing documents that generally require coverage for all homeowners. Okay, you say. Crime Insurance is a good thing if you are required to get it and if you actually experience an in-house theft, but is it really so terrible to be without it ...

If you are planning the band wagon of car service drivers that work part-time through a company app, congratulations! You will be taking advantage of making money during your spare time by using your personal car! Of late, the concept for both drivers and passengers has become exceedingly popular. As long as you have the qualifications and a usable car available, this is extra income that you make when you want to. For those that opt for this form of passenger service, the convenience, reliability and low prices are the unique characteristics that make it a winning pick. For the driver, though, there is more than what meets the eye. Though everything for ease of operation seems to be set in place - ready car, ready auto insurance, spare time and opportunity to earn supplementary income - there are hidden hitches. If you have personal auto insurance while driving for a living, you may not get the benefits of coverage for one logical reason: you may need commercial auto insurance. In...

Tax preparers face extraordinary exposure to liability risk. With last year's tax return deadline slowly inching forward, anyone involved in arranging business and individual tax documents for the Internal Revenue Service is bogged down with information and related tasks. All of this can certainly lead to human error - and the liability penalties for clients that unfortunately can become part and parcel of the mishaps. Accounting firms, accountants and bookkeepers, therefore would do well to invest in a quality Professional Liability insurance policy that protects from negligence while giving them the wonderful peace of mind that is necessary to carry on general operations with ease. Experienced agents and brokers can help the tax preparer get the necessary commercial coverage. Any agency, in fact, that has a direct relationship with the top companies can sift through offered policies to come up with a tailored plan at a competitively low quote. Insurance Claims that Tax Prepar...

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...