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Naturally Occurring Substances Can Expose Construction Firms to Environmental Liability

What do silica, mercury, arsenic, pyrite, and asbestos have in common? They all are recognized as toxic substances, or contain toxic substances as defined by the U.S. Environmental Protection Agency. Their very presence on a construction site presents a serious exposure for a construction contractor. There are potentially hazardous...

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National Council on Compensation Insurance Says Younger Workers Are More Accident Prone

According to a study conducted by the National Council on Compensation Insurance, younger workers have more injuries and illnesses than older workers; but older workers have higher costs per claim. The researchers discovered that age is an important factor in overall claim costs, but the significance of age on...

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Take Steps to Prevent Workplace Bias Claims Before They Happen

The Equal Employment Opportunity Commission recently reported that work-related bias complaints increased to 75,768 during 2006 compared with 75,428 the previous year. Discrimination complaints had previously risen to a seven-year high of 84,442 in 2002, but then steadily decreased from 2003 to 2005. The most frequent complaints have remained...

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The EEOC Strengthens Commitment to Filing Class Action Suits

In 2006, the Equal Employment Opportunity Commission changed its strategy when it announced plans to file more class action suits. This shift was predicated on the decrease in the number of private-sector discrimination-related class action suits and increase in wage-hour class actions. As a result of this decline in...

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Ten Tips for Avoiding Legal Malpractice

Statistics show that in any given year, a minimum of five to six insured lawyers out of every 100 in private practice experience a malpractice claim, according to the Colorado Bar Association. In other words, a firm with 20 lawyers could be the recipient of a claim every year....

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A Well-Designed Affirmative Action Plan Can Help You Avoid Discrimination Lawsuits

In an article titled Litigation Explosion, which appeared in the December 10, 2006 edition of the Arizona Daily Star, author Becky Pallack discusses a University of Arizona study that says employee lawsuits are on the rise: “The researchers analyzed data from the U.S. Equal Employment Opportunity Commission and found...

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Know Your Commercial General Liability Insurance Limits

A commercial general liability policy (CGL) lists six different limits on the policy’s declarations page. While the limits may be listed separately, it’s important to understand that they are all interrelated. That means that payment of damages for one limit will affect another limit. To illustrate how these limits...

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Longevity Is Key When It Comes to Lawyer’s Professional Liability Claims

Retirement usually means not only leaving your job, but everything associated with that job. However, when a lawyer retires, this isn’t necessarily the case. Whether they are no longer practicing law, or starting an entirely new career, lawyers may find themselves haunted by liability claims arising from their past...

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Do Your Employees Drive Personal Vehicles for Business-Related Purposes?

If an accident occurs while an employee or volunteer is operating their personal vehicle for company business, your company could be held liable.  Even when an employee is just running an errand, such as making a bank deposit, dropping off a proposal or picking up a part, if an...

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Six Reasons Your Home-Based Business Needs a Small Business Policy

Like most new home-based business owners, you believe your homeowner or renter’s insurance coverage offers sufficient protection.  That is unfortunate, because in most instances these policies offer little to no coverage for business-related losses. Homeowner’s policies are not designed to cover business losses.  Most offer a small amount of...

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Duke Study Says Obese Workers File More Worker Compensation Claims

A Duke University Medical Center study revealed that obese workers filed twice the number of workers’ compensation claims as non-obese workers. In addition the over-weight workers had 7 times higher medical costs from those claims and lost 13 times more days of work from work injury or work illness...

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CERCLA Rights to Sue for Clean Up Costs Reinstated

In the case of United States v. Atlantic Research Corporation, the Supreme Court ruled that potentially responsible parties (PRPs) that voluntarily clean up contaminated sites may sue other PRPs to recover their cleanup costs under section 107 of the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA). The reinstatement...

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Certificates of Insurance – A Prudent Means to Avoid Costly Claims

More and more companies are hiring independent contractors to handle not only administrative matters, such as benefits and human resources, but also sales and distribution. With this delegation of authority to third-party suppliers comes less direct control over these operations, and greater becomes the need for clients to demand...

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State Minimum Auto Liability Coverage is Inadequate

Sure, you’re a responsible driver. But is your state-minimum, bare bones auto insurance coverage really sufficient to cover your risks? Yes, every state imposes a minimum on liability insurance coverage. This coverage not only protects you against having creditors forcibly seize your assets and land you in bankruptcy court;...

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Self-Insuring Workers’ Compensation Plans May Produce Premium Savings

Joining a workers’ compensation group self-insurance program may be a significant means for small and mid-sized employers to reduce operating costs. Such plans deliver savings by providing employers with considerable control over losses, medical care and rehabilitation, plus improving cash flow. While some companies self-insure workers’ compensation programs individually,...

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Coping with Dog Bite Liability

You would have had to live underground with no radio, no TV, no phone, no Internet and no visitors for a couple of years not to know about the high-profile dog-bite trial in California.  A young woman was mauled and bitten to death by a dog bred for fighting. ...

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Beyond Excess Policies

Most people have heard of an umbrella policy, or an excess policy as it is sometimes called. If you have high enough limits on your car and home insurance, it is likely that you can protect yourself from any extraordinary liability claims with such a policy for just a...

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Accident Without Injuries Etiquette

Your teenage daughter misjudges the space when she goes around a turning vehicle, and just taps the car’s right rear bumper.  The other driver, an older woman, appears unhurt. She says, It’s Easter time, and I’m fine.  Let’s just forget about it.  You were riding with your daughter and...

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Interview with Fowler & Associates

Local Website www.BayAreaForSale.com <http://www.BayAreaForSale.com> interview with Fowler & Associates Owner Justin Fowler   Many people have questions about homeowners insurance, we focused this article on the most basic questions that people ask about home insurance. For individual questions, please contact us. Additionally, if you have specific home insurance topics...

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Strangers on Your Property and Attractive Nuisances: What’s Your Liability Exposure?

Strangers may come onto your property for all sorts of reasons:  a child chasing a ball that accidentally landed in your yard; a meter reader; customers for a yard sale, etc.  What’s your liability exposure, and does your homeowner’s insurance policy provide the coverage you need? There is normally...

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Why You Need an Umbrella Policy?

Do you have enough liability insurance?  If there were a vehicle accident for which you were at fault, and a child were permanently disabled, would your auto liability policy offer enough coverage to pay for the skilled care the child would need for years to come?  If a young...

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Let an Umbrella Policy Be Your Safety Net

There comes a certain point in your life when you can look back with a sense of pride at what you have been able to accomplish. Your hard work has paid off and you now are the proud owner of a nice house, a great vacation home, a luxury...

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Sobering Statistics About Cell Phone Use While Driving

What’s the truth about using cell phones while driving?  Are they merely, as some claim, another unavoidable distraction, like talking to other passengers, eating, or changing the tape or CD?  Or are they far more deadly, and costly to drivers and insurance companies alike?  If they are more deadly,...

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Safety First? Aye Captain!

Whether you are in Maine or Minnesota, San Diego or Sandy Hook – if it’s summer, it’s boating season.  Not to rain on your nautical parade, but before setting sail, revving up the engine, or manning the oars as the case may be, think about these few safety tips...

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Umbrellas Are Not Just for Rainy Days Anymore

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. Consider that lawsuits happen every day and if you were sued, would you have enough money to cover your attorney’s fees and possible judgments? Most homeowner’s...

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