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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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Umbrella Insurance Protects You from More than Just Weather

Although you have probably heard of umbrella insurance, there’s a good chance you have no idea what it is. An umbrella policy is designed to protect you from almost everything that your homeowner’s and auto insurance policies do not, as well as fill in gaps in coverage when the...

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New Federal Law Protects Consumers from Inaccurate and Misused Credit Information

The U.S. Congress has responded to consumers’ fears of identity theft and complaints about the use and accuracy of credit reports as well as other consumer concerns by passing the “Fair and Accurate Credit Transactions Act of 2003.” Here’s a look at some of the areas covered by the...

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What Tort Reform Means to You

You’ve probably heard the term tort reform.  You may think it has something to do with the big jury awards you’ve heard about in the media.  You may even believe the reason we need tort reform is to limit the monetary damages Joe and Jane Citizen can collect when...

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Who Pays for Damages When Your Tree Falls on a Neighbor’s Property?

Trees are a wonderful addition to your home’s landscape, but they can also cause real problems if a heavy wind topples one, and it lands on your neighbor’s property and damages their home. Who is legally responsible for paying to repair that damage? If you answered, “I am,” you...

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Ensure Your Next Party Doesn’t Turn into a Liability

There’s nothing like the combination of good food and good friends. Whether it’s a potluck dinner for a few of the neighbors, or a wedding for 500 guests, these are events that make memories. However, those memories could easily turn into bad ones if one of your guests leaves...

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Be Proactive to Prevent Identity Theft

The prevalence and cost of identity theft appears to be growing. This insidious crime can have far-ranging and long-lasting consequences for its victims. Being aware of ways in which your identity can be stolen, and taking steps to prevent this event from happening, can save you time, money and...

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Act Quickly to Minimize Damage from Identity Theft

Identity thieves steal in countless ways from their victims. Victims may discover that identity thieves have made charges on or withdrawals from their accounts, opened new credit cards or taken out loans in their names, or even filed for bankruptcy using the stolen identity. Victims may find that their...

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Your Roommate Wrecks Your Car – Who Pays What?

If your roommate borrows your car and causes an accident, who pays what? If you both have auto insurance, your insurance will pay first and you’ll be responsible for your deductible. Your auto insurance policy insures your vehicle plus you, any relative, and anyone else using your car if...

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