Why You Need Liability Coverage From Your Insurance Company

January 16th, 2022 | Posted in Insurance, Uncategorized

Designed to cover professional practitioners against claims of negligence made by clients or patients, professional liability insurance goes by many names. When used in the medical profession, it is commonly called medical malpractice coverage. Notaries public also require this security, but they refer to it as errors and omissions insurance. Real estate brokers, management consultants, and even website developers are all eligible for protection.

What’s It For?

Insurance is used to protect people in case something unfortunate happens. Auto policies protect them in the event of an accident; medical policies protect them from unexpected illnesses; commercial policies protect them from a number of mishaps. If there is a fire, theft, or an accident on the job, the commercial variety will cover it.

Why You Need It

Few companies are fortunate enough to survive for a protracted period of time without getting sued by a client, customer, or employee. Liability coverage from an insurance company is the only shield most businesses have against litigious attorneys. This goes double when an employer competes in a risky industry like construction. Why?

A construction site is arguably the most dangerous working environment on earth. Not because people are careless, but because making something, anything, is risky. Workers fall down stairs; they trip on cords; they cut themselves. Builders must assume this risk and purchase the right amount of coverage from their insurance company to protect them from financial ruin. But that’s not all.

These policies not only shield the employer, but they also safeguard his workers. If an electrician falls off a ladder or a carpenter cuts himself, a liability policy will pay his medical bills. Commercial coverage will also cover most attorney fees and court costs if someone files a suit against you.

How Much Do You Need?

As you might expect, the size of the policy often depends on the size of the business. Most actuaries recommend at least one million dollars of professional liability coverage for small businesses. Large businesses and corporations obviously need a lot more and often carry huge policies. Because lawsuits are quite common in the medical profession, malpractice insurance is the most common form of liability coverage.

Most doctors have several million dollars of malpractice coverage at all times. When they work in a large practice, that figure might be five or even ten times as high. Lawyers and accountants must also carry liability because of the high rate of litigation in their fields. But what about everybody else?

Numerous Benefits

Any business that can be held financially responsible for failing to complete a project on time may need to purchase a professional liability policy from their insurance company. This includes general contractors, architects, builders, and many, many more. These policies also cover personal injury, breach of warranty, intellectual property, and security. In short, any company that has more than one employee should have liability coverage.

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Do Childcare Facilities Need Employment Practices Liability Insurance?

January 15th, 2022 | Posted in Insurance, Uncategorized

You’ve got a state-of-the-art child daycare built around a warm, clean and safe atmosphere. The teachers are handpicked professionals that give kids undivided attention, stimulation and fun learning. Children are happy. Staff is fulfilled. Parents are proud. What could go wrong?

Unfortunately, a lot of things – that your general business liability insurance does not cover.

Childcare Claim Examples that Really Occurred!

• Third Party Liability: After a Montessori School stated they could not admit a child due to licensed limited capacity, the parents sued for racial discrimination. The parents insisted that the school had a non-admission policy for African American children and mentioned the fact that the student body did not contain even one African American. Defense and Settlement costs totaled: $67,000.

• Internet / Email Liability: An administrative assistant for a childcare facility sent an email to all employees instead of her intended single recipient. The email contained an embarrassing inappropriate joke. The center’s director instructed the employee to send a subsequent apology email to everyone. Just 2 months later, an employee that was laid off due to company downsizing, sued because of a hostile work environment and cited the inappropriate email as proof of an atmosphere that did not respect her religious principles. The facility was discomfited and uninterested in having this lawsuit revealed to the parents.

• Retaliation: An Indian childcare employee objected to the racial insults directed at him by some of his fellow workers. As a result, the owner assigned him to another room where there was less of a staff presence. The new situation warranted less work-time and therefore his hours were reduced. The slighted employee sued the childcare center for discrimination and retaliation for relating the discrimination. Defense and Settlement costs totaled: $125,000.

• Wage and Hour: A Non-Exempt head teacher was covertly tracking hours as she worked the overtime that was requested of her. As a salaried worker, this teacher never mentioned any grievance about the additional workload. When the owner was served a wage-and-hour lawsuit by the teacher, he was caught by surprise. Although there was no way to discern if the teacher’s calculations regarding her work hours were precise, the center was guided by their lawyer to settle for the presented amount rather than take the risk of other present and past employees joining the lawsuit.

Employment Practices Liability Insurance

Employee-related claims come at a steep price. Protect your childcare center from a lawsuit with an EPLI plan that’s tailored to you.


An EPLI policy protects you against lawsuit claims made by current, past and possible employers, as well as visitors. It’s coverage for a wide range of suits that stem from:

1. Wrongful termination

2. Discrimination

3. Sexual harassment

4. Service refusal

5. Other employee claims

Visit http://www.primeins.com/ for the best coverage and quotes. Located in Lakewood, NJ, PRIME Insurance is affiliated with tens of the top insurance companies. Experienced and caring, with a reputation that bespeaks excellence, PRIME provides protective plans for the Tri-State area and beyond. Join the ranks of 10,000 plus satisfied customers today!

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Your Guide To Choosing The Best Travel Insurance

January 14th, 2022 | Posted in Insurance, Uncategorized

For many travellers, getting travel insurance is really a necessity especially for those who have had bad experiences. If you travel sporadically or are yet to have the pleasure, then it would serve you well to take the word of the veterans and get yourself covered. It is really a huge advantage for travellers to have travel insurance.

It’s understandable to be reluctant to think of things that could go wrong and just focus on the fun aspect of a trip, but the prudent thing to do is be prepared for any eventuality, especially if you’re going overseas. You have to understand that not all travel policies are the same. Before you go ahead and get insurance for your trip, it’s important to shop around to find something that meets your needs.

To be able to determine which one of your many options does this, you need to do your due diligence. The following are also some of the things you need to find out before making your choice.

First, you need to verify that you actually don’t have any coverage yet. You might be surprised to find out that it was unnecessary to purchase insurance as your bank already provided free basic coverage for its customers. Review the policies that already cover you and your possessions as they may include provisions for travel.

If you’re considering a particular policy, see if it covers all the basics. The best insurance for travel protects you in all the important areas, such as luggage, personal items, excess, medical, and cancellation. Any less than this and your insurance is really rather scant.

Additionally, it is important to make sure that your destination is covered. Did you know that there are areas that are usually not automatically included in the list of places covered by worldwide policies? In any case, if you’re travelling to one location, it should be easy to take out insurance that specifically covers it. Will you be hitting multiple locations or are you scheduled to make several trips in the year? If so, then you might be better off with an annual policy instead of a single trip one.

It will definitely save you some money to know these details. If you’re going for single trip policies, make sure you find out the period that the policy covers. Once you’re covered with a solid travel policy, you can head out with the assurance that you’re protected and can enjoy your travels and trips freely. To know more about this, click here.

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Go Pro: 7 Steps to Becoming a Network Marketing Professional, a Review

January 13th, 2022 | Posted in Book Review, Uncategorized

Eric Worre is a professional network marketing trainer who travels the world doing training events and coaching network marketers. Eric has been hugely successful with several companies. He is well-known for his Go Pro training videos on YouTube. Eric has a wealth of experience and he is an excellent communicator. The book is clear and concise.

In this book he goes more in-depth on telling his own story and how he worked through his struggles to become a professional network marketer and trainer. His story of struggle is one that most network marketers can relate to. He quickly identifies issues of rejection and discouragement that cause people to quit the business.

According to Eric in this business, what differentiates the professional from the amateur is the tendency for the amateur to give in to their discouragement and cease activity in their business when they don’t meet success quickly. The professional, on the other hand, realizes the need for training and learning new skills. They understand that starting in the business is not like winning a lottery ticket. The professional has an attitude of being teachable and is willing to make a plan to go the distance.

There was nothing new here regarding inviting skills. This is old information that Worre has published before. His method of being in a hurry is an old school tactic that can be a turn off to the prospect, who wants to know more about who you are and what you represent before they will say yes to taking a look.

It is not a comprehensive book as it does not treat at length various common issues such as handling objections or rejection that beset the individual. He says you must become indifferent to rejection and in a year you can become a professional, without revealing exactly how.

I found Mark Yarnell’s classic, Your First Year in Network Marketing more helpful because Yarnell calls it a numbers game, while Worre touches on this only briefly. In fact though, it is only by the experience of approaching many, many, many people that one becomes indifferent to rejection. And for the beginner those numbers may be way higher than the 250 that are in your warm market. Many give up before that point. Why not just say, this is a 3% business, even for a professional.

Nevertheless, Go Pro 7 Steps to Becoming a Network Marketing Professional is a worthwhile book for someone new to the NWM industry.

Deborah Gorman is an author, business mentor and life coach. To learn more, visit her blog at http://debgormanmentor.blogspot.com

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What Color Is Your Parachute?

January 12th, 2022 | Posted in Book Review, Uncategorized

If you are looking for a career change you will find reading the book What Color Is Your Parachute is a one stop guide to success. The reason I chose this book is because at age 47, I finally received my Bachelor’s Degree! What everyone needs to know in this new version of “What Color Is Your Parachute” is that to get a job in this era and in the future, the way to go about it is clearly written by the author. Bolles gives in chapter two some great advice including the reason why you need to Google your name. “Since 2008, or even before, there’s a new resume in town, and it’s called Google.” Everyone has a chance to join free social networks like LinkedIn, Twitter, Pinterest and others to create a great portfolio, business, reputation and resume. One big tip to do is research the job you are applying for! It helps to know about the company so that when the interview comes, you are prepared to answer questions about their organization.

I loved the flower diagram in the book as well as the many other templates where you can narrow down all that is needed to include in your personal profiles, portfolios, and the exercises that help you gain value to prospective employers. Chapter ten talks about making career changes with links and resources to help anyone make the transition. This is a great resource book to keep or give to a new graduate. I admire Bolles for his great expertise in the 100 best nonfiction books according to Time Magazine. So how do you get a job in a market with a slow economy that is currently taking place? Getting advice from authors, websites, friends, family or articles is a great resource but it’s better to reach out only to companies that fit your ideal career. Most important, prepare your resume to fit the job, with a cover letter and references. On a personal note I created a Weebly resume for my security career and it’s free! I wish to thank Blogging for Books for a free copy of this book in order to post an honest review.


Take some personality tests to find out what jobs would suit you best online.

Remember you are “interviewing” them as they are to you.

Never ever give up on your job hunting and it’s best to pursue a job that you have a passion for.

Jackie Paulson does professional book reviews for authors to help them by promoting through social networks like Amazon. In addition she has a Bachelor’s degree in Technical Business management and has owned an operated a barer shop in her past.

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