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Top Five Mistakes Drivers Make

For many drivers, getting behind the wheel is second nature, so it’s easy to make errors without realizing it. However, these errors can lead to serious accidents. Keep yourself and others safe on the road by avoiding these mistakes: 1. Tailgating Leave a three-second cushion between you and the vehicle in front of you. Leave even more time when road conditions are bad or when you’re travelling at higher speeds. 2. Stopping Instead of Yielding Accidents can happen when drivers stop at a yield sign. “Yield” simply means to slow down and let the traffic on the road you are… Read More »Top Five Mistakes Drivers Make

Workers Comp Fraud With Check Cashing Firms

Florida officials, law enforcement officers and trade groups are working to stop check cashing companies from aiding workers’ compensation fraud in the construction industry. Officials are to investigate the role of check cashing companies in order to develop a legislative recommendations for the next year sessions. According to the officials, schemes involve individuals who set up fake companies that apply for a workers comp. policy. Subcontractors then pay the shell company to use the policy and obtain a certificate of insurance to show general contractors they have insurance. Once the job is completed, the general contractor then writes a check to… Read More »Workers Comp Fraud With Check Cashing Firms

Are Riots Covered on my Business Insurance Policy?

As businesses in England begin to seek insurance coverage for revenue lost as a result of recent rioting, business owners and executives elsewhere might wonder how their business interruption coverage would respond to a sudden outbreak of a riot. Most admitted insurance companies do offer business interruption coverage built into their commercial property policies that would respond to riot-related losses. Beyond income lost as a result of direct property damage, commercial property insurance also covers income lost due to restricted access to the property. In some cases, the coverage will pay employee wages in the event of a business interruption.… Read More »Are Riots Covered on my Business Insurance Policy?

Employment Benefits Become Less Affordable

Almost all employers admitt their employees need help in making benefits decisions and education to make changes in their benefits programs according to a survey taken at the recent Society for Human Resource Management conference. The survey, conducted by Colonial Insurance Company, also found that a little over half employers plan to increase employees’ share of health insurance premiums, while nearly half are increasing deductibles and co-payments in response to the rising cost of health care.

Love your neighbor, Help your neighbor

State Farm and consumer research firm Harris Interactive surveyed more than 17,000 people about the state of American neighbors and found that 83% are willing to help a neighbor having financial problems. Every second person said that neighbors affect his or her happiness! Here is a brief summary of our staff advise on how to get closer with your neighbor and develop human mutual aid companionship: – Do your best to know at least a fair amount of your neighbors by name – If needed help a neighbor look for a job – If needed cook meals for neighbors –… Read More »Love your neighbor, Help your neighbor

Cyber Liability and Data Breaches

Cyber liability plaintiffs are experiencing more success in the courts, significantly increasing potential costs for companies that have experienced data breaches. Increasing legislation and regulation related to data breaches at both the state and federal levels is contributing to plaintiffs’ success. The average cost of a data breach was $2.4 million in a recent survey of approximately 80 data breach claims. Hackers are the most frequent cause of data breach losses, responsible in 32% of the claims studied, Mr. Greisiger said, followed by rogue employees or contractors in 19% of the claims. Health care was the sector most often at… Read More »Cyber Liability and Data Breaches

New Florida Discovery Rules

How many good news from Florida have we seen lately, particularly in the area of bad faith litigation. Not too many… However, the Florida Supreme Court has declared that the liberal rules that it adopted a few years ago requiring disclosure of work product in first party bad faith cases does not apply with respect to attorney-client privileged communications. In connection with evaluating the obligation to process claims in good faith under Section 624.155, all materials, including documents, memoranda, and letters, contained in the underlying claim and related litigation file material that was created up to and including the date… Read More »New Florida Discovery Rules

Directors and Officers Policies are on a Rise

More companies with international operations are buying local insurance to cover the risk of lawsuits against their company managers, according to a survey released Tuesday by Towers Watson & Co. Towers Watson surveyed 496 organizations that obtain directors and officers liability insurance. Out of the 53% that said their companies have international operations, 47% said they bought a local policy in a foreign jurisdiction. That compares with only 2% of respondents with international operations that did so in 2008, the last time the survey was conducted. The survey found that as a rule, the larger the company, the more likely… Read More »Directors and Officers Policies are on a Rise

Fatality Rate Lowest in New York

Have you been to NY? I’ve been to New York many times. And it’s no surprise that new statistics find that New York City’s traffic fatality rate amongst the lowest in the nation.  New York’s traffic jams are so bad, there is no way one die out of a collision at 3 miles per hour speed rate, even if one is  a pedestrian. According to The New York Times, during last two years New York City had the lowest numbers of traffic deaths since the local authorities began keeping records about a century ago. The city recorded 269 traffic deaths… Read More »Fatality Rate Lowest in New York