Recruiting talent involves building relationships with experienced professionals. While most demonstrate the trust you place in them, unexpected incidents can and do happen. Your insurance package should include abusive acts liability to protect your firm against major financial losses. This short guide explains what you should know about this coverage.

What Abusive Acts Liability Covers

Staffing abusive acts coverage handles a wide range of issues. These include allegations of misconduct and resulting damages from such third-party claims:

  • Illness and disease
  • Physical injury
  • Mental/emotional trauma
  • Shock or fright
  •  Death

Typical expenses paid by abusive acts policies include investigations, counseling and public relations. While these policies cover third-party allegations of sexual misconduct, they aren’t limited to these types of claims. To apply for coverage, you’ll be asked for several documents such as your employee handbook and client service agreements.

Choosing Your Coverage

Understanding risk is essential for any company that provides services, especially to vulnerable groups of people. These typically include childcare providers, skilled nursing facilities, houses of worship, sports teams and other nonprofit groups. However, any organization may be impacted by abusive acts claims. Staffing firms’ abusive acts liability specifically applies to companies sending employees or contractors to work at clients’ sites. For best results, work with an insurer specializing in this type of coverage

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As a business owner, you know liability insurance is a must-have. But what type of adult entertainment liability insurance should you get? Here are some of the different types of coverage available.

Liquor Liability Coverage

This liability insurance covers you if someone is injured or property is damaged due to liquor served on your premises. For example, if a customer gets into a fight after drinking at your bar, this coverage would pay for their medical bills and any legal fees you incur. 

General Liability Coverage

This policy helps with variety of risks, including property damage, personal injury, and business interruption. For example, if a fire in your store damages the neighboring business, this coverage would pay for the repairs. 

Product Liability Coverage

This coverage protects you if your product causes injury or property damage. For example, if you sell adult toys and someone is injured by one of them, this coverage would cover medical and legal expenses. 

Property Damage Coverage

This policy covers you if your property causes damage to someone else’s property. For example, if a fire in your store damages the neighboring business, this coverage would pay for the repairs.

No matter what type of adult entertainment business you own, it’s important to have liability insurance. The types of coverage listed above are a good place to start, but it’s best to speak with an insurance agent to find the right policy for your business. 

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After centuries, folks are still trying to better understand how best to navigate the maritime world and how best to protect those people and vessels that exist therein. The marine industry is rife with challenging situations and the right insurance can help protect against risk. The risks in the marine industry range from technical issues to natural disasters to cyber threats.

What Are Current Risks in the Marine Industry?

Aging fleets are a risk because while their elements are aging, they are still responsible for enduring the oceans’ aggressions while carrying major tonnage. The expense of upgrading to new vessels or committing to the myriad repairs necessary to improve production is great, meaning that the same work will need to be accomplished with tired vessels.

Dangerous weather, like hurricanes, will always be a maritime threat. Whether it’s a yacht sailing for pleasure or a cargo ship trying to deliver product, the impact of weather on delays and destruction to vessels cannot be overstated.

Autonomous vessels still have bugs to be ironed out. Though they have the potential to revolutionize the shipping industry, they are currently subject to cyberattacks and malfunctioning equipment.

Risks in the marine industry will always exist. Though the specifics might a little change over time, there will always be a need to protect those entities that exist on the water. 

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A home on the water is the perfect retreat for many people. The sound of rushing water or lapping waves can create a sense of peace. However, these beautiful homes are sometimes at the mercy of the environment. To keep your home for years to come, it’s important to understand insurance for waterfront homes.

Threats Waterfront Homes Face

One of the biggest selling points of your waterfront home is also one of the biggest threats: the water. Living near a lake or river puts your property at risk when the water rises above its banks and floods the area. Homes near the ocean also face major storms like hurricanes and nor’easters. Also, salt water can damage the finish of a house.

How Insurance Will Help

To protect and address these kinds of issues, you’ll want to have an insurance policy for your waterfront home in place as soon as you can. Many basic homeowners insurance policies don’t cover flood damage, leaving you with a potential bill. And if you rent out your home, you’ll want a policy that covers lost income in case of damage.

Taking the time to get the right insurance is the best way to protect your investment on the water.

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Today’s consumers depend on search results to make the majority of their buying decisions. Here’s how local SEO for insurance can have a positive impact on your business.

What Is Local SEO?

Search engine optimization (SEO) is a process that businesses use to increase the chances that a potential customer will find their products, services, and websites while searching online, usually through Google. When someone performs a search using a geographic location or term, that’s when local SEO comes into play. If Google knows where your business is located, you will see your insurance agency appear in the search results. 

What Can Local SEO Do for Insurance Agencies?

Local SEO helps your customers find you, which means more potential leads and, ultimately, more sales. Whether you have a physical location or you provide insurance for customers in a specific area, you need to prioritize local SEO. You can try the following: 

  • Keep your address and contact info up to date and consistent
  • Create locally-focused content for your website 
  • Claim your business on digital directories like Google, Bing, and Yelp

Your customers use search engines to find what they need, and they rarely stray past the first page. By leveraging local SEO for insurance, you can ensure your business makes the cut. 

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You’re probably familiar with the saying, “An ounce of prevention is worth a pound of cure.” It’s a wise adage that rings especially true in the transportation industry. But what happens when prevention isn’t enough? What do you do when faced with nuclear verdicts?

A nuclear verdict is a term used to describe a personal injury or wrongful death award that exceeds $1 million. They’re rare, but they do happen. And when they do, they can have a devastating effect on a transportation company’s bottom line. 

Understanding the Risks

So, what can you do to protect your transportation company? The first step is to understand the risks. Once you know what you’re up against, you can take steps to mitigate the risk. 

Protecting Your Business

One way to do this is to purchase adequate insurance coverage. This will ensure that you have the financial resources to defend yourself in court and pay any judgments or settlements that may be awarded against you.

Implementing Safety Protocols

Another way to protect your company is to implement safety protocols and procedures designed to prevent accidents from happening in the first place. By taking proactive steps to make your operation safer, you can reduce the likelihood that you’ll be faced with a nuclear verdict.

Nuclear verdicts can have a devastating effect on a transportation company’s bottom line. By taking steps to protect your company, you can help ensure that your business can weather any legal storms that may come your way. 

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Most of the time, your regular property insurance includes protection against natural disasters. There are a few instances, however, where you need a separate insurance policy because of exclusions common in the market for standard property insurance. Flood coverage in areas that are affected by seasonal flooding is one example, and earthquake insurance is another. When shopping for a policy, it’s important to consider questions like whether or not you foresee yourself having the financial resources to cope with a deductible after a disaster, because you have options when it comes to earthquake insurance.

Skip the Deductible

For many people and businesses, having to pay a deductible in the wake of a disaster would be a burden. Luckily, you can find no deductible earthquake insurance quite easily if you know how to shop for it. Not every provider has a zero deductible policy option, but there are a few ways to make sure it is on the menu.

  1. Look for longstanding players in the industry who offer a range of options to customize your policy
  2. Check out the experience of their agents and representatives
  3. Look for additional resources on disaster planning and safety
  4. Ask directly about a no deductible option

If you do the work to figure out whether you can get a zero deductible policy quickly, it’s easier to tell whether you want to get a full quote.

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Your dog may be your best friend and loyal companion. But an unexpected reaction could cause her to bite someone. If this happens, you need to respond appropriately. 

Remove the Dog From the Situation

If your dog bites someone else, take steps to protect the victim and other potential victims. Keep your dog inside the house, in a crate, or in the garage. You’ll also want to help the victim with medical treatment. 

Exchange Information

You’ll want to know what do if your dog bites someone. Next, give the victim and his or her family your contact info as soon after the bite as possible. You should get the victim’s contact information too. 

Call the Authorities

After you trade contact information, call the authorities. Give details of the incident, including where and when the bite occurred. Talk about how serious the bite is and what led to it. 

Collect Information

You should then get together any vaccination information you have about your dog. Any other medical history about your dog would be helpful. 

Discuss the Next Steps with an Attorney

Victims and families may press charges for the bite. The penalties can vary by state, but you should be prepared with legal counsel. 

Knowing what to do if your dog bites someone is important. Follow these tips to get the best outcome possible.

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When you sign an apartment lease, chances are you expect to stay for the duration. Unforeseen events can occur, however, that require you to move earlier than planned. If you must break your lease it can be expensive, so it’s critical to know your options before signing anything. 

Read Your Lease Agreement Carefully

Before signing, read through the agreement. Be mindful of these issues:

  • Does the agreement address early termination?
  • What are the penalties for breaking a lease?
  • Will your security deposit be forfeited?
  • Are you able to sublet?

Talk With Your Landlord

Maintain good communication with your landlord throughout your stay. If you need to break your lease, be honest about the situation. Explain the decision and let them know it is out of your control. 

Even if you must forfeit your deposit, giving plenty of notice before you vacate will help. This allows your landlord more time to find a new renter, which could make the difference between paying additional penalties or not. 

If there is a clause in your agreement for subletting the apartment, make work of finding a replacement as soon as possible.

Breaking your lease agreement doesn’t have to be an expensive and stressful situation if understand your options and keep the line of communication open with your landlord.

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Every year, the Commercial Vehicle Safety Alliance holds a three-day International Roadcheck Event. Certified inspectors ensure the safety of thousands of trucks and drivers, averaging 15 inspections every minute.

What Is the Purpose of the CSVA International Roadcheck Event?

The CSVA partners with the FMCSA, the Ministry of Communications and Transportation of Mexico, the Canadian Council of Motor Transport Administrators, and Transport Canada to stage this event.  They leverage this weekend to educate the industry and the public regarding the importance of commercial vehicle safety and the roadside inspection program.

What Do Inspections Involve?

During the Roadcheck Event, the Commerical Vehicle Safety Alliance coordinates inspections around the country, the most rigorous being a Level I inspection. This involves reviewing pertinent paperwork, thoroughly checking the vehicle for safety violations and ensuring the driver is alcohol & drug-free.

What Are the Penalties for Violations?

Minor violations get a verbal warning, and will not cause a vehicle to fail an inspection. Critical violations could trigger repair requirements and follow-up inspections. The worst violations, called out-of-service violations, can cause the inspector to declare the vehicle out-of-service and it will not be allowed to continue on its way.

The CVSA works hard to keep commercial vehicles and drivers in top shape and to keep our roadways safe. The CVSA International Raodcheck Event is a wonderful opportunity to share its mission with the world.

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