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. – Public Liability Insurance : Protects against claims made by third parties for injuries or damages occurring on your office premises. It covers compensation claims from employees in case of workplace injuries or illnesses. – Employer’s Liability Insurance : Required by law if you employ staff.
815 (BIA 2024) (1) A conviction for an attempt to commit a crime may constitute a crime of child abuse, child neglect, or child abandonment under section 237(a)(2)(E)(i) of the Immigration and Nationality Act, 8 U.S.C. § 2) The respondent’s conviction for attempted injury to a child under sections 15.01(a) a) and 22.04(a)(1)
Slip-and-fall incidents: High foot traffic in dining areas and restrooms increases the risk of customer or employee injuries, which can lead to costly liability claims. General liability insurance: Coverage for legal claims related to customer injuries or property damage.
For example, a resident suffered severe injuries a fractured tibia and fibula after slipping on black ice while walking to her car. Crime insurance : Protects against financial losses caused by theft, burglary, or employee dishonesty, covering stolen money, securities, or property. We offer coverage up to a limit of $1 million.
Crime insurance: Covers financial losses from theft or vandalism. Broad risk coverage: Protects landlords from tenant injuries, property damage claims, and other liability concerns beyond standard policies. Hired and non-owned auto insurance: Liability coverage for vehicles used in property management.
General liability: Protects against tenant or visitor injuries, legal claims, and medical expenses. Crime insurance: Safeguards against theft, fraud, and vandalism. Loss of rental income: Replaces rental income if a covered event makes the property uninhabitable. Umbrella insurance : Extends liability limits for landlords.
Renting out a property comes with many potential risks—damage caused by tenants, legal liability for injuries that happen on the property, or loss of rental income due to unexpected events like a fire or flood. This would cover you for example, when a tenant may hold you liable for an injury which was caused within / by your property.
It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. – Liability Insurance: Covers your business in case of lawsuits due to injuries or damages caused as a result of business operations.
These include: Damage done intentionally to a covered item Injuries to employees working on the project Costs related to manufacturing defects Damages related to terrorism, nuclear attacks, or military actions Other policies should offer coverage for some of these risks. Our Builder’s Risk program does not cover some specific risks.
In these cases, a worker may intentionally fake an injury (claimant fraud) or a business owner may misrepresent their employee headcount or incorrectly classify employees to obtain lower insurance premiums. Claimant fraud and premium fraud are two of the most well-known types of workers compensation fraud.
HOA insurance typically includes coverage for property damages, crime, and liability suits to common areas like: Rec rooms Pools Clubhouses Walkways Stairways Tennis courts Here’s a breakdown of the core coverages an HOA needs. Specifically, a GL policy provides coverage in the event of an injury or accident in common HOA areas.
If it fails in this duty of care , it could be held legally liable for any injury to that person (or damage to their property), resulting in costs and damages being awarded against it. Location : Geographic location impacts risk assessment for natural disasters, crime rates, and other hazards.
It also includes auto liability coverage for costs related to property damage or injuries caused by a crash. Slips and Falls Swimming pools and spas are a major selling point for hotels, but theyre also hotspots for accidents, injuries, and lawsuits. Crimes like this dont just impact individuals.
If no benefits are being paid on account of an injury, counsel for the injured worker should name the PEO or employee leasing company, the special employer and its insurer, and any servicing agent of the PEO and their insurer as parties because there is joint and several liability between the general and special employers.
Basic coverage usually includes reimbursement for trip cancellation, interruption and delay because of illness, bad weather, baggage loss or delay, medical insurance and medical evacuation (in case of illness or injury during travel) and a 24-hour assistance telephone line. Additionally, the U.S.
In other lines of business, as inflation continues to rise and products become harder to get, we can expect to see increased crime activity, with higher value attributed to stolen goods due to shortages and inflation encouraging more employee theft.
Under Ohio premises liability law , property owners are frequently held liable for injuries sustained on their properties, making liability coverage crucial. Liability protection: Covers injuries to tenants or visitors, with limits of $1M per occurrence and $2M aggregate.
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