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 that vendors provide them with timely Certificates of Insurance (COI). The COI proves that the insured (the third party) has purchased the insurance coverages as required by the outsourcing client. But, the COI also states that the holder of the certificate has no legal right to be covered by the insurance described in the COI, nor does it amend, extend or alter the represented coverage. The COI only shows that the outside contractor has the insurance coverage as explained on the certificate. This protects the business that has contracted with the third party against liability for negligence caused by the independent contractor up to the limits of the policy. It is the responsibili ...
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Parents Shape Teens into Responsible Drivers

Besides graduation day, the day a teenager gets their driver's license is one of the most important days of their lives. It's something they've looked forward to for years, that feeling of freedom once they hit the open road. Unfortunately, parents don't always share the same vision. As your child begins to get behind the wheel, there are some things you can do as a parent to help maintain your child's safety, and your sanity. Kids learn from the examples they are given, which means that children can pick up on their parents' bad driving habits. On the other hand, if you come to a complete stop at stop signs and consistently wear your seat belt, there's a good chance your child will follow suit. Safe and responsible driving is just another thing parents pass down to their children. Department of Education statistics show that students perform better in school when their parents are involved in their education. This holds true for driver's education, as well. Parents who understand the process of getting you ...
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Choosing a Home Improvement Contractor with Confidence

Whether you're looking to do to some major remodeling or if your home just needs some basic repairs, deciding on a contractor for your home improvement project can be difficult. It's certainly not a decision you should make in haste. Most homeowner's insurance policies include four basic types of coverage: * Repairs to the home because of damage caused by specified disasters * Replacement of items lost due to theft or damaged by specified disasters * Liability coverage * The cost of temporary housing in the event that a specified disaster causes significant damage to the house While all these protections are equally important in the long run, when it comes to home improvements, your liability coverage will take the forefront. This form of protection will insure you against any injury claims made by uninsured workers, as well as property damaged during the project. Liability protection will also pay for the cost of your legal defense in any related court cases and will cover any money awarded to injured ...
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Workers' Comp Claims for Mental Illness May Be Difficult to Diagnose, But Are Real in Today's Workplace

When one thinks of workers' compensation, images of workplace accidents and occupational diseases come to mind. Though the vast majority of workers' compensation cases do involve claims for physical injuries and conditions, a small-but potentially growing-portion of workers' compensation cases are based on mental or psychological claims, particularly related to stress experienced on the job. Mental workers' compensation cases fall into one of three categories: physical/mental, mental/physical, or mental/mental. A physical/mental claim involves a workplace physical injury that has progressed to a mental condition or disability; an example would be a back injury that lingers, and that results in the worker lapsing into clinical depression. A mental/physical claim involves a psychological condition arising out of the worker's employment that has caused a physical illness; an example would be workplace-induced stress that causes ulcers. A mental/mental claim involves a psychological occurrence in the course of e ...
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Have You Tested Your Home's Fire Alarms Lately?

A recent study from the National Fire Protection Agency, or NFPA, found that around 95% of U.S. homes have one or more smoke alarms installed throughout the house. Unfortunately, that same study revealed that the number of homes with nonfunctioning smoke alarms vastly outnumbered the amount of homes with no alarms at all. This shows that many homes are relying on broken and battery-less alarms to save their lives in the event of a fire. By following the advice of experts and maintaining a testing schedule, you can make sure your alarms will be ready when you need them the most. Fire safety begins with purchasing the right type of smoke alarm, as dictated by your building code’s power requirements. The common types that are required vary from standard battery-operated alarms to ones that are wired into the home’s electricity. For individuals who have difficulty hearing, smoke alarms with flashing lights and devices called “bed shakers” are used along with audible alarms. Always purchas ...
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Workers' Comp Claims for Mental Illness May Be Difficult to Diagnose, But Are Real in Today's Workplace

When one thinks of workers' compensation, images of workplace accidents and occupational diseases come to mind. Though the vast majority of workers' compensation cases do involve claims for physical injuries and conditions, a small-but potentially growing-portion of workers' compensation cases are based on mental or psychological claims, particularly related to stress experienced on the job. Mental workers' compensation cases fall into one of three categories: physical/mental, mental/physical, or mental/mental. A physical/mental claim involves a workplace physical injury that has progressed to a mental condition or disability; an example would be a back injury that lingers, and that results in the worker lapsing into clinical depression. A mental/physical claim involves a psychological condition arising out of the worker's employment that has caused a physical illness; an example would be workplace-induced stress that causes ulcers. A mental/mental claim involves a psychological occurrence in the course of e ...
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Choosing a Home Improvement Contractor with Confidence

Whether you're looking to do to some major remodeling or if your home just needs some basic repairs, deciding on a contractor for your home improvement project can be difficult. It's certainly not a decision you should make in haste. Most homeowner's insurance policies include four basic types of coverage: * Repairs to the home because of damage caused by specified disasters * Replacement of items lost due to theft or damaged by specified disasters * Liability coverage * The cost of temporary housing in the event that a specified disaster causes significant damage to the house While all these protections are equally important in the long run, when it comes to home improvements, your liability coverage will take the forefront. This form of protection will insure you against any injury claims made by uninsured workers, as well as property damaged during the project. Liability protection will also pay for the cost of your legal defense in any related court cases and will cover any money awarded to injured ...
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Ice Dams

What is an ice dam?
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Graduated Licensing on PEI


What is the Graduated Driver Licensing Program?
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Fire


Fire can wreak havoc on your building. We can Help commercial and residential building owners develop a full understanding of their exposure – a fire assessment plan
is a good place to start. You can take steps to prevent or mitigate fire damage in your building simply by understanding the risks better.
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