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Closing the Coverage Gaps in Liability Insurance Policy

Closing the Coverage Gaps with Auto Insurance Policy in West Hollywood, California. Gaps in your liability auto insurance coverage can cost you a fortune. Having gaps in your liability auto insurance coverage is like venturing out into a snowstorm without an overcoat. In either case, it’s tough to succeed without protection. Before purchasing any insurance policy, you need to fully understand the basic structure of the contract in terms of what’s covered and not covered. READ MORE

Finding the Best Home Contractor for the Job

Let’s say you’re about to take on a house project, whether it’s a major kitchen renovation or a simple painting job, and you decide to hire a contractor. So, you flip through the phone book and call the first number you see listed under “Kitchen Remodeling” or “Painters.” Not so fast. READ MORE

Does Your Insurance Cover What You Agreed to in That Contract?

Most construction projects involve written contracts. A contractor signs a contract with the project owner, with the general contractor, or with a subcontractor on the project. The contract normally spells out the obligations of the contractor regarding, among other things, the insurance the contractor must carry and liability that he will assume. Construction contracts often contain “indemnification” agreements under which the contractor agrees to assume some of the owner’s or general contractor’s liability for accidents that occur during the project. Should something happen, will the contractor’s general liability insurance policy pay for the damages he assumed? READ MORE

AAA Study Shows After School Hours Dangerous for Teen Drivers

Parents have always been concerned about their teenagers driving on the weekend, especially at night. However, a new AAA study of crash data reveals that after school hours can be as deadly for teenage drivers as weekend nights. The researchers advise parents that they need to be just as vigilant about monitoring their teens’ driving on weekday afternoons as they are on weekend nights. READ MORE

Protect Your Company from Nuisance Lawsuits

A March 2007 study from the Pacific Research Institute titled Jackpot Justice: The True Cost of America’s Tort System, stated that lawsuits in the U.S. cost the American Public an estimated $865 billion dollars per year. Much of this litigation was needless or stemmed from nuisance lawsuits which could have been largely avoided. In these litigious times, business owners need to sit down and analyze their risk exposure. READ MORE

Thirteen Vehicles Named for Highway Safest Vehicles List

Thirteen vehicles, including four cars, seven SUVs, and two minivans, earned The Insurance Institute for Highway Safety’s Top Safety Pick awards for 2007. The award is given to vehicles that best protect people in front, side, and rear crashes based on ratings in Institute tests. Winners are also required to be equipped with electronic stability control. Honda and Subaru each manufacture three of the 13 winning vehicles. READ MORE

Data Theft Is Big Business – Are You Protected?

According to the U.S. Federal Trade Commission Internet fraud complaints soared from $206 million in 2003 to $336 million in 2005. The worst news, according to a survey performed by the Enterprise Strategy Group in 2006, is that your data is more likely to be stolen from inside your company by employees or on-site contractors than by outside hackers. READ MORE

Motorists Still Driving While Talking on Cell Phones

The Cellular Telecommunications & Internet Association reports that more than 231 million people are currently subscribed to wireless communication devices, namely cell phones, compared to roughly 4.3 million in 1990. This increase in cell phone usage has resulted in a rise in the number of people using the devices while driving. READ MORE