Liability Insurance

Liability insurance requires you to consider a few important things before committing to a policy. Learn about liability insurance with help from an insurance professional in this free video clip.

There are very specific laws regarding liability insurance while visiting a public place like a store. Learn about laws on liability insurance injury while at a store with help from an attorney in…

Liability insurance is defined in a very direct and straightforward way. learn about liability insurance and get the definition for this term with help from an insurance professional in this free…

Contractors purchase liability insurance to protect against financial loss resulting from claims against the business for damages resulting from the business’ products, services or work. Many…

Working as a private bartender can be a fun and lively career that puts you in the company of social people at weddings, showers, holiday parties, corporate events, anniversaries and other private…

Waivers of subrogation are commonly included in general liability insurance policies either by being directly part of the policy form or added as an endorsement to the policy. In addition to the…

Insurance protects people from the financial loss caused by risks. A significant financial risk in America is the possibility of being found guilty in a liability lawsuit. With liability insurance,…

Liability insurance works differently depending on the auto accident laws in your state. For no-fault insurance states, liability insurance coverage is largely irrelevant because insurance companies…

When you are a pastor or a clergy worker, it is important to understand the risks that are connected with your profession. Because there are risks, you need a "risk management plan." A professional…

Painting contractors sometimes work in homes and businesses with expensive furnishings, or made from expensive materials. When a crew member drops a ladder onto an antique vase, the contractor will be…

Property damaged by fire may require various degrees of repair. A total loss is defined as property that has been damaged beyond repair or to a degree that necessary repairs approach or exceed the…

Liability insurance isn't just for property owners. A variety of circumstances can generate liability claims, so it's important for you as a business owner to cover your own liabilities. A landlord's…

Personal property loss due to a fire disaster can be stressful and emotionally draining. Dealing with a property adjuster can add to those feelings when trying to recoup losses and manage the trauma…

Commercial general liability insurance policies have several different limits of liability that define how much the policy will pay in the event of covered claims. The limits of liability are…

Railroad contractors that conduct work on or near the railroad's right-of-way may be required to purchase protective liability insurance. This is separate from general liability insurance, which does…

Loss prevention specialists warn that many public and private properties are crawling with potential liabilities. Slippery floors, dimly lit areas and broken locks contribute to the billions of…

In order to legally drive in the state of Illinois, you must have a license or a form of a permit. These permits are attained though the Secretary of State's office or through attending a driver's…

Companies should manufacture baby products to be safe and effective. If you have a baby seat product that you suspect may be defective, you can visit government websites to check if your product is on…

Dispatching is a job that requires diligence, professionalism and alertness. When it comes to applicable laws, state or federal, truck dispatching is seldom mentioned. There are exceptions however,…

The Federal Employers Liability Act (FELA), came about in 1908 for workers injured on the job. Railroad common carriers are liable for damages to their employees who suffer injury while employed or in…

Even after you have earned a professional degree, the learning opportunities do not have to stop. Myriad opportunities to increase your knowledge, skill, and reputation exist by obtaining additional…

Car insurance policies cover drivers and their cars when an accident occurs. The insurance of the driver legally at fault for the accident is the one paying benefits. When someone else drives the car,…

If your license to operate a motor vehicle has been suspended or revoked in Arizona, you may be required to file an SR-22 with the Motor Vehicle Division before you can get your driving privileges…

If a customer suffers an accident at your place of business or gets injured by or because of the products your business sells, the customer might sue. Lawsuits can cripple your business' finances.…

A reservation of rights agreement is an agreement between an insurance company and its insured. Typically, the insured is asked to sign a reservation of rights agreement after having filed a claim…

Employee Liability Act of 1969 requires employers to purchase insurance that will help to cover the medical costs of an employee who becomes injured or ill due to the work they perform for the…

For-profit and nonprofit organizations need insurance to protect them against liability. This liability can result from employees embezzling funds, your business car being in an auto accident, or…

Leasing a small car follows the same procedures for leasing a standard sized car or a large family van. There are various differences between leasing a car on a short-term plan and leasing a car for a…

A subcontractor is someone who enters into a contract with a primary or general (owner) contractor. He may share some of the duties with the primary contractor or complete all obligations of the…

Social workers are professionals who need protection from liability. A malpractice lawsuit claim is based on negligence by a professional toward a client. Malpractice cases must be defended. A…

Generally, truck driver insurance laws and requirements come under the authority of the Federal Motor Carrier Safety Administration (FMCSA) for interstate truckers. The states have the authority to…

Florida requires liability coverage for all security officers. Florida Statutes Chapter 493 provides for insurance requirements, and the employer is responsible for coverage. Coverage is also…

An insurance audit is often conducted on behalf of insurance companies that issue worker's compensation, general liability and risk insurance policies. If you are a business owner or independent…

The Employer Liability (Compulsory Insurance) Act of 1969 in the United Kingdom was created to meet the cost of compensation in the event an employee is injured or suffers an illness.

Lawsuit insurance protects a business's assets by covering legal expenses and cash payouts if a lawsuit is brought against the company. It can also be obtained by individuals, often as part of an…

In Louisiana, prior to 2008 the state minimum liability limit had not increased from $10,000 dollars in about 20 years, while the average price of cars had climbed from $10,600 to $21,600. In 2008,…

If a company produces a product that must be recalled, the costs associated with the recall process can be significant. Recall insurance, more commonly known as product recall insurance, insures…

Liability insurance is insurance a motorist must carry to ensure payment of a victim's medical bills in the event of an accident. If you're an Indiana motorist, the state requires you to have…

Airplane insurance requirements ensure owners of personal and corporate aircraft have the proper coverage in the event of injury, damage, or death caused by the airplane or the operator of the…

Depending on your insurance policy, if you are negligent, meaning you were at fault for causing the incident and it was not purely accidental, your insurance company may not cover the damage. Several…

California's Financial Responsibility Law mandates that drivers in the state must have valid liability insurance, a $35,000 bond, or a certificate from the Department of Motor Vehicles stating the…

The state of Illinois may require drivers to obtain an SR-22 insurance certificate or financial responsibility insurance. This is the method used by the state to monitor the insurance of drivers who…

The Employer's Liability (Compulsory Insurance) Act of 1969 was passed by the British parliament on October 22, 1969. The Act requires all employers to take out insurance on their employees.

SR-22 insurance in Ohio is an individual insurance policy that pays only for damages to the other party in the event of an accident. The insurance is for high-risk individuals that the state of Ohio…

It's mandatory in Illinois to insure all motor vehicles with a minimum amount of liability insurance. Drivers must purchase at least $20,000 worth of coverage for the injury or death of one person;…

The financial responsibility laws in Wisconsin are in place to protect drivers on the road from other drivers without insurance or the financial means to pay for damages in the event of an accident.…

Bodily injury liability insurance provides coverage for persons who become injured as a result of someone's negligence arising out of an accident. In cases where a policyholder is found at fault, this…

The Indiana State Code details the provisions and requirements for drivers who register vehicles or out-of-state drivers who use Indiana roads. The laws, known as financial responsibility laws,…

Ohio requires that all drivers of automobiles in the state have automobile liability insurance in at least the minimum amounts prescribed by statutes. Those whose driving license has been suspended…

It is illegal to drive a car, truck or motorcycle in Missouri without automobile liability insurance. Drivers must be able to show proof of insurance to police officers who ask to see it. A driver who…

Certification from the National Certification Board for Therapeutic Massage & Bodywork (NCBTMB) is required for practice in over 37 states, including Indiana. Certification is considered a seal of…

Even careful and attentive drivers sometimes cause accidents. If you are at fault in a collision, Washington state requires, with few exceptions, that you have insurance coverage that pays for damage…

The Saskatchewan Insurance Act provides the framework for regulating insurance companies and agents doing business in the province. If you're an insurer or agent operating in Saskatchewan you have to…

In Indiana, a massage therapist must receive a license to practice from the Indiana Board of Massage Therapy. The board has set forth specific requirements regarding education and examination among…

In Texas, a driver's license can be suspended for one of many reasons, such as drug and alcohol offenses, driving without insurance and traffic violations. Once your license can be reinstated, you…

Most states require the filing of a SR22 certificate with the Department of Motor Vehicles prior to reinstating a suspended or revoked license. Other common reasons for a SR22 filing are frequent or…

An athletic trainer is a healthcare professional who deals with the recognition, prevention, rehabilitation and management of an athletic-related illness or injury. Certified athletic trainers are…

Motor vehicle financial responsibility law requires motorists to provide evidence of the financial capacity to pay for medical liability claims or property damage when involved in a traffic accident…

The amount of automobile insurance coverage required depends on the state where you reside. Most jurisdictions have their own minimum requirement all vehicle drivers must carry. Alternatively,…

Personal liability insurance essentially covers the insured from civil lawsuits. It is also called umbrella coverage. Thus, umbrella personal liability insurance provides coverage beyond the insured's…

Insurance defense is a division of civil law. Insurance defense covers disputes between policyholders and insurers. It encompasses everything from discrimination in the workplace, auto accidents and…

Personal injury protection insurance, or PIP, is a provision of an automobile insurance policy that provides coverage to the insured for medical payments and other expenses incurred during a covered…

Insurance litigation is a branch of civil law that involves the legal proceedings and disposition of insurance-related matters. Insurance litigation is primarily composed of disputes between insurers…

Civil liability refers to the responsibility an individual or entity has to another individual or entity. There are many relationships where civil liability is apparent: employer to employee,…

Residential fires in the United States cost about $8.5 billion dollars in 2008. From 1999 to 2008, the cost of residential fires has risen a little under a half billion dollars per year. According to…

Although the purpose of lawyers is to ensure protection to their best ability for their client's case, sometimes lawyers make mistakes that negatively impact their clients. In instances where lawyers…

It's prudent for landlords to have a general liability insurance policy for a rental property. It adds a sense of protection for the landlord knowing that if an injured victim files an insurance…

Homeowners have rights to file certain claims under their homeowner's policy. The insurance policy represents a contract, which outlines the applicable coverage when a covered loss occurs. In…

Personal injury limits of liability insurance can vary significantly when liability insurance is sold as a single limit versus a split limit. Consult with your agent about what your insurance policy…

Having a swimming pool is a great way for families to enjoy Illinois summers, but swimming pools are also a hazard that cause 300 drowning deaths a year, according to the Consumer Product Safety…

Liability lawsuits are civil suits in which one person sues someone else (usually a company or business) claiming that he received an injury that should have been avoided because the other party…

There are situations in which a third party needs verification that an individual or a business maintains appropriate insurance coverage. A third party may need to maintain official documentation…

You've found a contractor, seen his work, heard rave reviews about him and want to hire him for your project. However, he doesn't carry general liability insurance, and you want to protect your…

Driving without insurance in New York state is a serious offense. New York requires that residents who own automobiles, excluding motorcycles, insure those vehicles. The insurance is tied to the…

Liability insurance is required by law in all 50 states of the United States. Liability insurance is a type of insurance that covers the expenses incurred by someone else as a result of an accident…

Subrogation occurs when an insurance company seeks reimbursement from the at-fault person's insurance company for insurance benefits paid to its policyholder. A subrogation clerk is an insurance…

According to the American Nurses Association, only 47 percent of respondents to a recent online poll carried malpractice insurance. While a nurse can expect coverage under her employer's policy,…

Bodily injury insurance is a type of liability car insurance. If you cause an accident, this insurance covers those you injured. Most states require vehicle owners to have bodily injury insurance.

Professional liability or malpractice insurance protects professionals who are sued by clients. Attorneys, physicians, and dentists are examples of professionals who purchase malpractice insurance. If…

A guarantor, also called a surety, is the individual who agrees to be responsible for someone else's obligations. In finance, a guarantor is colloquially known as a "co-signer." In insurance law, a…

Vendors that do business in cities and municipalities are typically required to provide evidence of having adequate insurance and bond coverage. This will need to be provided to the city, where you…

There are several insurance companies that offer short-term automobile policies. While you can borrow a car and obtain insurance (e.g., for one day or at least one month), you will face typical…

Settlement negotiations involving injury claims should begin with a demand letter. The letter forms the basis for all subsequent discussions and agreements. After providing a letter, always maintain a…

The mild and inviting climate of California provides an ideal environment for the riding of motorcycles. But before riding, one of the requirements a motorcycle operator must have under California law…

Railroad employees that work with companies who perform interstate commerce have a federal remedy that in lieu of traditional worker's compensation. The Federal Employers Liability Act has protected…

An SR-22 is a Certificate of Financial Responsibility (CFR) required by some states as proof of auto liability insurance coverage. An SR-22 is required when a driver has excessive or major violations…

Liability insurance is a system designed for paying claims to third parties who have sustained injury as a result of the negligence of the policy owner or insured. Most insurance companies are not…

Starting a home health care business in Illinois will require obtaining a license for the type of service that will be provided. In Illinois, you have the option of obtaining a license for a home…

Making the decision to convert your home into a vacation rental property requires a comprehensive plan. There are some specific steps that you need to take to ensure that you appropriately prepare to…

Insurance, depending on the type, is regulated by a variety of state and federal laws. Automobile insurance is left to states to regulate. As a result, each state has specific laws and mandates.…

The Public Insurance Act was a law that was passed by the Parliament of New Delhi and signed into law by the president on January 22, 1991. The law provides immediate relief to individuals who are…

The Insurance Agents & Brokers Act was an Australian law passed in 1984. The purpose of the law is to make sure agents or intermediaries operate under a written authorization from an insurer. An…

The state of Texas passed The Medical Liability and Insurance Improvement Act in 1977. The law was a response to the increase in medical malpractice insurance claims that were occurring at that time.…

Malpractice insurance, also known as professional liability insurance, provides legal coverage for disputes arising from professional services. If the insured is sued for alleged negligence, the…

Operating a business creates potential liability for any number of reasons. General liability refers to the scope of causes covered by an insurance policy but not the extent of the coverage. A…

Owning a construction company can be the ultimate hands-on experience. Whether adding on to a porch or walking a business owner through a complete remodeling job, each project requires personal…

A standard commercial renter insurance policy is more commonly referred to as small business property insurance. It protects the equipment, machinery, inventory, and furnishings in a business space…

Many people may not realize that in many states, vendors such as restaurants and bars are responsible for how much alcohol they serve their patrons. What does this mean? Well, if a bar serves enough…

As the owner of a business establishment which serves any kind of alcoholic beverages, under what are commonly referred to as "Dram Shop" laws, an individual owes a certain responsibility to the…

Home businesses present a variety of potential grounds for personal liability. These risks include physical injuries to in-home visitors and damages arising from business disputes. The prudent home…

No matter what type of small business you own, chances are you will need insurance. For most businesses, a combination of property and liability insurance is sufficient, but you should know all the…