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champvictor · 2 years
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Broken Heart...
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cheaphousespending · 2 years
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Triple-I Blog | Hurricanes Drive Louisiana Insured Losses, Insurer Insolvencies
Triple-I Blog | Hurricanes Drive Louisiana Insured Losses, Insurer Insolvencies
Max Dorfman, Research Writer, Triple-I Severe hurricane damage in recent years has led to major losses by writers of Louisiana homeowners’ insurance and to the insolvency of eight insurers. Louisiana homeowners’ insurers had a combined ratio of 461.9 in 2021. Combined ratio represents the difference between claims and expenses paid and premiums collected by insurers. A combined ratio below 100…
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Stay dry with your local plumbing pros.
Facing a flood of plumbing problems?
Are you dealing with unexpected splashes, drips, and plumbing surprises at home?
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Stay dry with Emergency Plumbing / Smart Housing Systems Inc! We’re your licensed, insured, and local plumbing pros serving Highland Park, Lake Forest, Deerfield, Lake Zurich, Northbrook, and beyond. From persistent pipes leaking to rebellious faucets, sump pumps, or water heaters, our expert team tackles it all with efficiency and skill. Count on us for fast, friendly service that keeps your home safe and sound.
Get in touch now for swift service that brings back your comfort and peace of mind
Call us today—your neighborhood solution for all things plumbing!
Phone 224-754-1984
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indigo6f00ff · 6 months
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need to share an experience i had 30 minutes ago
(edit: thanks to @walks-the-ages for providing and reminding me to put alt text, sorry it slips my mind alot lol)
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animentality · 9 months
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aapkatransit24 · 2 months
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While Aapka Transit for Marine Insurance
Aapka Transit is a consumer-first Marine/Transit Insurance Company. We provide India's best seamless digital experience when it comes to buying or claiming insurance for all our users.
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insuresmarthub · 4 months
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10 Crucial Reasons Why Home Insurance from Solidify is Essential
Home insurance is a critical safeguard that shields your residence from unforeseen circumstances, providing a safety net against potential risks. Regardless of whether you own a house or rent an apartment, the significance of having adequate home insurance cannot be overstated.
Let's explore ten essential reasons elucidating the importance of securing your home with a robust insurance policy:
Financial Protection for Property Damages:
Natural disasters like fires, floods, earthquakes, or human-induced incidents like theft or vandalism can inflict severe damage to your property. Home insurance ensures financial support to repair or rebuild your home, covering structural damages resulting from such unforeseen events.
Safeguarding Personal Belongings:
Beyond the structural coverage, home insurance extends protection to your personal belongings within the premises. In cases of theft, damage, or loss of valuables such as electronics, furniture, or jewelry, your insurance policy can offer reimbursement, easing your financial burden.
Liability Coverage:
Home insurance not only protects your property but also provides liability coverage. Should someone sustain an injury on your property due to an accident, your insurance policy may cover legal fees or medical expenses, shielding you from potential lawsuits.
Fulfilling Mortgage Requirements:
Most mortgage lenders stipulate homeowners to have insurance coverage as a condition of the loan. Insurance assures the lender that their investment in your property is safeguarded, making it imperative for obtaining and maintaining a mortgage.
Temporary Living Expenses:
If your home becomes uninhabitable due to covered damages, home insurance often includes coverage for temporary accommodation expenses. This provision ensures you and your family have a place to stay while your home undergoes necessary repairs.
Peace of Mind:
The assurance that your significant investment is protected provides invaluable peace of mind. Home insurance offers security, knowing you have a safety net in place even during unexpected calamities.
Protection from Legal Hassles:
In the unfortunate event of someone being injured on your property, liability coverage can save you from legal hassles and potentially substantial expenses. Home insurance covers legal fees, settlements, or judgments arising from such incidents.
Coverage for Additional Structures:
In addition to your main dwelling, home insurance often covers other structures on your property, such as a garage, shed, or fence. This extended coverage ensures comprehensive protection for all elements of your home.
Natural Disaster Coverage:
Certain natural disasters like floods or earthquakes might not be covered under standard home insurance policies. However, additional riders or separate policies can be obtained to safeguard your home against these specific risks, depending on your location and needs.
Affordable Protection:
Contrary to the potential financial burden of repairing or rebuilding a home after an unforeseen event, the cost of home insurance is relatively affordable. The benefits and peace of mind it offers outweigh the expense of the premiums.
In conclusion, home insurance serves as an indispensable shield, offering protection and financial security for your most cherished asset. While these reasons underscore the importance of home insurance, it's crucial to explore various insurance options and choose a policy that best aligns with your specific needs and circumstances.
Remember, when selecting an insurance company, thorough research and comparisons are essential to find a provider that caters to your requirements and offers reliable coverage for your home.
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agosteopathy · 4 months
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Improve Athletic Performance with Sports Massage in Tunbridge Wells
Unlock peak athletic performance with our specialized sports massage services in Tunbridge Wells. Our skilled therapists provide tailored treatments, addressing injuries, reducing muscle tension, and enhancing overall well-being.
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bzalma · 4 months
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Never Assume You Are Insured                                                                                                                    
Contractor Needs Permission of Insurer to be Protected by an Owner-Controlled Insurance Program
Barry Zalma Dec 5, 2023
Read the full article at https://lnkd.in/gZ2xYD6Y and see the full video at https://lnkd.in/gFy66VSy and at https://lnkd.in/gxPdArVA and at https://zalma.com/blog plus more than 4650 posts.
Team Industrial Services, Inc. (Team) found it had incurred a $222 million judgment against it in a wrongful-death lawsuit arising out of a steam-turbine failure in June 2018 at a Westar Energy, Inc. (Westar) power plant. Team sought indemnity for the judgment from Westar, Zurich American Insurance Company (Zurich), and two other insurance companies, arguing that it was, or should have been, provided protection by Westar’s Owner-Controlled Insurance Program (OCIP) through insurance policies issued by Zurich and the two other insurers.
In Team Industrial Services, Inc. v. Zurich American Insurance Company; Westar Energy, Inc.; Endurance American Insurance Company; Westchester Fire Insurance Company, and Kelli Most, individually and as personal representative of the estate of Jesse Henson; Cecilia Henson; Dorian Henson, No. 22-3275, United States Court of Appeals, Tenth Circuit (November 29, 2023) resolved the dispute acknowledging that Team’s arguments were well reasoned and creative.
BACKGROUND
In 2010 Westar entered into separate Master Services Agreements (MSAs) with Furmanite and Team to perform work at the Westar power plant and other sites. Team was to perform “pre-heat and stress relieving” services and Furmanite was to perform “valve maintenance” services. Both MSAs state that Furmanite and Team are independent contractors required to procure their own liability insurance and to name Westar as an additional insured on the policies. They both also state that “Contractor shall not assign or transfer any of its rights or obligations . . . under this Contract without previous written consent of [Westar] which consent shall not unreasonably be withheld.” (emphasis added)
In 2013 Westar instituted its OCIP, through which contractors and subcontractors could obtain insurance protection for work performed at covered locations. Westar had discretion to decide which contractors would be eligible to enroll in the OCIP. Eligible contractors had to complete enrollment forms to be considered for participation. During the time relevant to this dispute, insurance was provided by a Zurich policy, whose premiums were paid by Westar. According to Zurich’s policy, an enrolled contractor’s “rights and duties under this policy may not be transferred without [Zurich’s] written consent.” (emphasis added)
With permission from Westar, Furmanite submitted an application seeking enrollment in the OCIP and was enrolled in 2013. Furmanite was required to report payroll hours for each month to the broker, Aon. The payroll hours reported to Aon were used by Zurich to calculate the premium to be paid by Westar for the relevant policy period.
Westar never made Team eligible to enroll in the OCIP. Team never submitted an enrollment application, and it was never enrolled. Team’s parent company acquired Furmanite’s parent company.
Although Team and Furmanite became “sister companies,” they were distinct legal entities and never merged. Team assumed Furmanite’s workload at the power plant. Furmanite’s insurance coverage under the Westar OCIP continued even though its service contract had been retired. Furmanite’s coverage continued, even after it perhaps should have ended.
Team argued to the District Court that it inherited Furmanite’s coverage under the OCIP via Change Order No. 2 and was therefore insured for the work it performed at the power plant. It also asserted alternative theories including reformation, and the doctrine of promissory estoppel against Westar and Zurich.
The District Court ruled that Change Order No. 2 unambiguously retired Furmanite’s MSA and left Team’s MSA as the sole governing document. The court declined to reform the Zurich policy and rejected the promissory-estoppel, breach-of-contract, and breach-of-fiduciary-duty claims.
DISCUSSION
Team ignored that the enrollment in Westar’s OCIP was not automatic. Westar alone could designate which contractors were eligible, and eligible contractors must apply to enroll in the program, and then be accepted by Westar, in order to receive coverage. Also, under the express terms of the Zurich insurance policy, coverage cannot be transferred without Zurich’s consent. Since Team never enrolled nor was it even invited to enroll in Westar’s OCIP, nor did Zurich ever give written approval to a transfer of coverage from Furmanite to Team, coverage did not exist.
The Change Order did not contain a mention of insurance coverage or the OCIP. There is no ambiguity in the language of the change order from which one could infer that Team would thereafter be provided insurance coverage through the Westar OCIP or otherwise. It was clear to the Tenth Circuit that the notice is to go only to contractors already covered by the OCIP, not contractors-like Team-who are not enrolled in the program. In sum, no contractual promise, nor even a hint or suggestion by Westar or Zurich entitled Team to coverage under the OCIP.
Since Zurich was necessarily one of the parties to the insurance contract, reformation would require proof that Zurich intended to insure Team. Team provided no argument, much less evidence, that Zurich intended to name Team as an insured.
The Zurich policy explicitly protects Zurich from such claims by requiring any transfer of coverage to be approved by Zurich in writing.
Finally, Team raises a perfunctory claim of promissory estoppel. Since there was no allegation that Westar knew about the reporting it could hardly have expected to induce Team’s reliance. Nor was there any evidence of a promise by Zurich to provide insurance coverage to Team.
The Tenth Circuit affirmed the judgment.
ZALMA OPINION
When Team’s parent company acquired Furmanites parent company and took over the work originally done by Furmanite it assumed that it was covered under the OCIP but did nothing to confirm the fact, proving that breaking he word “assume” up into its component part and will cost Team $222 million. Insurance, even a contract as complex as an OCIP, must be fulfilled and to gain the coverage Westar needed to allow them to apply, Team needed to file an application with Zurich and Zurich had to agree. None of those things happened and Team had no coverage.
(c) 2023 Barry Zalma & ClaimSchool, Inc.
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bytebell · 5 months
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oh sure barbie has a thousand different professional qualifications, but when was the last time she was allowed to kill a man? the patriarchy must end
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sarahjaneshearer-blog · 7 months
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Busses for disabled people in wheelchairs!!!
Hey how are you???
Today, I am going to tell you about how disabled people who wants gets treated if they want to go a bus.
Some bus drivers are nice but some bus drivers are just horrible.
Some bus drivers are nice to let me on their bus. They pull out their ramp for me.
Some bus drivers don’t pull out their ramp for me!!! Some drivers say that it’s my carers job but actually my carer isn’t insured if they hurt themselves.
Some bus drivers refused to let me on like today because the bus was too busy and they told me that there was another bus coming. When we looked on the app they wasn’t any buses coming so we had to walk home!!!
Some bus drivers are lazy to pull their ramp!!! One driver said that my chair couldn’t get on the bus because of the weight of it!!!
Some bus drivers shouts abuse at me and my carers!!!
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darknessrains · 8 months
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Local Business in Michigan for pressure washing. Check them out
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adarsh12 · 9 months
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Life can be a rollercoaster ride of emotions, and it's okay to feel sad, uncertain, or overwhelmed at times.
We all have moments of doubt and struggle, but remember, you're not alone.
Stay strong, stay hopeful, and trust in your resilience.
Need Mental Health Support?
Contact us Today!
⦿ 𝐂𝐚𝐥𝐥/𝐖𝐡𝐚𝐭𝐬𝐚𝐩𝐩: +𝟗𝟏 𝟖𝟎𝟏𝟖𝟎𝟓𝟒𝟔𝟒𝟎 / 𝟕𝟕𝟒𝟗𝟗𝟒𝟓𝟒𝟓𝟕 ⦿ 𝐖𝐞𝐛: https://adarshhome.com
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mysharona1987 · 1 year
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wilwheaton · 5 months
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Q: Why hasn't the SAG-AFTRA strike been resolved?
A:
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