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Article by Kirthy Shetty
Landlords should have renter’s insurance to protect their property. This is often ignored by most of the landlords. They don’t look at protecting their rented property which is highly crucial. This property insurance provides succour against fire, theft, flood or other physical losses. Get proper liability coverage of your rented or tenanted property. There are damages caused by the tenant, which is also covered under this insurance cover. It covers every thing right from your fittings, fixtures and loss of rental income.Make sure you follow the correct procedures to locate places to buy rental property insurance and to obtain the proper coverage. There are a volley of rent guarantee and tenanted property protection insurance. This can cover you for a period of six months or for 12 months. You can get a basic or comprehensive tenant reference checks cover based on your requirement. If you wish to have an indepth check carried out – such as employment’s reference verification and previous landlord’s reference verification in addition to the basic identity checks, credit checks, ccj, bankruptcy etc, you can go ahead with a comprehensive cover. Also cover damages to your property and structures.Alleviate your worries about procuring a bad tenant and losing out on your rental income or damage to your property. You are well protected by tenanted property insurance. Always remember that your tenant’s monthly payment taken as an advance is not sufficient for you. You can’t recover the cost of damages in any way. You may loose hundreds of pounds in lost rental income. Some times the legal expenses will be too much to bear, those eviction charges and solicitor’s fee may be high. To avoid all these you need to get a proper insurance to protect your rental income.If you reach out to companies to claim your lost rent, you may be charged by them to make your claim. It’s better to have a rent guarantee insurance in order to avoid paying those companies 5% of your annual rent for claiming back the amount on your behalf. Such rent guarantee insurance helps you in times of some calamity. Find out who has a clean tenant history. If you don’t have enough funds to invest in rental insurance, you may find it difficult. Are you apprehensive of getting such insurance cover, then, you should talk to the online insurance experts who will offer you better picture of the benefits of your insurance against rent payment.
About the Author
Kirthy Shetty, Platinum author. For more information on: Rented Property InsuranceGet more information on: EPC Providers
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Tenth Circuit Continues the Ambiguity of “Advertising Injury”
Louisville, KY (PRWEB) October 24, 2011
The Tenth Circuit recently decided a case brought by DISH Network against its Commercial General Liability (CGL) carriers, where DISH had been sued on patents claiming call center technology. Although unlikely, some CGL policies may still be interpreted to have some coverage for patent infringement claims if the patent is claimed to be on a way of advertising a product. In DISH Network Corp. v. Arch Specialty Insurance Co., DISH argued that the CGL coverage for “advertising injury” was potentially triggered by the asserted patents’ claims which purportedly included advertising or product promotion.
Although “numerous cases do, indeed, categorically rule out ‘advertising injury’ coverage for patent infringement,” DISH, slip op. at 12, “where an advertising technique itself is patented, its infringement may constitute advertising injury.” Id. at 14. The court noted that allegations of patent infringement by a product are consistently held to not be within advertising injury coverage, regardless of how that product might be advertised. Only when both the accused activity and the patent’s claims are within the scope of advertising does the potential for coverage attach. The insurers continued to assert various intellectual property (IP) exclusions and causation arguments, and the case will return to its trial court for further litigation.
According to Robert Fletcher at Intellectual Property Insurance Services (IPISC), “Obtaining CGL coverage for patent litigation continues to be a difficult and unpredictable endeavor. When cases like DISH continue to be litigated in the courts, you can be sure that carriers will attempt to further limit any plausible type of IP exposure under their commercial insurance policies. It is essential that companies not rely on the unpredictability of the courts to determine if they have coverage under their CGL policies”.
Fletcher goes on to say, “Companies are well advised to proactively obtain insurance coverage specifically tailored to address their most valuable asset, intellectual property rights. Instead of taking the chance on CGL coverage, a company can obtain a dedicated policy where patent infringement allegations can be explicitly insured without the need to litigate coverage through trial and appeals courts. These dedicated IP policies can even cover the cost of pursuing a CGL carrier in those exceptional cases where it should provide coverage. Despite the established availability of IP insurance policies, most companies have not been made aware of the existence of IP insurance.” It is important to discuss IP insurance with a knowledgeable insurance professional.
Robert Fletcher is the founder and president of Intellectual Property Insurance Services Corporation (IPISC). IPISC continues to be the leading provider of intellectual property insurance and risk management products and services in the United States and worldwide, with over twenty (20) years of expertise and experience. For further information, please contact Karrie Lewis, Marketing Director at IPISC, at 502.855.5310 or klewis(at)patentinsurance(dot)com. Please visit our website at http://www.patentinsurance.com.
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