What is public liability insurance and when do I need it?

Public Liability Insurance (ow.ly protects you against costly claims from third parties. Imagine that a visitor comes to your office, or you go to a client’s place of work. You set up your laptop, or plug in some equipment. The client or a member of the public trips on a cable and they sprain their ankle. It sounds innocent enough – but incidents of this sort often result in compensation claims against businesses. These claims can be financially disastrous, particularly for small firms. Without Public Liability Insurance, your business is at risk every time it comes into contact with a third party. With the right cover, though, you can be sure that you will be protected.
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Why Counselors Need Liability Insurance

Article by Heather Pulse

It is important that you find the right kind of liability insurance for counselors in order to protect your practice. No one is immune from a liability lawsuit no matter how careful or professional your services. Whether or not you are at fault for a claim of negligence, you will still have to pay legal defense fees even if there are no damages awarded. If you do not have insurance, you can find that even these fees can put a huge dent in your practice’s profits and can bleed into your personal assets.

Professional liability insurance works for counselors in the same way it does for all kinds of professionals. As a counselor, you are dependent upon your reputation in order to draw in clients and retain them. You need liability insurance to protect your name against slander and libel because accusations can prevent you from drawing in new clients and make you lose existing ones. This is why it is just as important to have professional liability insurance just as it is to have general liability or commercial property Liability Insurance for Counselors to protect physical assets.

As you look into Liability Insurance for Counselors, you will need to consider how much coverage you need and where you need to be covered. For instance, if you work with patients off site including their homes, you want to make sure your policy will cover you in this venue. With mobile technology making it possible to work from anywhere, you want to have coverage that can protect you anywhere in the world, but you may want to pay close attention as to how you are covered if you work with clients who are not local.

When you look for coverage, you may want to keep in mind that your policy will only cover you up to a certain extent. In some professions, you may find coverage that protects professionals in the millions of dollars. However, you may find that you only need a few thousand in coverage. In addition, you should keep in mind that your policy will not cover any claims that occurred before you obtained the policy and does not cover punitive damages or cases of fraud.

There are many choices you have to make when you need to get liability insurance for counselors. However, there are many companies that work specifically with this kind of liability insurance, so you are most likely to get the type of products you need here. You can search for these companies on your own and go through a plethora of quotes, or you can get some expert help from a broker or agent. In either case, you must be prepared to undergo the process of finding the right coverage.

About the Author

Visit Liability Insurance for Counselors for more information or visit our blog at http://cvcourt.com/why-counselors-need-liability-insurance/.

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Yoga Teachers Need Liability Insurance

Article by Nacams Team

Before you set out on the path toward financial success as a professional yoga teacher, you need to be sure you have laid a strong foundation for your career. This means making sure all your “ducks are in a row,” as far as your nail station and equipment, your skills and education, your license to perform these services, and also your insurance for yoga instructors.

The last item on the above list–insurance for yoga instructors–is one that may not be at the forefront of your mind, especially if you are still busy finishing up your training, securing a station for providing your services and obtaining your license to perform your services as a yoga teacher. However, it is important to make sure you have your insurance for yoga teachers in place before you begin doing business.

In many areas, possessing insurance for yoga teachers may be a legal requirement, meaning that you must have yoga insurance in order to legally provide your services at a yoga studio, whether you own the salon or simply work there at your own station.

There are a few key reasons why it is so important to sign up for yoga liability insurance, even if you happen to live or work somewhere that does not require such a policy. The main reason is the fact that yoga insurance can provide crucial financial protection and coverage for your and your business in case a client ever files a claim against you.

As a professional yoga teacher, the risk of having a client file a claim against you for damage or injury may be relatively low–especially in comparison to other professionals who offer more invasive and inherently risky services, such as surgery or dental work. However, the fact remains that there is still some risk involved with being a professional yoga teacher, and that risk should be insured via insurance for yoga teachers.

One of the easiest risks to understand, and one that applies to nearly every person who has clients come to them for goods or services, is the risk of having a client suffer an accident on your property, such as a slip, trip or fall. If this happens, and the client decides to sue you for the damage or injury–since the accident occurred on your property–you will need the general liability aspect of your yoga liability insurance to kick in and provide the necessary financial coverage.

Of course, yoga liability insurance provides several other important forms of protection as well, including professional or malpractice liability insurance and property liability insurance.

Yoga Journal is an American based media company that publishes a magazine, a website, DVDs, and puts on conferences all devoted to yoga, food and nutrition, fitness, wellness, and fashion and beauty.”Yoga Journal” was started in May 1975 by the California Yoga Teachers Association, which included William Staniger, Chairman (aka William Golden since 1982), Rama Vernon, President, Janis Paulsen, Secretary/Treasurer, and board members Ike and Judith Lasater, Rose Garfinkle, and Jean Girardot. William Staniger was Yoga Journal’s founding editor.

About the Author

The National Association of Complementary and Alternative Therapy (NACAMS) is a national insurance provider offering CAM professionals comprehensive liability insurance and practice support. While providing the best value to the practicing CAM professional, NACAMS liability insurance package is the most comprehensive in the CAM industry. By focusing our liability insurance exclusively on the complimentary and alternative medicine professional we are able to provide a personalized experience and a comprehensive plan of member benefits.

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whereby the original author’s information and copyright must be included.

Need for unoccupied insurance and let property insurance in Bradford

Article by Cindy

Significance of unoccupied insuranceMaking your unoccupied insurance rates less expensive

Unoccupied houses pose extra risks than houses that are regularly used by owners. For instance, broken pipes can cause extensive water damage because there was no one to keep track of the plumbing. Neighborhood vandals and thieves are also more likely to target homes that they deem unoccupied.

The amount of risks posed by the vacant property not just can make unoccupied insurance difficult to find, it also appears at a very expensive price also. It is not shocking to locate unoccupied insurance quotes at inflated prices, because insurance firms identify the truth that homeowners are more likely to make claims due to the high degree of risk of unoccupied homes.

Thankfully, there are steps that you can consider in order to make your unoccupied insurance a lot more affordable.

The key to making the price of unoccupied insurance slightly much more affordable is to show to insurance companies that it is not that danger to provide protection for it. Fitting safety features, like burglar alarms and locks on doors and windows can already lower the price of this sort of house insurance plan

Unoccupied insurance offers are the answer for landlords or owners who are in desperate requirement of help to include the harms in their property in the period that it is unoccupied. This can undoubtedly be this type of advantage for people that have properties that they are just vacating for a period of time, such as; empty homes, properties that at present on sale, etc. This insurance policy can cover for the damages where risks are higher compared to the normal unoccupied insurance deals like properties insurance, business property insurance, etc. When a property is unoccupied, usually it will be unsafe and it would lure in unlawful migrants that will lead to the devastation of your home as much. Theft, accidents and the chances of natural calamities like floods, hurricanes, earthquakes, etc should also be considered with regards to your unoccupied properties. This is why insurance plans for unoccupied properties had seemed to be really useful for individuals in these conditions.It is essential to obtain unoccupied insurance therefore your home is protected while you are aside from the home. So if something had happened to your home, while you were aside you will be safe from spending anything towards damages that might have been triggered to the unoccupied home. Therefore, it is essential to get unoccupied insurance.To get a lower rate on unoccupied insurance you need to safe your property. This will reduce your monthly premium by getting extra protection to your home; many insurance firms are more likely to provide a discount this way. Most of them provide a 20% discount. They will usually need to pre-approve the safety process before giving the reduction. This will also make the property much less risky Do your study – The key point is to get many insurance quotations and search for online for different insurance companies that offer different plans. You should be aiming to get a minimum of

Why-you-should-get let-property-insuranceIf you are looking to proceed into the world of buy to let property, as a landlord then knowing your place related to let property insurance Bradford could be an excellent option.

The conclusion may normally be that even if you simply rent out a single room in your own property, then you may require let property insurance Bradford instead of possessor-occupier insurance plan.

The reason for this is simple enough. If you have residents in your home then the risks to the property and to the residents themselves are really different to those of a possessor occupied property.

Buildings insurance

Lots can occur to your valuable bricks and mortar. Covering against destruction from floods, earthquakes, storms, fire and identical damage may be a sensible action.

Actually, if you have a mortgage on a buy to let property, having bought to let property insurance Bradford may be one of the terms of services of the mortgage by itself.

One of the main considerations of buildings and let property insurance Bradford is the worth you place on the building itself. Obtaining this number as correct as possible is clearly necessary.

From an insurance approach, this figure is the sum it would charge to rebuild the building if it were completely demolished. This might be more or less than the sum of money that you paid for it, thus obtaining a professional value might be a good idea if you are unclear.

Public liability and let property insurance Bradford

If someone is injured on your assets or their belongings are ruined, then they may prosecute you for harms. Public liability insurance plan is what defends you monetarily against this (up to set limits). It might incorporate legitimate costs too and typically comes as part of landlords property insurance plan – but do examine when searching for insurance.

Unoccupied asset

The definition of an unoccupied property can possibly vary from insurance service provider to provider but for many, it denotes to a property that is empty for more than 30 consecutive days. For let properties, this can happen more usual than you would think about:

When a property is vacant, it may be more of an objective for thieves or vandals. Unlit windows and an overgrown garden may be very evident clues of an empty home and behave like a magnet for thieves.

Also, any issue, a leaking pipe for instance, is possibly to do much destruction (and cost more to repair) if it goes unnoticed for a long period of time.

You might need to notify your let property insurance company if your property belongs into the unoccupied type. Otherwise, your owner insurance cover may turn into fake.

Contents and let property insurance Bradford

The landlords contents cover you need will be figured out to a certain level by whether or not your let property is furnished or unfurnished. Once again, it is important to be as appropriate as possible when talking about valuing your contents.

If you are depending on your let property for your living or at the least part of it, then making sure that your let property insurance Bradford gives great cover may be wise.

About the Author

The author is a insurance professional and expert.He is currently working in Quoteus Insurance a leading insurance broker in UK providing quotes for unoccupied insurance,Let property insurance,insurance Bradford.

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