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Rented Property Insurance – Do You Require It!

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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Holiday Home Insurance

www.insuranceforholidayhomes.co.uk Specialist holiday home insurance, for the best deal on your second home insurance

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Tenth Circuit Continues the Ambiguity of “Advertising Injury”

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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Why Do I Need Hotel Insurance

Article by Kathryn Dawson









Hotel insurance and guest house insurance usually offer the same type of coverage, although not always to the same full extent. The key points are the same as required under most business insurance policies, although the wording and limitations will usually vary according to the type of business and the industry in which your business operates. All businesses require an insurance policy that will cover buildings and contents, liability, both public liability and employers liability, and a ‘business interruption’ element to the policy.

The most common purchasers of a hotel insurance policy include businesses such as hotels, motels, and hostels, and bed and breakfast or guest house operations.

As mentioned above, the three key features of a hotel insurance policy are:

Buildings and contents insurance to protect your business in the event of fire, flooding, theft, break-in and resulting damages.

Public and employers liability in case of injury to employees or third parties whilst on your property.

Business interruption, a general term covering incidents that cause loss of income, such as electricity failure or gas leak, fire or flood damage, or injury, illness, or death of owners. This last element will help ensure that even in worst case scenarios, your business can still operate effectively, whereas otherwise there may be cause to shut down.

There are, however, a few key differences with the coverage allowances with hotel insurance as opposed to many general business insurance policies with these same features. For example, a hotel insurance policy may include coverage for damages such as a broken window, fixtures and fittings, landscaped garden property, and hotel frontages including signs and external blinds. As these are all elements that may hold a significant impact on business operation with regard to reputation, it is important that the upkeep of such items be maintained, and damages repaired promptly.

Other specific benefits that may be associated with a hotel insurance policy include coverage for loss of metered water; theft of keys, to include having the locks changed to prevent unauthorised access; loss of money both in and out of business hours and from sources such as vending or gaming machines as applicable; and loss or damage to outside equipment, such as outdoor lighting or heating appliances and picnic tables or other outdoor seating arrangement.

There may also be the opportunity to increase coverage of loss of stock during the primary season, an increase in coverage of both public liability and employers liability in particular for situations of outdoor catering. This additional coverage will also include protection against damage to your equipment, and to property of both guests and employees.

You should also ensure that your hotel insurance policy will cover loss or damage to the personal effects of your guests. It is also possible to select a hotel of guest house insurance policy that includes the receipt of equivalent rental or tenancy payments in the event of damages severe enough to prevent possible tenancy.

When choosing the most suitable hotel or guest house insurance policy for your particular business, examine the offerings of coverage with regard to business interruption protection within your policy duration. This will ensure that should a number of different possibilities crop up, your business can remain in operation. These include vermin and other pest issues, loss of accounts receivable (i.e. when guests don’t pay up), denial of access, all the way to notifiable illness or death, to include murder or suicide. While there may be one or two items on this list that you may not want to consider, it can be reassuring to know that the event is covered.

Comprehensive hotel insurance or guest house insurance is critical to the survival of a hospitality business, and is reassuring for the mental and emotional concerns of anyone running a business providing guest accommodation. If your business includes the provision of meals and beverages, particularly to customers who are not also purchasing nights of accommodation, you may need additional cafe insurance; check the terms of your selected insurance policy thoroughly to ensure it provides adequate coverage to meet all the requirements of your business.



About the Author

Kathryn Dawson writes articles for YesQuote, where you can find the best insurance quote and advice in the UK. YesQuote provide competitive rates and coverage for a wide range of businesses. They are well known specialists for hotel insurance, guest house insurance and cafe insurance, working only with the top A-rated insurance companies to offer products and services to any small and medium sized businesses, and are able to cater to any requirements.