Employer Non-Owned Car Liability Coverage

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Your business needs commercial auto coverage as a part of its business insurance plan if it operates any vehicles. Even if you operate a small business and your vehicle doubles as the “business vehicle,” commercial auto coverage or a very close reading of your personal insurance policy is necessary. In most cases, your personal auto policy will not cover a loss when the vehicle is being used for business purposes.

Businesses often have employees operate their own vehicles for company purposes. This can happen on a regular basis. The secretary making a run up to the store for supplies. Perhaps a salesman running a sales call or a delivery to a client. When the employees make use of their own auto for work purposes, these are “non-owned” vehicles. These vehicles are not on the scheduled list of automobiles covered by your business insurance. Your commercial auto policy will not cover an accident and their personal policy will deny coverage because the vehicle was being used for business purposes.

Frequently, businesses and owners are under the impression that it is possible to leave it up to the employee to purchase insurance for the vehicle. Remember, however, a personal auto insurance policy and commercial auto business insurance are two different types of coverage and the employee’s personal policy may not cover a loss when the Cheap Car Insurance vehicle is used for commercial purposes.

It may also be the case that the employee is driving uninsured without the employer’s knowledge.

This can lead to uncovered liability for the business.

Without getting into deep legal theory, employers have what is called “respondeat superior” liability for the negligence of their employees. When an employee causes an accident that injures and/or causes property damage, the employer can be held liable. Many small business people I counsel fail to recognize this liability in the context of employee vehicles. One pizza shop owner believed that his business was “safer” if he just required delivery drivers to use their own vehicle. This is where working with a good, local, insurance professional could clarify potential risks and analyze the business as it operated.

Your business insurance can include in its commercial auto coverage employer non-owned auto liability coverage. Some commercial auto products include this coverage as a part of the policy (called ISO 9). However, in recent years a number of court decisions have led insurers to limit this coverage or to require it to be purchased as a rider or endorsement. When choosing commercial auto insurance selecting a good insurer with broad based coverage including this coverage can save money. Whether included in the business insurance policy or purchased as additional coverage — it is critical coverage if your Cheap Car Insurance employees might use their vehicles for work.

Using an example is the best way to explain the coverage. You are on a job site and send an employee to a supplier to pick up a needed part. On the way, the employee hits a pedestrian. The pedestrian is injured with $ 50,000 in medical bills, lost wages, pain and suffering. Since the employee was driving for a business purpose, their insurer denies coverage. Your business has non-owned auto liability coverage and the $ 50,000 loss is covered. Had that coverage not been in place the employee would be uninsured (and probably uncollectible) and the damages would be sought from your business by the injured pedestrian.

What about the case when a vehicle breaks down and a replacement is leased or an additional vehicle is needed and the business rents a vehicle? These “non-owned” vehicles are typically covered automatically under the business’ commercial auto liability policy. You need to read and review your commercial auto policy language. Most insurers recognize that a replacement vehicle put into fleet service by the company carries much less risk than relying on the employee’s personal vehicle and include such coverage, but check with your insurance professional.

This coverage is typically added at relatively low cost and is a critical addition to your commercial auto policy.

Employer Non-Owned Car Liability Cheap Car Insurance Coverage

Originally posted 2013-10-12 14:03:59.

Build a profitable business using sms marketing software

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Many small to medium businesses today look for cheaper marketing of their products. For start-up companies, significant reduction in advertisement cost can save them valuable money that they can use for other business purposes. With mobile phone becoming part of people’s personality, it is only a wise step to explore the handsets to corner a good market share for your business by contacting the targeted customers. Mobile phones are now efficient tools for the companies to immediately tell the world about the products and services they are launching.
There is an increasing penetration of mobile phone across the world. You can take advantage of these devices when you send text to the potential buyers. Today, even smaller semi-urban areas and villages have increasing number of mobile phones. This presents itself as a major opportunity for your business to flourish if you have used the mobile marketing strategies well.
But you need sms marketing software that works well in communicating with thousands of your customers. The software should enable your clients to respond in easier way. The software is an effective tool that enables you to send short messages instantly to thousands of people from [...] Continue Reading…

Originally posted 2013-08-04 00:04:42.

Get Money Quickly With Cash Loans Online

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Get Money Quickly With Cash Loans Online

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Originally posted 2014-01-11 00:03:42.

How to Learn Conversational Hypnotism

January 24, 2014 at 3:20 am • Posted in Blogs1 Comment

How to Learn Conversational Hypnotism

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M.G. Kidd igor ledochowski

Melissa Kidd has been a gifted writer from an early age and highly enjoys it. At 19 she landed an entry level corporate position at Timex igor ledochowski Corporation. She’s been an administrative professional at a variety of companies for 10 years. She attended Central Connecticut State University, and she’s a psychology major at Grand Canyon University.
[...] Continue Reading…

Originally posted 2013-07-26 11:06:16.

Invisible Dog Fence-The Best Restraint for Escaping Dogs

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

When you need to fully restrain your escaping dogs, invisible dog fence will provide the best solution ever! You will always find that there are invisible dog fences to meet the needs of all those that would like to restrain their dogs.
Do you have dogs that have the tendency to break away from their shackles and to get away from home or from their designated areas? There is no cause for alarms as invisible dog fence offers a perfect solution to enable you restrain your disobedient dogs. When your dog strays, it stands higher chances of being stolen, injured or impounded by the municipal authorities. So as to avoid being on the wrong side of the law, investing in invisible dog fence would be the most ideal solution.
There are options that you can consider when you need to buy invisible dog fences. You may choose to install a pet barrier which is mainly installed on the interior part of the house. Some of these systems can also be installed invisible fence wire outdoors hence you have a choice to pick regardless of whether you are installing on the inside or the outside part [...] Continue Reading…

Originally posted 2013-10-29 06:03:01.

Dental Implants: Advantages of this Amazing Dental Solution

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Millions of people across the nation unfortunately suffer from tooth loss, regardless of how it happens (significant tooth decay, gum disease, injury, etc). Losing teeth can not only diminish the functionality when you eat your food, but it can also decrease your self-esteem, too. No one wants to walk around with teeth missing, especially if that includes the areas of your mouth that are exposed when you smile!
 
Treatment options for tooth loss
For those individuals, bridges and dentures were once the sole treatment options to choose from. Thankfully, with major advancements in the restoration dentistry field, dental implants are now offered. If you or a family suffer from tooth loss, dental implants could be the best dental solution for you.
 
How do dental implants work?
Dental implants are meant to act as a new tooth by fusing with your bone. This makes dental implants a permanent dental solution so you can have full functionality of your teeth once again. They are also intended to Dental IT Solutions support crowns, bridges, or partials so they can be anchored into place.

 
What can dental implants do for you?
Just as other dentistry services offer advantages to our patients, so do [...] Continue Reading…

Originally posted 2013-09-02 19:03:50.

Online Cash Advance Payday Loans

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

 
People may have different needs, they want to be fulfilled. Some needs are very urgent that can not be moved. A person has to find the perfect solution to meet all those needs as quickly as possible. Unnecessary delays may delay your loan application, the more the whole situation even worse. To avoid such trouble, we have come up with new forms of credit. These loans are much faster and easier to get help. These loans are small loans with bad credit known.
Small loans with bad credit are actually very small, but fast cash loans. In this small cash loans is about a few weeks made available without any hassle. These loans are much faster to solve their problems and make you able to solve your problems. The loan assistance in all such loans is usually around $ 3,000. This cash can help to even go beyond this level. But it depends on you and your needs. You get the credit assistance for a period of about 3 weeks. This time is sufficient to solve all your problems.
These loans are a little fast cash loans. These will be approved via the [...] Continue Reading…

Originally posted 2014-01-09 08:04:09.

Quickest Way to Bury Invisible Fence Wire

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Quickest Way to Bury Invisible Fence Wire

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Originally posted 2013-10-14 21:06:27.

Silver And Turquoise Rings

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Silver And Turquoise Rings Sooper Articles Your Best Article Source.. Titles Contents Authors Welcome, Guest Submit Articles Sooper Authors Top Articles Blog Widgets RSS Feeds FAQ Contact Find us on Facebook Follow us on Twitter Article Categories Art & Entertainment Automotive Business Careers Communications Education Finance Food & Drinks Gaming Health & Fitness Hobbies Home and Family Home Improvement Internet Law News & Society Pets Real Estate Relationship Self Improvement ShoppingAppliancesBooksClothingCosmeticsCoupon CodesElectronicsFashionGiftsJewelryProduct ReviewsShoes & FootwearTips & AdviceToys Spirituality Sports Technology Travel Writing Subscribe to Latest Articles Enter your email address: Useful Links For Authors Author Guidelines Article Writing Tips Why Submit Articles HomeShopping ArticlesJewelry ArticlesSilver And Turquoise RingsSilver And Turquoise Rings By Marina Zosa on October 28, 2010 0 The assortment of aqua blue rings is rather uncomplicated. Moreover, the high quality of this breathtaking jewel appeared only to grow on you in your assortment grows. It is possible to [...] Continue Reading…

Originally posted 2014-01-03 12:02:51.

Different States Have Different Rules For Cheap Car Insurance

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Different States Have Different Rules For Cheap Car Insurance Sooper Articles Your Best Article Source.. Titles Contents Authors Welcome, Guest Submit Articles Sooper Authors Top Articles Blog Widgets RSS Feeds FAQ Contact Find us on Facebook Follow us on Twitter Article Categories Art & Entertainment Automotive Business Careers Communications Education FinanceAccountingBankruptcyCreditCredit CounselingCurrency TradingDay TradingDebt ConsolidationInsuranceInvestingLoansMortgageStocksStructured SettlementsTaxesWealth Building Food & Drinks Gaming Health & Fitness Hobbies Home and Family Home Improvement Internet Law News & Society Pets Real Estate Relationship Self Improvement Shopping Spirituality Sports Technology Travel Writing Subscribe to Latest Articles Enter your email address: Useful Links For Authors Author Guidelines Article Writing Tips Why Submit Articles HomeFinance ArticlesInsurance ArticlesDifferent States Have Different Rules For Cheap Car InsuranceDifferent States Have Different Rules For Cheap Car Insurance By Kain Black on September 06, 2012 0 Every driver needs some form of insurance cover if he is to drive on public roads. [...] Continue Reading…

Originally posted 2013-09-24 06:09:44.

Using An Online Cash Advance

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

If you have an expense that you need to take care as soon as possible and you do not have the money right now, one of the options that you can take advantage of is an online cash advance. This is a type of loan that you are expected to pay back as soon as you get your next paycheck. Most of them last for about 14 days before the term expires. This gives you enough time to get your next check and pay back.
A cash advance is a good solution especially for people who have bad credit because the lenders do not carry out any checks. It is easy to get approval for an online cash advance in less than one hour after you make your application.
The application process is simple and all you need to do is look for a reputable site to use. Once you have settled on a particular site, read the application form carefully and then fill it out. Most of the sites do not charge you anything to fill cash advance online http://www.advanceloan.net/cash-advance/ in the forms. Make sure you fill in the form accurately to speed up the [...] Continue Reading…

Originally posted 2013-12-26 09:03:49.

Home Equity Loans: Instant Financial Solution!!

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

The home equity loans are one of the popular loans in Australia. There are number of lenders and major financial institutions that are making these loans available to the people in need of cash. Home owners who have equity built up can avail the home equity loans. These loans are little bit risky as your home is going to be placed as security against the loan amount. The failures in paying the loan amount can result on lose of your home in the home equity loans.
The home equity loans are generally borrowed to meet the large expenses. People who need money to pay off the debts, purchase a vehicle, buy a new piece of land these loans are the best financial help. These loans have low rate of Secured loans using home equity interest as the borrower’s home is placed as security against the loan amount. The interest is tax deductible. The lender is having very less money risk in these loans. Most of the lenders prefer to give home equity loans as they are very secured loans. Online method is one of the most reliable methods to apply for the home equity [...] Continue Reading…

Originally posted 2013-11-21 09:04:20.

Introduction to Ohsas 18001 Management Systems

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Introduction to Ohsas 18001 Management Systems Sooper Articles Your Best Article Source.. Titles Contents Authors Welcome, Guest Submit Articles Sooper Authors Top Articles Blog Widgets RSS Feeds FAQ Contact Find us on Facebook Follow us on Twitter Article Categories Art & Entertainment Automotive BusinessAdvertisingAgricultureBrandingBusiness IdeasCareer DevelopmentCase StudiesConsultingCorporate FinanceDirect MarketingE-BusinessEntrepreneurshipERPEthicsFinancial ManagementFranchisingFund RaisingFurnishings and SuppliesHome BusinessHuman ResourceIndustrial MechanicalInternational BusinessLicensingManagementManufacturingMarketingNetworkingNon ProfitOnline BusinessOrganizational BehaviorOutsourcingPresentationPress ReleaseProductivityProfessional ServicesProject ManagementPromotionRetailSalesSales ManagementSales TrainingShippingSmall BusinessStorage ServicesStrategic ManagementSupply ChainTeam BuildingVenture CapitalWorkplace Safety Careers Communications Education Finance Food & Drinks Gaming Health & Fitness Hobbies Home and Family Home Improvement Internet Law News & Society Pets Real Estate Relationship Self Improvement Shopping Spirituality Sports Technology Travel Writing Subscribe to Latest Articles Enter your email address: Useful Links For Authors Author Guidelines Article Writing Tips Why Submit Articles HomeBusiness ArticlesManagement ArticlesIntroduction to Ohsas 18001 Management SystemsIntroduction to Ohsas 18001 Management Systems By John Iso on March 26, 2012 0 Introduction The industries [...] Continue Reading…

Originally posted 2013-12-20 18:04:31.

ScanGauge II

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet
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Meezer offers a compact and advanced vehicle monitor called ScanGauge II which is an add-on computer with multifunction which can help owners monitor the vehicle’s systems and gives real-time information about the system. This is plugged in to the vehicles On-Board Diagnostics or OBD but only works with OBD-II. Which means, it can only be used with vehicles manufactured from year 1996 up to the present.
Once the device is attached to the OBD-II connector, it will display standard items about the engine system such as speed, gas mileage, throttle and engine revolution per minute, to name a few.
Three main functions:
* OBD-II scanner
* Trip computer
* Real-time gauges
OBD-II Scanner
With the help of ScanGauge II, vehicle owners can scan for Diagnostic Trouble Codes, tell how many are there and identify each trouble codes. These trouble codes can be checked using the repair manual of the vehicles or even through the internet. This device can also clear the trouble codes so the warning lamp turns off, but the trouble codes can be recalled for troubleshooting. Pending trouble codes can also be read and clear out qrae ii by this device. It will also show if the vehicle [...] Continue Reading…

Originally posted 2013-09-21 08:11:02.

Home equity loan : How to get home equity loan

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet
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Home equity loan : How to get home equity loan
In simple terminology, a home equity loan is a loan taken against your house. A home equity loan is also called a mortgage or a second mortgage. Another synonym for home equity loan is equity release schemes.
While taking a home equity loan you are actually borrowing the worth of your house. If the house is completely owned by you, then the term used for home equity loan is “mortgage”, otherwise if your house is not fully paid off but has equity, it is called a “second mortgage”. From now on we will use one term for both to facilitate better understanding. 
We will call them Home Equity Bank Loans. 
A home equity loan is an extra loan that you take against your home in addition to your mortgage; hence this is called a second mortgage. This enables a home owner to encash equity without refinancing the first mortgage. Most people are under the impression that the only way to raise cash is by selling their homes or Refinance Home Loans. However reality differs and factually one can take a second mortgage to free up the first mortgage also.Equity is Secured [...] Continue Reading…

Originally posted 2013-11-26 09:02:37.

Tips To Get Cheap Car Insurance For High Risk Drivers

January 24, 2014 at 3:20 am • Posted in BlogsNo comments yet

Tips To Get Cheap Car Insurance For High Risk Drivers

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Originally posted 2013-11-18 06:05:30.

Can You Learn Conversational Hypnosis?

January 24, 2014 at 3:19 am • Posted in BlogsNo comments yet

There are many people who believe that hypnosis is real. It seems there are an equal number who believe otherwise. The facts may lie somewhere between a desperate longing to escape responsibility for one’s actions by blaming a state of hypnosis and an actual ability to convince someone in a wide awake state that they are in a semi lucid state.
It would certainly be easy to say that hypnosis is a total scam from every angle, if it weren’t for the fact that the concept is used every day, all over the world, for reasons ranging from guided self-help efforts to pain management by medical professionals.
The modern discovery of the existence of hypnosis is largely credited to a Dr. Milton H. Erickson, a medical student that became so fascinated in the way that the mind works, and doesn’t work, that he became a self taught, albeit renowned, psychiatrist. His lifetime of study and body of work would be left behind upon his death in 1980.
He most certainly “discovered” facets about the unique set of mental circumstances that the medical Visit igor Ledochowski hypnosis today http://www.igorledochowskihypnosis.com community was beginning to label as hypnotism. He would [...] Continue Reading…

Originally posted 2013-12-04 02:04:59.

How to Tie High-top Basketball Shoes

January 24, 2014 at 3:19 am • Posted in BlogsNo comments yet

When tying up high-top basketball shoes it’s always best to keep the shoe nice and tight without cutting off circulation. Get the best ankle support with tips from a basketball trainer in this free video on how to tie high-top basketball shoes.

Part of the Video basketball trainer Series: Basketball Tips

How to Teach Children to Shoot Basketball

How to Lace Basketball Shoes

How to Choose a Basketball Shoe

How to Train for Basketball

How to Tie High-top Basketball Shoes

How to Do a Backwards Dunk

basketball trainer

Originally posted 2013-08-03 14:03:42.