5 Facts about Environmental Insurance

Environmental insurance is a type of insurance that is designed to help claim for damage or loss resulting from unanticipated releases of pollutants. The damages or losses that result are often property damage, cleanup costs, business interruption, or injuries. Often, people think that they have environmental insurance as part of their policies, but most insurance excludes coverage for pollutants. This article will discuss 5 knowledgeable facts about environmental insurance.Environmental insurance is a type of insurance that is designed to help claim for damage or loss resulting from unanticipated releases of pollutants. The damages or losses that result are often property damage, cleanup costs, business interruption, or injuries. Often, people think that they have environmental insurance as part of their policies, but most insurance excludes coverage for pollutants. This article will discuss 5 knowledgeable facts about environmental insurance.

1. History

Environmental Insurance (aka: environmental impairment liability (EIL)) was introduced back in 1978. Ever since, it has been constantly evolving and offers over one hundred different insurance policy forms today. A market capacity of over $200 million dollars is available for a single risk. Coverage provided by environmental insurance policies vary greatly between each as there are no standards for these coverages offered.

2. Coverages in Environmental Insurance Policy
An insurance policy should outline all coverages for losses or damages that occur as a result of pollutants. Most commonly, an environmental insurance policy will cover:

Damages and losses that are sudden, accidental, or gradual that result from:

• Property Damage

• Clean up Costs

• Business Interruptions

• Injuries

Alternatively, there are some optional insurance coverages that can be included. Some of these include:

• Extra expenses

• Reputational damage

• Fungi/bacteria pollutants

• Clean up costs

3. Environmental Insurance Policy Forms

There are different environmental insurance policy forms all in which serve a different purpose. The three basic environmental insurance policies are:

Contractors LiabilityCoverage for pollution incidents that occur as a result from the operations of those insured as part of the policy.
Professional LiabilityUsually professional liability for these damaged is provided under a professional liability policy.
Environmental LiabilityIs specific for locations included. These include prior knowledge of pollution conditions at the locations.

4. Common Coverage Errors 

Often times there are many errors made when purchasing environmental insurance. Below are some of the common mistakes outlined:

• Failure to include the full effects of pollution within the design of the insurance policy.

• Error in purchasing a policy form that is not for the intended purpose.

• Failure to address pre-existing pollution issues on the environmental insurance policies.

• An underestimation of the effects of pollution exclusions in the policy form.

• A very common problem made by insurance agents is leaving out the part that their customers are ensured for contamination losses.

5. How to Fix the Coverage Errors

There are some things that can be done to prevent these errors from occurring in the insurance coverage. They include:• Make sure that the insurance brokers address the risks to their customer’s. It is important to be informed on the exclusions that can be offered and are available.• Most of what was taught in the past about pollution exclusions was not accurate. There are organizations that help answer questions and give out accurate information.

Environmental insurance is very important to be aware of. It can help you in any instance where this may be an issue. It’s important to keep these 5 important facts about environmental insurance available to help you out when purchasing an environmental insurance policy.

How an Individual Gets Compensation Through a New Accident Claim

If somebody has suffered a personal injury because of somebody else’s actions, then they have the legal right to financial compensation. The law makes this very clear, and one can claim compensation for any type of injury, and for any type of accident.

The claims process itself is straightforward for claimant. Quite simply, it is a case of seeking legal advice with a solicitor, agreeing to take the claim on, signing a conditional fee agreement (no win, no fee agreement), and letting the process unfold. For the solicitor, however, the claims process is a little more complicated. For starters, a legal process must be followed, to satisfy the law, and to build a compelling case for compensation. Also, any new accident claim must be investigated thoroughly by the solicitor. (more…)

Stay Safe with Control Systems for Healthcare Spaces

Nosocomial infection has been recognized as a dangerous and very stubborn infectious pathogen; the irony here is that these pathogens are found most commonly in health care facilities. Patients and individuals with weak immunity system stand a higher risk of contracting diseases caused by these infectious pathogens. They are even more difficult to contain because they are air borne and very resistant to anti- bodies. Since it is almost impossible to cure them, what can be done is to reduce their spread by regulating the room airflow especially in health care facilities. The system installed in health care facilities to effectively do this is the air flow control system.

It is effective at carrying out diverse functions including improving air quality, preventing the spread of airborne pathogens and regulating humidity. Practically what this system does is to neutralize and render microbes sterile. Phoenix Controls Air control systems are specifically designed to actively destroy microbes present in microbial path ways including stairways, lobbies and corridors. (more…)

Auto Insurance Quotes – New Tech Means Ease of Discovery

The internet has made the search for auto insurance quote online a whole lot easier. This is because the best way to protect your vehicle is insuring. There is a handful number of insurance companies out there that offer auto insurance policies, with each having their own coverage rates and plans.

Although, automobile insurance is a must, but that doesn’t mean you should be ripped off, as you can still save a lot on auto insurance. For the most affordable auto insurance quote online, you should consider visiting Bolt Insurance.

By comparing the different auto insurances quotes online, you will begin to have insightful knowledge about the various types of auto insurance policies and their price range. Some auto insurance websites offers people the chance to evaluate auto insurance quote at the lowest possible rate while others offer these service at no cost at all. Since you are looking for the most affordable options, the best bet is to do your comparisons on free auto insurance quotes websites. The opportunity these online searches offer help to minimize costs and saves time. It also offers a better understanding on the various policies and auto insurance quotes on offer. (more…)

How to Keep Your Car Insured At the Least Cost

Given the state of the public transport in the country and the need for round-the-clock convenience, it is the ambition of virtually all middle-class families to own a motor car of their own. However, while purchasing cars has been made relatively easy with the widespread availability of finance, families are often stretched to the limit of their budgets for the operational and maintenance expenses. As a result, getting the car insured at the least cost is something that is extremely useful. Some practical tips:

Declare A True and Fair IDV

The IDV or Insured Declared Value is the value of the vehicle that is covered by the insurance company. If you are buying a new vehicle, it is the cost of the car without any of the charges levied at the dealer point and the cost of the vehicle registration and road tax. At the time of the renewal of the policy, the IDV of the car will stand lowered by the rate of depreciation that is 10% for the first renewal with increases of 5% for each subsequent year, subject to a maximum depreciation of 50% for vehicles that are more than 10 years old.

The IDV is the maximum value that the insurance company will pay in case of a total loss or theft. Make sure that the IDV is correct and not over-stated by mistake as that will lead to the premium being more. You can even ask for a slightly lower IDV but take care not to depress it too much as you will then not get the fair market value as the insurance claim. (more…)

Hire An Auto Accident Attorney Immediately After Recovering From Your Injuries

One of the last things to consider while recovering from car accident injury is having to worry about funds. This is one of the reasons why auto accident attorney offers client a contingency fee basis with regard to their services. Some of the effects of car accidents on the body involve spinal cord injuries. For a chance to be fully protected from auto car accidents caused by someone else’s negligence acts, it is advisable to cooperate with an auto accident attorney.Your lawyer will file a lawsuit against the defendant while you get duly compensated for the injuries or loss incurred. You need to provide your lawyer with factual proof, and witness testimony to help facilitate the case in court.

Spinal cord injury is one of the end results of auto car accidents and it is impossible to undo the pain it brings. Due to technological advances in medical industry, patients can easily get over these injuries in no time at all. Spinal cord injuries require urgent treatment after car accidents but it does not only stop there as continuous treatment is required to ensure full recovery process. In the event that this life threatening injury was a result of the negligent act of an individual, the sufferer has to be duly compensated. Some of the compensation you will receive include medical expenses, lost wages, inability to care for loved ones and much more.

Asides spinal cord injuries, another severe injury sustained during auto car accident is brain injury. Hitting your head against the car window or the windscreen due to the fact that you are not wearing your seat belt is one of the major causes of head injuries in car accident. This can leave you unconscious for a long time, resulting from blood loss and head discomfort. The accident victim may also suffer other health issues such as impaired vision, disabled limbs, visible head deformities and much more. An accident lawyer will carry out an exhaustive analysis into the main cause of the accident. With an experienced auto accident lawyer at your disposal, you can be rest assured that he will handle negotiations with your insurance firms in a more proficient and professional manner. Without a legal representation, most insurance companies may be reluctant in heeding to your request.

Steps in choosing the perfect auto accident attorney

Finding the right lawyer when it comes to auto car accident can be challenging, especially if you haven’t consulted with an auto car attorney. One of the big questions almost everyone is asking is how to go about finding and meeting a reliable accident attorney to handle your case. Here are some helpful tips to follow:

Ask friends and family members

One of the best ways to know how experienced and reliable an auto accident attorney might be is to talk with your loved ones, especially those with a car accident lawsuit. Their responses and experience will determine if you will be hiring their auto attorney.

Online resource

The internet has made the world a global village as it is easy to find what you really want in seconds. Go online and browse through the many local attorneys with skills and experience in auto accidents. Check out their reviews and the satisfactory level of their clients. Don’t be fooled with some of the self-proclaimed endorsements found on some websites. Narrow your search to sites that have proven fact when it comes to delivering high quality service.

Avoid Yellow Pages

A professional auto accident attorney need not advertise himself heavily; rather they let their professionalism and proficiency speak for them. Most of their new clients come from referrals from clients or other lawyers.

Once you’ve found some auto attorney that meets your criteria, it is very essential to do some research work before consulting them. As soon as you’ve found a potential attorney capable of handling your case, call to set up an initial consultation. Most auto accident lawyers offer free consultation to provide clients with what they should expect. With this meeting, you will be able to know if the auto attorney is the right fit for you.

Cases handled by auto accident lawyers

If you have been involved in a car accident, you can file a lawsuit for compensation with the help of an auto accident attorney. A lawyer with in-depth knowledge about the car accident will be able make claims to several aspects of accident related issues such as pedestrian accidents, no fault accidents, drunk driving, wrongful death, bodily injury, underinsured motorist and many more.

Why hire an auto attorney

Finding a reliable accident attorney tends to be challenging. For accidents victims who might have experienced blood loss, head injuries or spinal cord injuries as a result of the negligence act of another individual, it is essential to hire an accident attorney with knowledge and experience to seek compensation. Even if you think you are partially accountable for the accident, you should not hesitate in calling your auto accident lawyer.

What to do after auto accident

Car accidents have resulted into the death of millions of people every year. If you are one of those that survived a car accident but suffer minor injuries, the first thing to do is to seek medical attention immediately. Just a few people have access to health and auto insurance plans to foot the medical bills and other expenses as a result of the car accident. Should you be involved in an accident, it is advisable to never drive away from the scene of the accident. If you do this, you may be held accountable for the cause of the accident even if you are not in any way at fault. Don’t go anywhere. Rather, request a witness to call the authorities.

When involved in an auto accident, do not tackle it yourself rather consult a professional auto accident attorney to handle the tedious legal challenges. This is very important if you want to get fully compensated for the injuries and loss incurred as a result of the accident.

What is the Importance of Insurance for Pub Landlords?

If you are a pub landlord and do the business of serving alcohol then it is important for you to remain aware of the major risks involved in this business. Serving the customer a shot of tequila, a beer, scotch or whisky comes with major risks and therefore it is important for you to take proper risk management measures for safeguarding the work procedure of your pub. You can even have to suffer the complete loss of business if there are suits against your pub and you are not insured for such circumstances. Insurance for Pub Landlords is important because it saves them from unexpected circumstances that might arise when the landlords are sued by a patron or an employee. It has been evaluated that approximately 60% claims placed against nightclubs and pubs are the result of battery or assault. These claims range from employee or customer fights or the customers claiming that the security guard for the pub made use of unreasonable force in dealing with them. Acquiring liquor liability is also very important for protecting against claims that the pub served liquor to a minor or an intoxicated individual. Pub landlords can also be sued for offering liquor to people who might cause injury or harm to someone else.


What Insurance is Needed for a Pub?


Why Your Products Manufacturing Business Needs Liability Insurance Today

Injuries are not only sustained in common accidents such as car crashes and slip and fall mishaps inside someone else’s property. Injuries and other damages may also be incurred when using a defective product. When this happen, injured individuals may file product liability claims to potential liable parties. As it is, product liability refers to the responsibility of a certain entity in-charge of the production of certain goods for any harm a defective product caused. A claim usually arises when a product, which should always meet the consumer’s expectations, has an unforeseen defect or danger.

According to product liability insurance experts, the entities that are part of the chain of distribution of the defective product, from the manufacturer, retailer, supplier, to the wholesaler or distributor, may be held liable for the injuries and other damages incurred by an injured victim. However, determining who the responsible parties in the claim are can be complex, which is why it is imperative for the victim to hire a lawyer.


Product liability claims involve a wide range of products, from motor vehicles such as cars, medical devices, pharmaceutical drugs, products for infants and children, and handheld equipment, to name a few. However, claims of injury and damages caused by defective products can be categorized into three types.