Tower Insurance claim #76693370 10th July ‘07
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Tower Insurance claim #76693370 Advanced Asssessing Ltd.Ref:07070705CR
Duration : 0:0:45
Contractor Insurances
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http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube
0845 643 1580
Info@tarpon-uk.com
Insurances
Why do I need insurance cover?
Attitudes to insurance vary. Some believe it to be a ‘necessary evil’ whilst others have a strong belief in the protection of their business, which insurance affords. An insurance policy is a legal contract which must be expressed in relatively complex legal terms. It is a promise to provide compensation for something which may never happen. Any contractor, without adequate insurance, risks the success of his business.
Types of insurance available
There are various types of business insurance available, the most common types to contractors are:
• Employers Liability
• Public Liability
• Professional Indemnity
Employers Liability Insurance
Most employers are required by the law to insure against liability for injury or disease to their employees arising out of their employment. Employers Liability Insurance covers your business if an employee is injured or falls ill at work. Employers’ Liability Insurance will meet the cost of compensation for injuries sustained to your employees (or illnesses), whether caused on or off site.
By law, an employer must have and be insured for at least £5 million. Most insurers automatically provide cover of at least £10 million. When you take out a policy you will receive a certificate of employers’ liability compulsory insurance. You must display a copy of this where employees can easily read it and keep copies for at least 40 years or risk a fine. You need to make these certificates available to health and safety inspectors on request.
Public Liability Insurance
Public liability insurance covers claims made against your business, if its owners, directors or employees are shown to be responsible for personal injuries to a third party or damage to property.
Public liability insurance is a core cover of many types of insurance; indeed you are usually unable to buy employers liability cover without it. Public liability covers the Business to a certain limit of indemnity. This is usually £1m, £2m or £5m and occasionally £10m
• Example:
Whilst at a customer’s site, you accidentally knock over a cup of coffee, and the contents pour down the back of a computer, damaging it beyond repair. Public liability insurance would cover any claim from the customer.
Professional Indemnity Insurance
This protects your business against compensation sought by a client if you have made mistakes or are found to have been negligent in some or all of the services that you provide for them. Professional indemnity insurance will also cover any legal costs.
Without Professional Indemnity Insurance companies would expose themselves and run the risk of being sued for all sorts of claims. One important aspect to bear in mind when considering professional indemnity insurance is that you need to be covered both at the time of the event and when the claim is made. This is because there can often be a long delay between an event and a subsequent claim.
• Example:
A negligent act, or error made during the course of your duties
So, in summary…
…whether you are setting up your own limited company or using the services of an umbrella company always ensure that you have adequate cover for the nature of your business
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Duration : 0:3:52
GEICO Car Insurance Commerical Spoof
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This is the commercial spoof that we made for an Economics project. It has to do with the mob. But during filming we had the Police called on us. You can see them after the credits.
Duration : 0:4:21
How much car insurance do I need? Advice from Jim Walker
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Walker Texas Lawyer, a prominent Houston Personal Injury Attorney and
Car Accident Lawyer gives his professional legal advice on how much and what kind of car insurance Texas Drivers need to carry to protect
themselves and their families.
Jim Walker is an experienced Houston
accident attorney who handles personal injury lawsuits involving car
accidents, motorcycle accidents, boating accidents, PWC accidents and
ATV accidents. He is experienced in personal injury law, medical
malpractice, nursing home abuse, and workers compensation.
Jim Walker is rated one of the top personal injury lawyers in Houston by Inside Houston Magazine and his Houston law firm, Walker and Crawford P.C., has been voted Houston law firm of the year for three years.
For more information or if you have a legal question regarding car insurance, contact Walker Texas Lawyer at 800-732-2934 or at www.walkertexaslawyer.com.
Duration : 0:1:31
Get Cheap Home and Auto Insurance Quotes The Easy Way
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http://lowerratequotes.com/homeowners-insurance.html - Looking for cheap home and auto insurance quotes? This video explains where to get them quickly and easily
Duration : 0:2:16
Dave Ramsey–Term vs Cash Value Life Insurance
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myspace.com/buildingupmiddleamerica. Short clip from very successful financial adviser Dave Ramsey’s live radio show where he talks about why term life insurance beats cash value 100% of the time. Cash value being Whole Life, Variable Life, Universal Life, etc. Term life insurance is a very important part of a successful financial game plan.
Duration : 0:4:11
How to File an Insurance Claim
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October 2006 (Medialink) — The best time to learn how to file an insurance claim is before you actually have to file one. The process may go smoother and your insurance company may be able to settle your claim quicker if you are prepared.
Being prepared means knowing what your policy covers. It’s recommended that you review your policy with your agent once a year. It’s possible your coverage needs have changed. Or, you may want to adjust your deductible.
If you do need to file a claim, the process is generally a simple one. Most insurance companies offer 800 numbers. You may also be able to file the claim online.
After you file a claim, be prepared to answer questions from an insurance adjuster. The more information you can provide, the smoother your claim may go.
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Produced for Allstate Insurance Company
Duration : 0:2:0
Direct Line Gravity Insurance
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I’d been wondering what worse-case scenarios various insurance companies would cover - polar bear attacks, Viking pillaging sprees, extreme bird poo damage - that kind of thing. And then I found this one: Direct Line will cover your house + contents in the event that gravity stops working! Brilliant! I signed up straight away.
Duration : 0:0:34
Car Insurance? What for?
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http://utubia.instantmessengermovie.com
He’s lost in the virtual reality, asking… Is this what they call bureaucracy? Is this the modern world? What is this redtape?
Duration : 0:3:47
Should I get Gap Insurance? Advice from Jim Walker Attorney
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Walker Texas Lawyer , a prominent Houston Personal Injury Attorney and Car Accident Lawyer give his professional legal advice on whether or not Texas drivers should get gap insurance. Jim Walker is an experienced Houston accident attorney who handles personal injury lawsuits involving car accidents, motorcycle accidents, boating accidents, PWC accidents and ATV accidents. He is experienced in personal injury law and gets results for his clients. Jim Walker is rated one of the top personal injury lawyers in Houston by Inside Houston Magazine, and his Houston law firm, Walker and Crawford P.C., has been voted Houston law firm of the year for three years. For more information or if you have a legal question regarding car insurance, contact Walker Texas Lawyer at 800-732-2934 or at www.walkertexaslawyer.com.
Duration : 0:1:13