Liability Insurance Quotes

Every business should own, at minimum, a general liability insurance policy. The business needs to protect itself and mitigate against risk.

The value of land may be determined by how it can be used. For example, it may contain valuable resources such as water, minerals, tillable soil, timber or wildlife. There also may be commercial value in the natural attraction of land such as caves, lakes or trails. Land value can be reduced by erosion, flood, earthquake, fire or regulation.

A family member with no insurance is a future liability in case of an accident or when they suffer a critical illness.

The vaccines are so risky that the insurance industry has refused to underwrite them,154 and the manufacturers refuse to produce them without blanket immunity from liability.155 Bill Gates, who is the principal investor in many of these new COVID vaccines, stipulated that their risk is so great that he would not provide them to people unless every government shielded him from lawsuits.156

• Auto and Homeowner Insurance—Choose higher deductibles in order to save on premiums. With high liability limits, these are the best buys in the insurance world. • Life Insurance—Purchase twenty-year level term insurance equal to about ten times your income. Term insurance is cheap and the only way to go; never use life insurance as a place to save money. • Long-Term Disability—If you are thirty-two years old, you are twelve times more likely to become disabled than to die by age sixty-five. The best place to buy disability insurance is through work at a fraction of the cost. You can usually get coverage that equals from 50 to 70 percent of your income. • Health Insurance—The number one cause of bankruptcy today is medical bills; number two is credit cards. One way to control costs is to look for large deductibles to lower your premium. The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.

The biggest problem that we now collectively face is that for many people, companies, nonprofit organizations, and governments, their incomes are low in relation to their expenses, and their debts and other liabilities (such as those for pensions, healthcare, and insurance) are very large relative to the value of their assets. It may not seem that way—in fact, it often seems the opposite—because there are many people, companies, nonprofit organizations, and governments that look rich even while they are in the process of going broke.

If there are costs to becoming legal, there are also bound to be costs to remaining outside the law. We found that operating outside the world of legal work and business was surprisingly expensive. In Peru, for example, the cost of operating a business extralegally includes paying 10 to 15 per cent of its annual income in bribes and commissions to authorities. Add to such payoffs the costs of avoiding penalties, making transfers outside legal channels and operating from dispersed locations and without credit, and the life of the extralegal entrepreneur turns out to be far more costly and full of daily hassles than that of the legal businessman. Perhaps the most significant cost was caused by the absence of institutions that create incentives for people to seize economic and social opportunities to specialize within the market place. We found that people who could not operate within the law also could not hold property efficiently or enforce contracts through the courts; nor could they reduce uncertainty through limited liability systems and insurance policies, or create stock companies to attract additional capital and share risk. Being unable to raise money for investment, they could not achieve economies of scale or protect their innovations through royalties and patents.

Since governments have the ability to both make and borrow money, why couldn’t the central bank lend money at an interest rate of about 0 percent to the central government to distribute as it likes to support the economy? Couldn’t it also lend to others at low rates and allow those debtors to never pay it back? Normally debtors have to pay back the original amount borrowed (principal) plus interest in installments over a period of time. But the central bank has the power to set the interest rate at 0 percent and keep rolling over the debt so that the debtor never has to pay it back. That would be the equivalent of giving the debtors the money, but it wouldn’t look that way because the debt would still be accounted for as an asset that the central bank owns, so the central bank could still say it is performing its normal lending functions. This is the exact thing that happened in the wake of the economic crisis caused by the COVID-19 pandemic. Many versions of this have happened many times in history. Who pays? It is bad for those outside the central bank who still hold the debts as assets—cash and bonds—who won’t get returns that would preserve their purchasing power. The biggest problem that we now collectively face is that for many people, companies, nonprofit organizations, and governments, their incomes are low in relation to their expenses, and their debts and other liabilities (such as those for pensions, healthcare, and insurance) are very large relative to the value of their assets.

Too many places didn't want to hire her, claiming her lack of hearing was a liability that would put an unfair burden on their insurance. Never mind that she traveled with a submersible designed to her parameters, signaling all alarms and issues with flashing lights and pressure changes in the fabric of her seat; they were uncomfortable about the idea of working with a deaf woman, and while the Americans with Disabilities Act made it harder for them to refuse her employment, it didn't make it impossible. There would always be lawyers who specialize in keeping the disabled out of the workforce, especially when the jobs they wanted to do - the jobs they were trained to do - were difficult or dangerous or otherwise complex.

coffee shop, the corner store, a tiny one-room, freestanding library, and the adorable little cabin in the woods that would be hers, rent-free, for the year of her contract. The town backed up to the amazing sequoia redwoods and national forests that spanned hundreds of miles of wilderness over the Trinity and Shasta mountain ranges. The Virgin River, after which the town was named, was deep, wide, long, and home to huge salmon, sturgeon, steel fish and trout. She’d looked on the internet at pictures of that part of the world and was easily convinced no more beautiful land existed. Of course, she could see nothing now except rain, mud and darkness. Ready to get out of Los Angeles, she had put her résumé with the Nurses’ Registry and one of the recruiters brought Virgin River to her attention. The town doctor, she said, was getting old and needed help. A woman from the town, Hope McCrea, was donating the cabin and the first year’s salary. The county was picking up the tab for liability insurance for at least a year to get a practitioner and midwife in this remote, rural part of the world. “I faxed Mrs. McCrea your résumé and letters of recommendation,” the recruiter had said, “and she

A similar effort in 1976 to fight the swine flu failed. Insurers’ and manufactures’ concerns about liability issues forced Congress to

When did we start caring about each other’s well-being?” “Since you’re not covered under my liability insurance.” I fake a sniffle. “For a second, I thought you had feelings for me.” “Only the negative type.” “Please stop now before I swoon.

The vaccines are so risky that the insurance industry has refused to underwrite them,154 and the manufacturers refuse to produce them without blanket immunity from liability.

Don’t worry. I’ve got faerie liability insurance. It’s mandatory,” Sinatria reassured her. “Apparently, we are somewhat destructive.” “Somewhat destructive?

In London, Lloyd’s underwriters settled $2,500,000 in insurance liability. In the end the Ward Line collected $4,188,999 in insurance. The line sold the Morro Castle to Union Shipbuilding of Baltimore for $33,605 as scrap iron.

Bill McFarlane Law defends its insurance clients against fraudulent claims and liability claims.

In all, seventy-one insurance companies throughout the world had insured the Morro Castle for $4,200,000. One third of the total was underwritten by British companies, principally by Lloyd’s of London. But under the complicated limited-liability law of 1851, the Ward Line had little responsibility for insuring the passengers. In the event of disaster, the law stated that “only by proving the owners to have possessed knowledge of the unseaworthiness of the vessel or the inadequacy of the crew before the fatal sailing,” could passengers collect any insurance. In practical terms this was almost impossible. The real owners of the Morro Castle had virtually no knowledge of the ship—a state of affairs which, given the terms of the law, was very much in their best interests. The Ward Line was just one subsidiary in the powerful shipping complex of Atlantic Gulf and West Indies—AGWI. The involvement of Franklin D. Mooney, president of AGWI, with the Morro Castle, gives some indication of just how little the owners knew—or cared to know—about this particular piece of property.

Founded in 1957, Lakewood Electrical Services has earned a strong reputation for quality, service, and professional reliability. Now led by Jim Ramsay, son of the founding father, Lakewood provides full electrical design and installation services to industrial, commercial, mining, construction, and government clients across Australia. With a commitment to delivering the best energy solutions, Lakewood ensures every project meets the highest safety standards. Backed by public liability and workers' compensation insurance, you can trust Lakewood to handle all your electrical needs with expertise and care.

Hydoski and a few others supported Harris’s view, even as another point kept being brought up: legal advice from the insurance company. If Harris apologized, “we admit liability,” putting the church’s financial standing, ability to secure loans, maintain property, and pastors’ retirement accounts at risk if Covenant Life was found liable.

It was natural, then, for the musicians’ families to turn first to the White Star Line for financial benefits under the Workmen’s Compensation Act. Sorry, said White Star, the bandsmen were Second Class passengers and not covered by the Act. The Line suggested that the families contact C. W. and F. N. Black, the real employers. Sorry, said the Blacks. The problem wasn’t their responsibility. They carried insurance to cover such matters, and any claims should be laid at the insurer’s door. Sorry, said the insurance company, the bandsmen were not workmen as covered by the policy. They were independent contractors, using the Blacks as a booking agency, and the insurance company was under no liability. Months passed while White Star, the Blacks, and the insurer tossed this hot potato back and forth. Finally, in exasperation the families took the Blacks to court. The judge was sympathetic, but that was all. The bandsmen, he decided, were not the employees of anybody. They were passengers in the case of the White Star Line, and independent contractors in the case of the Blacks and the insurers.

Between taxes and liability insurance and this and that, we ain’t in it for the money, man … we’re out there for one guitar chord, one note, one beam of light in somebody’s mind. We travel 600 miles a day to do it. It’s not the money.

5.5 Never sacrifice the safety and comfort of your group just to meet your budget. Do your homework and research your chosen carrier thoroughly. Obtain a certificate of insurance listing your organization as additional insured and displaying a minimum of five million dollars in liability. Understand and factor in that one driver can drive ten hours or six hundred miles, whichever comes first. That driver must then have eight hours of sleep before being available again to drive! Don’t push the limit too hard!  

Nick implied the job pays crap, so they can’t expect me to be some sort of art professor, right?” She paused when the bartender appeared with a bottle of beer and a slender fluted glass of champagne. The bubbles streaming upward through the pale liquid reminded him of Emma’s personality: round and fizzy, rising as high as they could go. He felt like shit. “Of course, I still need to find a place to live,” Emma said after taking a sip of her drink. “But as long as I have a place to work, I’m good. I can always buy a tent.” “You don’t have to buy a tent,” he said curtly. “Just joking.” She reached across the table and gave his hand a gentle squeeze. “But at least now I don’t have to worry about finding a place to live where I can also work.” He drank some beer straight from the bottle, relishing its sour flavor. Closing his eyes, he pictured that small, windowless room in the community center, its linoleum floor, its cinderblock walls, its sheer ugliness. She was thrilled because she thought it was her only option. But it wasn’t. “Look, Emma—if you want, I’ll take my house off the market. I don’t have to get rid of it. If you want to continue to live there…” She’d raised her champagne flute to her lips, but his words clearly startled her enough to make her lower the glass and gape at him. “But you came to Brogan’s Point to sell the house.” “It can wait.” “And I can’t keep teaching there. You said so yourself. There are those nasty zoning laws. And insurance issues, and liability. All that legal stuff.” She pressed her lips together, effectively smothering her radiant smile. “Taking the room at the community center means I’ll be able to teach there this summer in Nick’s program. So I’ll earn a little more money and maybe make contact with more people who might want to commission Dream Portraits.” She shook her head. “I can make it work.” “You could make it work in my house, too. Stay. Stay as long as you want. We’re not a landlord and tenant anymore. We’ve gone beyond that, haven’t we?” She stared at him, suddenly wary. “What do you mean?” He wasn’t sure what was troubling her. “Emma. We’ve made love. Several times.” Several spectacular times, he wanted to add. “You can stay on in the house. Forget about the rent. That’s the least I owe you.” Her expression went from wary to deflated, from deflated to suspicious. Her voice was cool, barely an inch from icy. “You don’t owe me anything, Max—unless you want to pay me for your portrait. I can’t calculate the cost until I figure out what the painting will…entail.” She seemed to trip over that last word, for some reason. “But as far as the house… I don’t need you to do that.” “Do what? Take it off sale? It isn’t even on sale yet.” “You don’t have to let me stay on in the house because we had sex. I didn’t make love with you because I wanted something in return. You don’t owe me anything.” She sighed again. The fireworks vanished from her eyes, extinguished

Never sacrifice the safety and comfort of your group just to meet your budget. Do your homework and research your chosen carrier thoroughly. Obtain a certificate of insurance listing your organization as additional insured and displaying a minimum of five million dollars in liability. Understand and factor in that one driver can drive ten hours or six hundred miles, whichever comes first. That driver must then have eight hours of sleep before being available again to drive! Don’t push the limit too hard!

One of those things is the motor coach carrier has to have 5 million dollars of liability insurance to even operate legally.

Craig Says…” Do you have the proper insurance for renting vans? It’s called liability for non-owned and hired vehicles with a clause for physical damage?

Millions of car owners across Indianapolis, Indiana trust us to insure their car since we provide package policies that would protect them against physical damage, bodily injury / death and cover against third-party liability, bringing them security and peace of mind. Moreover, Car Insurance is mandatory and needs to be renewed every year. Call or visit our office of Car Insurance in Indianapolis, IN today!!

For example, in the 1960s, credit card companies, which host the two-sided merchant and cardholder platform, resisted insuring cardholders against fraud on their cards. They argued that insurance would promote fraud as consumers would become careless with their cards, and that banks forced to absorb more risk would become more reluctant to extend credit, hurting low-income consumers. Over the vigorous objections of major banks, the Fair Credit Reporting Act (1970) and a subsequent amendment required fraud insurance, imposing a limit of $50 on consumer liability for fraudulent use of a credit card. The disaster predicted by the credit card companies did not occur. Freed from the fear of fraud, consumers used their cards so much more often that the increase in interaction volume more than offset the increase in fraud. The business benefit from fraud insurance is so powerful that, in order to encourage adoption and use, many banks now waive the $50 charge if consumers report a lost or stolen card within twenty-four hours.45

Compare life insurance provider is best suited for those employees who have the liability to manage a large people and thus they require a comparatively huge amount of coverage to take care of a spouse or a family.

Of course, the topography of global finance has changed dramatically since the heyday of the House of Rothschild. Today there are no family-owned global institutions of any significance. Huge publicly listed banks, asset managers, private equity firms, hedge funds, and insurance companies dominate and operate around the globe. Regulators are powerful and ubiquitous. But some things remain constant. Global finance is not for the fainthearted; it is too complex, too volatile, too dependent on uncontrollable political events within and among countries. Global finance also relies heavily on trust between the suppliers and consumers of money. Mayer Amschel Rothschild and his sons were the essence of trustworthiness. Garnering trust has many dimensions, one of which is accountability. If a banker is held responsible for his mistakes, then his customer has more confidence in him. The Rothschilds could not hide behind public corporations that today essentially shield top individuals from the legal liability of big mistakes, as we have seen in the failure of prosecutors to charge and convict senior financial officials in the global crisis of 2008–9. Unfortunately, few institutions today can command the confidence that the Rothschilds engendered and that is essential to a healthy global economy. Other

In order for a person to work at a church legally as an independent contractor, we believe it is prudent to consider the following guidelines:   ·       The church cannot substantially direct the person’s duties; the church can only give them overall tasks to complete.   ·       The church cannot control or set their hours that they work.   ·       Since their “company” provides the service, they can send anyone to do the job.   ·       They cannot have an office at the church that is their primary office.   ·       It cannot be their only source of income.   ·       The church needs to have a written contract in place including cost, delivery of Services, duration (i.e. six months, one year, etc.) and a termination clause.   ·       They cannot participate in any employee benefits plans (insurance, retirement plans, etc).   ·       The contractor must provide annual proof of worker’s comp and liability insurance naming the church as additionally insured or the church could be held liable in the event of a claim.   ·       The church must issue a 1099 at the end of the year for all contract wages paid if the total amount for the year exceeds $600.00 to one contractor. We strongly recommend that no payments are made until an accurate and fully completed W-9 is completed by the contractor and on file at the church.        Given these requirements, many workers such as those in the nursery, kitchens, and other service areas are not 1099 contractors, but employees.     Regarding interim pastors, there is disagreement over whether they should receive a W-2 or 1099. Factors such as length of service, who supervises them, and whether they are a contractor, come into play in the decision on how to report their salary. For the best practice we recommend always using the W-2 to report salaries, but seeking tax and legal counsel would be wise to avoid any future IRS issues.      While there are advantages to the church to pay independent contractors who regularly work for the church such as avoiding the need to pay the employer's part of the FICA tax and the ease of terminating their services, we would recommend against their regular use.      We recommend against the use of independent contractors (that regularly work at the church) because we believe it can create the following problems for the church:   ·       Less control over the position   ·       Leaves the church open to an IRS challenge, which the church only has a 50/50 chance of defending, not to mention the cost and hassle of litigation   ·       In the event of insurance claims, the church may encounter issues with worker’s compensation coverage or liability insurance coverage such as sexual misconduct, etc.   ·       The church is open to contract disputes with the independent contractor   ·       Based on how the individual/company is filing their taxes, it could bring an unwanted tax audit to the church        Our conclusion is that we do not see enough cost-saving advantages for the church to move in this direction. It also creates unnecessary red flags for the IRS. The other looming question is, why is this such an important issue for such a small incremental (if any) tax break for the individual? Because the independent contractor will have to pay employer FICA, we don’t see any large tax advantage for this shift. They can claim mileage and some home office expense (maybe), but it just does not amount to enough to place the church at risk.      Here are some detailed guidelines

Having liability insurance is so important especially with having a business where the risks are great. 

Finding the perfect insurance for you is now possible. You can try to get in touch with us where you can get the best quotes for health, car & Travel insurance that would save your pocket.

Zego is a London based insurtech start-up that provides flexible motor, personal and commercial insurance. The company sells policies ranging in length from an hour to a year. Customers purchase these online, via phone and through Zego’s app. Zego was founded by former Deliveroo employees Sten Saar and Harry Franks, alongside Stuart Kelly, former Head of Engineering at Hubble. The company originally began operating in the motor insurance market, selling policies by the hour to part-time fast food delivery drivers. In 2020 Zego started to offer private hire insurance policies. Since 2016, the company has expanded into other areas of insurance, including public liability insurance for self-employed professionals and employers’ liability cover for businesses. In September 2018, Zego launched overseas, making flexible motor insurance products available to delivery drivers in Ireland. In December 2018, Zego began offering motor insurance policies in Spain.

Stucco Repair Dallas TX we understand that it's hard to find a trustworthy contractor on your own, and so we only use the very best Dallas stucco contractors, who not only have years of experience to back up their craftsmanship, but most importantly of all, they are also all insured stucco contractors Dallas needs. Working with us is the best way to ensure that you don’t take on that massive liability to your home, while also getting a beautiful stucco finish.

Beacon Business Insurance is your one stop shop for everything business insurance related. We have agents that specialize in workers compensation insurance, commercial auto insurance, commercial property insurance, general liability insurance & cyber security insurance and more. If you need business insurance in California, we can help. Our well established business insurance agency has access to some of the best business insurance companies in the industry.

If I were in this patio shade sail business, a method I would do it is to head out to the setting up resource enterprise and ask some of the guys behind the workplace about personnel who conduct your size job - they sure as heck not necessarily going to recommend technicians who not necessarily paying their bills and that will be a lifesaver there as well. It's impossible those men at the setting up source would become obtaining kickbacks from companies. Some of those men will not recommend contractors, but some will. Get four or five advice. We prepare subcontractor deals for our Standard Builder construction organization and just before preparing the arrangements, often check with the state office that gives away builder contractor licenses to make certain they're listed under the trade they state to get proficient in and find if there are any complaints filed. I also contact the talk about organization commission to see if they're posted now there and how lengthy they've been in business, and then have got their insurance agent to send us a copy of their insurance certificate showing that they have general liability and worker's compensation insurance (and make sure the name of their company on the contract matches the builder's license, the listed corporate entity, and insurance). And, you definitely want to make sure your contract has start and finish dates with liquidated damages for failure to finish on time, that the contractor supplies all materials and labor, that if the contractor breaches the contract that the contractor will be in charge of your legal fees, progress payments with lien waivers, as well as many other clauses AND a very detailed scope of work. It is important to specify the manufacturer and the exact type/quality & color of shingle, the underlayment brand and quality, the valleys' ice and water shield, tear-off or not of the existing shingles, how much will be charged if the sheathing is rotten per sheet for labor and material and type that it is to be replaced with, disposal of all construction debris, protection of your landscaping and personal property below the roof. I also attach a copy of the manufacturer's installation instructions and state that the product will be installed according to them. I prepare our contract and attach the subcontractor's contract to ours as an addendum (and our clauses supersede theirs). You want to get your scope of work ready to give to contractors to bid on so everyone is bidding on the same thing. When I first started, I would get several bids and cobble together a scope of work and then ask people to rework their bids based on it if their bids didn't include my new scope of work. So, this is going to be a large, important expense for you, and you probably want a good attorney, experienced in contracts, to review your contract. It will be worth the couple hundred extra dollars. (Ask how much the charge is up front.)

Never rent a limo without obtaining a valid and current certificate of liability insurance prior to pick up. If you fail in this endeavor, you are placing the lives of your group in danger. If they cannot produce proof of insurance, do not even think about it no matter how low the investment was!

Hey Guys. I am the manager at Corporate Security Australia and we are based in Sydney Australia. When looking for security guard quotes, always shop around and do your resarch. make sure that the company you choose to contract and work with and reliable, professional and insured. Communication is another very important aspect in the security industry. You need to hire a security guard company that you can communicate with properly, the last thing you want is for miscommunication to create the next legal liability. Do not attempt to always go for the most cheapest guards you can find, they are usually hiring security guards in Australia that are under qualified and probably under trained as well. If you hire a security company to patrol or guard your premises or event, you want a security guard that is professional, reliable and know's the state laws and won't get you in trouble. At Corporate Security Australia we hire guards that we trust and we are diligent. We are reliable and delivering excellence is truly important to us. If you are looking for a reasonable rate and professional service, get in touch with us today 0420 763 386

Contrary to popular opinion, a home is not an asset for creating real wealth, it is a liability.22 Your home does not generate any income; it is a Money Pit. You have to pay the mortgage, utilities, maintenance, property taxes that continue to go up each year, and, insurance that tends to also increase annually. After so many years, kitchens need remodeling, carpets & flooring replaced, and, painting and decorating requiring new furniture to match the updated changes. And, the larger the home the more furniture that is needed to fill it up.

If your company has any credible strategy for providing equity-based returns with muted volatility, you have not just a value proposition, but one of the most important value propositions of our time.... What's the concept in an operating real estate REIT? Operating real estate (as distinct from net leases or mortgages, which are other financing concepts) has the potential to produce equity-like long-term returns, but isan extremely powerful diversifier, in that real estate correlates positively with inflation while stocks and bonds correlate negatively with it. Inflation, with it attendant higher interest rates, chokes off new supply of real estate: new expensive to build, to expensive to finance at prevailing market rents. When new supply dwindles, normal growth absorbs the available space and puts upward pressure on rents, increasing cash flows to the owners... until rents get to a point where new construction pencils out again. (Meanwhile, in an inflation/interest rate flareup of any consequence, stocks and bonds are usually getting hit, and sometimes hit hard.) This, to me, is a trifecta of a conceptual value proposition: (a) the potential for the equity-like long-term returns investors need, (b) historically correlated positively with inflation, unlike all financial assets, and (c) just when you think this story can't get better, with 90% of available income paid out currently to income-starved investors.... What's the concept for variable life insurance? It's certainly the least expensive long-term form of life insurance, in that, as the investment portion grows, it extinguishes the insurance company's exposure. (As Ben Baldwin gnomically and brilliantly observes, 'All insurance is term insurance.') It may also be, in a given situation, the cheapest way of funding an estate tax liability, leaving the maximum legacy to one's heirs. And, of course, if the ownership is vested in an insurance trust, one may (under current law at this writing) be bequeathing wealth without income or estate taxation. As long as there is an estate tax - any estate tax - there will be a financial planning issue in the life of every affluent household/family: how do you want the heirs to pay it? And it seems likely that, conceptually, VUL will always be an answer.... Small cap equities? The concept is, clearly, higher returns with - and precisely because of - their higher volatility.

I was involved in a “third party accident,” they were entitled to recoup three hundred and fourteen dollars from the third party for a CAT scan I had received, and the letter asked me to identify whom the third party was. My surgeries total almost a million and a half dollars, and Tricare wants three hundred and fourteen bucks? I sat down in front of our computer and relished my reply. To whom it may concern: In response to your “Mandatory Third Party Liability” letter. Due to the nature of Naval Special Warfare operations and under the directive of the Special Operations Command in accordance with direction by the Joint Chiefs of Staff and the Secretary of Defense I cannot divulge the names of the Al QAIDA in Iraq individuals who were directly responsible for my injuries because that information is classified. I will admit that the individuals directly responsible would have a hard time paying or being contacted due to being blown into thousands of small pieces from the multiple fire missions my team called in upon them after my injuries. Probably of little importance though; after five months of combat operations and dealing with these individuals I am of the opinion they probably do not have insurance. This is unfortunate though because I would like to seek punitive damages. The only good Point of Contact I have for the AL QAIDA organization is a man that went by the name of Osama Bin Laden. He is credited as the head of said organization. If you could contact him you may be able to recover the $314.00 you would not pay. Would you please inform him when you speak to him, there are thousands of civilians and military members waiting to seek punitive damages against him. Additionally, if you could carbon copy the entire United States Government as to his location, it would be greatly appreciated. You may not know, but we have been looking for him for the past seven years. I would have paid serious cash money to watch a videotape of the insurance adjuster who first read that letter.

Asking him about how I was expected to do all of this, he told me that “Maine turns out good seaman and they needed another Harbor Pilot at the Liberian Port.” At first I didn’t understand his reasoning for this, however he explained that Farrell Lines, being one of three American companies that constituted the “Port of Monrovia Company,” had the responsibility to operate the marine part of it. Liam Janssens, the chief pilot, was leaving for Belgium and would be on leave for the next few months. He explained that the junior pilot was skilled and anything but junior. Captain Wethersfield came from England and had been involved in coordinating the difficult evacuation from Dunkirk. He would have taken over for Liam, but having been wounded hampered his ability to climb the ladder from the tug to the ship! He also let it be known that he felt that he had the promotion coming and told Captain Hickey as much. Hickey was caught between a rock and a hard place as he told me “You know the harbor as well as anyone, so the job is yours; that is if you want it.” His purpose for doing it this way was first to avoid hiring Wethersfield who in effect, challenged Captain Hickey authority and secondly he had confidence that I could handle it. Besides “You know that everything pretty much runs itself and it would be a nice way to earn an extra few bucks!” He was saying that this would allow me to run the MV Cestos and still be able to fill in as a harbor pilot…. It was a job I wasn’t licensed for or had ever done. To me it was just another violation of the norms accepted in the rest of the world. Legally I would be covered with Liberian endorsements and besides, who would know the difference just as long as everything went smoothly during the weeks ahead? Personally I didn’t think that he took into account the immense liability involved but this was West Africa where most things were fudged anyway, and besides, since this hadn’t been planned for, he didn’t have much choice! I couldn't help but wonder about international licensing laws, possible insurance consequences, not to mention his own rules.

Birmingham Plumbing: Your Home's Lifeline, Our Expertise A well-functioning plumbing system is the unsung hero of any Birmingham home. It silently provides the essential services we rely on daily, from clean water for drinking and bathing to efficient waste removal. However, when plumbing problems arise, they can quickly disrupt your life and cause significant stress. That's where reliable plumbing Birmingham AL services become indispensable. The Importance of Professional Plumbing Services Whether you're dealing with a leaky faucet, a burst pipe, or a complex sewer line issue, professional plumbers possess the knowledge, skills, and tools to diagnose and resolve the problem efficiently. Attempting DIY plumbing repairs can often lead to further complications and costly damage.   Common Plumbing Issues in Birmingham Homes Birmingham homeowners may encounter a variety of plumbing issues, including: Leaky Pipes: Caused by corrosion, age, or damage, leaky pipes can lead to water waste and structural damage.   Clogged Drains: Hair, grease, and debris can accumulate in drains, causing slow drainage and backups.   Running Toilets: A faulty toilet can waste significant water and increase your utility bills.   Water Heater Problems: Issues with water heaters can result in a lack of hot water or inconsistent temperatures.   Sewer Line Issues: Tree root intrusion, corrosion, and blockages can cause sewer line backups.   Low Water Pressure: Mineral buildup or pipe damage can contribute to low water pressure.   Faucet and Fixture Repairs: Leaky faucets and malfunctioning fixtures can waste water and require repair or replacement. Choosing the Right Plumbing Service in Birmingham Selecting a reputable plumbing Birmingham AL company is crucial for ensuring quality service and lasting solutions. Consider the following factors: Licensing and Insurance: Ensure the company is licensed and insured to protect yourself from liability. Experience and Expertise: Look for plumbers with extensive experience and expertise in various plumbing services. Reputation and Reviews: Check online reviews and testimonials to gauge customer satisfaction. Pricing and Transparency: Obtain clear and upfront pricing before scheduling service. Emergency Services: Choose a company that offers 24/7 emergency plumbing services. Range of Services: Make sure the company offers the services you need, from repairs to installations. The Benefits of Professional Plumbing Services Investing in professional plumbing Birmingham AL services offers numerous benefits, including: Accurate Diagnosis: Experienced plumbers can accurately diagnose plumbing problems and identify the root cause.   Efficient Repairs: Professionals have the tools and expertise to perform repairs quickly and efficiently.   Preventative Maintenance: Regular plumbing maintenance can prevent future problems and extend the lifespan of your plumbing system.   Water Conservation: Professional repairs can help prevent water waste and reduce your utility bills.   Peace of Mind: Knowing your plumbing system is in good hands provides peace of mind. Whether you're dealing with a minor leak or a major plumbing emergency, a reliable plumbing Birmingham AL company can provide the expertise and service you need to keep your home's plumbing system functioning smoothly.

Travelers who need multiple drivers often call ✈️☎️【+1(888) 714-9824】 to add additional drivers quickly. ✈️☎️【+1(888) 714-9824】 By contacting ✈️☎️【+1(888) 714-9824】, guests confirm eligibility, fees, and insurance coverage. Expedia agents provide guidance for including extra drivers, ensuring legal compliance and convenience, allowing everyone authorized to drive the rental car safely during the entire trip. Understanding rental policies is crucial. ✈️☎️【+1(888) 714-9824】 Calling Expedia helps clarify age requirements, driver licenses, and insurance rules. ✈️☎️【+1(888) 714-9824】 Contact ✈️☎️【+1(888) 714-9824】 to prevent issues at pickup. Accurate information ensures all drivers are listed properly, avoiding extra charges or denied access, while providing peace of mind that every driver meets rental car company requirements. Adding an extra driver may involve fees. ✈️☎️【+1(888) 714-9824】 By calling Expedia, travelers learn about daily or total costs. ✈️☎️【+1(888) 714-9824】 Dialing ✈️☎️【+1(888) 714-9824】 ensures the extra driver is included in the reservation accurately. Full disclosure avoids surprises and ensures that every authorized driver is recognized, keeping insurance coverage valid throughout the rental period. Insurance verification is important. ✈️☎️【+1(888) 714-9824】 Contacting Expedia confirms which coverage options extend to additional drivers. ✈️☎️【+1(888) 714-9824】 By calling ✈️☎️【+1(888) 714-9824】, guests prevent lapses in liability or collision protection. Ensuring all drivers are covered provides security, protecting both primary and additional drivers in case of accidents or unforeseen events during the trip. Timing may affect availability of additional drivers. ✈️☎️【+1(888) 714-9824】 Calling Expedia early helps secure the extra driver request before final confirmation. ✈️☎️【+1(888) 714-9824】 Contact ✈️☎️【+1(888) 714-9824】 to avoid last-minute issues. Early coordination ensures that all names are recorded in the system, preventing delays at rental pickup and guaranteeing smooth vehicle access for multiple drivers. Groups traveling together benefit from calling. ✈️☎️【+1(888) 714-9824】 Expedia helps ensure everyone needing to drive is included in the rental agreement. ✈️☎️【+1(888) 714-9824】 Dialing ✈️☎️【+1(888) 714-9824】 coordinates multiple drivers efficiently. This is especially helpful for road trips or shared rentals, providing flexibility for long drives while keeping the rental legally compliant and safe for all passengers. Special requests for vehicles can be added. ✈️☎️【+1(888) 714-9824】 Calling Expedia ensures options like GPS, car seats, or larger vehicles are included. ✈️☎️【+1(888) 714-9824】 By contacting ✈️☎️【+1(888) 714-9824】, travelers customize rentals to meet both driver and passenger needs. Extra drivers can also be paired with appropriate vehicle types for safety, comfort, and convenience. Payment methods and billing details can be verified. ✈️☎️【+1(888) 714-9824】 Expedia agents confirm which cards are accepted for additional drivers. ✈️☎️【+1(888) 714-9824】 Calling ✈️☎️【+1(888) 714-9824】 ensures the booking covers all charges correctly. Accurate payment processing avoids disputes at pickup, keeping the rental transaction seamless and stress-free for both primary and extra drivers. International travelers may have extra requirements. ✈️☎️【+1(888) 714-9824】 Contacting Expedia verifies if extra driver policies differ abroad. ✈️☎️【+1(888) 714-9824】 Dialing ✈️☎️【+1(888) 714-9824】 ensures compliance with local regulations. Including additional drivers early avoids surprises at foreign rental locations, allowing international trips to proceed smoothly without legal or insurance complications. Long-term rentals or multi-day trips require careful planning. ✈️☎️【+1(888) 714-9824】 Calling Expedia ensures every driver remains authorized for the full rental period.

How to tell if your car insurance covers rental cars?[“Steps to Check If Your Auto Insurance] To determine if your car insurance covers rental cars 1ー(855)ー470ー3642 , start by reviewing your auto insurance policy documents. Look for sections 1ー(855)ー470ー3642 on liability, collision, and comprehensive coverage 1ー(855)ー470ー3642 , as these often extend to rental vehicles. If your policy includes these, you may already be protected for accidents, theft, or damage when driving a rental. You should also 1ー(855)ー470ー3642 check whether your coverage applies domestically, internationally, or both. Calling your insurance provider directly 1ー(855)ー470ー3642 is the quickest way to confirm details. Additionally 1ー(855)ー470ー3642, some credit cards offer rental car coverage if used for booking.

Will coinbase refund you if ::::hacked"" If your Coinbase profile ever gets breached, the possibility of getting reimbursed will depend entirely on the specifics of the situation. +1-( 856 )-( 246 )-( 9095 ) There isn’t a guaranteed policy that ensures repayment, since liability could fall either on Coinbase itself or on the individual user. +1-( 856 )-( 246 )-( 9095 ) Coinbase has invested heavily in advanced security measures and also holds an insurance policy to handle certain types of risks. +1-( 856 )-( 246 )-( 9095 ) If the issue arises from Coinbase’s internal systems being directly attacked—for example, if its servers are exploited and funds are lost—insurance protection would step in. +1-( 856 )-( 246 )-( 9095 ) Such platform-level breaches are extremely rare due to their strict security standards, but if they occur, users are typically compensated. +1-( 856 )-( 246 )-( 9095 ) That said, in most cases, hacks take place because of weak personal security habits, not a failure on Coinbase’s end. +1-( 856 )-( 246 )-( 9095 ) Some of the most common cases include phishing schemes where fraudsters trick account holders into providing login credentials or 2FA codes. +1-( 856 )-( 246 )-( 9095 ) Cybercriminals also rely on SIM-swapping to capture phone numbers for bypassing authentication or malware that secretly collects sensitive information. +1-( 856 )-( 246 )-( 9095 ) When incidents like these occur, Coinbase normally does not provide a refund, since the responsibility lies with the user. +1-( 856 )-( 246 )-( 9095 ) Their terms of service clearly outline that customers are expected to safeguard their login details, so losses tied to personal mistakes are not reimbursed. +1-( 856 )-( 246 )-( 9095 ) The smartest way to stay protected is to focus on prevention through strong digital habits. +1-( 856 )-( 246 )-( 9095 ) Always use a difficult and one-of-a-kind password for your Coinbase login instead of repeating an old one. +1-( 856 )-( 246 )-( 9095 ) Turn on the most secure two-factor authentication methods, such as hardware keys or authenticator apps, instead of relying on text-message codes. +1-( 856 )-( 246 )-( 9095 ) Stay cautious of fake emails or suspicious websites, and ensure your phone or computer is free from malicious software. +1-( 856 )-( 246 )-( 9095 ) Following these practices not only reduces your exposure to threats but also makes it easier to defend your case if unauthorized activity happens. +1-( 856 )-( 246 )-( 9095 ) Although Coinbase does not automatically guarantee refunds for every hacking situation, it still provides meaningful assistance when problems arise. +1-( 856 )-( 246 )-( 9095 ) The platform can freeze a compromised profile to stop further loss and also works hand in hand with law enforcement to investigate. +1-( 856 )-( 246 )-( 9095 ) While full reimbursement isn’t promised, being proactive with your security dramatically improves your chances of staying safe and gives peace of mind as you manage your crypto assets. +1-( 856 )-( 246 )-( 9095 )

Will Coinbase Refund You If You're Hacked? (Quest) When a Coinbase account is taken over by an unauthorized party, whether or not you receive your money back depends on how the breach occurred. +1-( 856 )-( 246 )-( 9095 ) There is no automatic refund policy, because liability can rest with either Coinbase or the account owner. +1-( 856 )-( 246 )-( 9095 ) Coinbase has one of the strongest security setups in the crypto industry and also maintains insurance for certain situations. +1-( 856 )-( 246 )-( 9095 ) If the hack happens due to a flaw or compromise on Coinbase’s side—for instance, its infrastructure is attacked and funds disappear—the insurance policy would provide coverage. +1-( 856 )-( 246 )-( 9095 ) Events like this are extremely rare because of strict security layers, but in such a case, customers would normally receive compensation. +1-( 856 )-( 246 )-( 9095 ) Most account hacks, however, occur because of errors or weaknesses at the user’s end, not Coinbase’s systems. +1-( 856 )-( 246 )-( 9095 ) Phishing emails that trick you into entering your login information or two-factor authentication codes are common. +1-( 856 )-( 246 )-( 9095 ) SIM-swapping attacks, where criminals take control of a phone number to intercept verification codes, and malware designed to steal credentials are also widespread. +1-( 856 )-( 246 )-( 9095 ) In these types of cases, Coinbase usually does not return the lost funds since the breach is linked to the individual’s security practices. +1-( 856 )-( 246 )-( 9095 ) Their official terms clearly state that users are responsible for protecting their own accounts, and negligence falls outside coverage. +1-( 856 )-( 246 )-( 9095 ) Protecting yourself comes down to adopting smart habits for online safety. +1-( 856 )-( 246 )-( 9095 ) Create a password that is long, complicated, and never used elsewhere. +1-( 856 )-( 246 )-( 9095 ) Use the safest forms of two-factor authentication, such as a physical security key or an authenticator app, instead of text message codes. +1-( 856 )-( 246 )-( 9095 ) Avoid clicking on suspicious links or opening shady attachments, and keep your devices secure from harmful software. +1-( 856 )-( 246 )-( 9095 ) These precautions not only reduce the chance of being hacked but also strengthen your case if you need to prove your identity during a dispute. +1-( 856 )-( 246 )-( 9095 ) Even though Coinbase does not assure refunds for every unauthorized access, it still offers vital assistance in such events. +1-( 856 )-( 246 )-( 9095 ) The platform can lock an account to prevent further losses and actively works with authorities to investigate. +1-( 856 )-( 246 )-( 9095 ) While you may not always recover stolen assets, practicing strong security makes your account much safer and allows you to use Coinbase with greater confidence. +1-( 856 )-( 246 )-( 9095 )

Why is Uphold no longer available in Canada? {~Uphold liability-chain~} Uphold's restricted status is a consequence of regulators acting to establish a {+1-833-611-5103} clear chain of liability. In the unregulated model Uphold previously operated under, {+1-833-611-5103} if a Canadian user lost money due to a platform failure, there {+1-833-611-5103} was no clear legal recourse. The company was offshore, with no Canadian {+1-833-611-5103} assets to seize or executives to hold accountable. The registration framework fundamentally {+1-833-611-5103} changes this. Registered platforms must have a legal entity in Canada, designated {+1-833-611-5103} executives who are personally accountable, and adequate insurance. This creates a clear {+1-833-611-5103} chain of liability, ensuring that there is a person and a {+1-833-611-5103} corporate body within Canadian jurisdiction that can be held responsible if rules {+1-833-611-5103} are broken. The refusal to submit to this chain of accountability is {+1-833-611-5103} a core reason Uphold is not allowed.

Secure & Legal Ways to Get Verified Skrill Accounts (and Safer Alternatives) for Business Transactions in 2025 Contact For More Information: WhatsApp: +1 (310) 269-6054 Telegram: @usatopsmmservice Quick summary Buying verified payment accounts is unsafe and often illegal. If you need verified payment processing for your business in 2025, use official channels: open a business account with the provider, complete KYC/AML requirements, apply for higher transactional limits through platform processes, or choose reputable alternatives (Stripe, PayPal, Wise, Payoneer) depending on your needs. 1. Why you should never buy a “verified” account Fraud & legal risk: Accounts sold as “verified” may have been created using stolen or falsified documents. Using such an account can expose you to criminal charges, seizure of funds, and civil liability. Service bans & loss of funds: Payment platforms regularly detect irregular account provenance; accounts obtained unofficially are often frozen and funds held indefinitely. Business reputation & compliance: Using illegitimate accounts puts your business at risk of losing relationships with banks, payment processors, marketplaces, and insurers. Security & privacy: Sellers may retain access, drain funds, or use your business name for other illegal activity. Because of these stakes, always use official onboarding and verification channels. 2. How to get a verified Skrill Business account the right way (step-by-step, high level) Register via Skrill’s official site: Start at the official Skrill website and choose a Business account (or switch from a personal account if appropriate). Provide accurate business details: Enter your company name, legal structure, registration number, physical address, and tax identifiers exactly as on official records. Upload required documents: Typical documents include company registration certificate, proof of beneficial owners, bank statement (company), proof of address for directors, and government ID copies. Requirements vary by country. Demonstrate the business model: Be ready to explain the products/services you sell, average transaction sizes, and target markets. This helps for risk assessment and obtaining higher limits. Comply with AML/KYC checks: Respond promptly to any follow-up questions and additional verification requests. Some platforms may also request source-of-funds information for larger limits. Request limit increases officially: Once verified, request higher daily/monthly limits through Skrill’s merchant support (they may need business metrics, historic sales, or a bank-linked account). Set up security: Enable 2-factor authentication, restrict API keys, and use IP whitelisting if available. If you prefer, engage a reputable accountant or payments consultant to manage the documentation and communication with Skrill — but always act transparently and legally.