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What Is Covered Under Errors and Omissions for Real Estate Agents

Real estate agents can be protected from mistakes made during the course of their business operations or professional services through real estate professional liability insurance. Also termed errors and omissions coverage, this policy will address the legal costs of dealing with a lawsuit brought by current or former clients. In real estate, this coverage is good for appraisers, agents, brokers or other real estate professionals.

Your Covered Services

Those who work in real estate cover a lot of ground. Throughout your activities, your clients expect accurate information and advice on homes or properties they are interested in. In your rush to make sure every client has the information they need, it is possible for you to overlook an important detail or make a mistake on the paperwork. Either of these events could cost your clients money, leading them to file a lawsuit against you. Your professional liability insurance can help with claims related to:

  • Errors
  • Omissions
  • Inaccurate advice
  • Misrepresentation
  • Negligence

Your Covered Costs

The expenses with a lawsuit can devastate your business, but liability insurance absorbs most of these. Coverage can help with court costs, attorney fees, settlements, judgements and administrative costs. However, each policy has a limit on coverage. Speaking to your broker about the maximum payouts allowed on a plan will let you know if your should increase your coverage limits.

How To Elevate Your Taxi Business

Competition in the taxi industry has become fierce over the past decade. If you are trying to figure out how to attract more customers, then methods for boosting taxi businesses for can help your company stand out.

Focus on Innovation

While the act of picking people up and driving them to their destinations seems straightforward, there are innovative techniques that can improve the process. Think about implementing new ideas, such as:

  • GPS units
  • Booking and dispatch software
  • Digital marketing
  • Sustainability

Installing GPS units in your vehicles can help drivers make informed decisions about the fastest routes, while updating your booking and dispatch software can reduce wait times for customers.

Creating or revamping a digital marketing campaign can introduce the company to a new demographic of users.

People are becoming increasingly concerned with environmental issues. Embracing sustainability can not only help the environment but can also appeal to customers.

Improve Customer Service

Building a loyal customer base is a great way to ensure future business. Find ways to improve customer experiences, including:

  • Smartphone apps
  • Advanced training programs
  • Clean vehicles
  • Cashless transactions

Although your company may be in an area with increasing competition, there are many techniques available that can help your company thrive. By implementing innovative developments and focusing on customer service, you can increase brand loyalty and ensure future business.

A Short Guide to Sexual Misconduct Liability Insurance

If you own a business, especially a business that provides aid to the elderly or handles childcare of any sort, it is vital that you have some sort of protection against claims of sexual misconduct. No one wants to think about the possibility of this sort of claim, but the reality is that countless claims of sexual misconduct occur in the United States every year. You may have taken all the possible precautions and done your absolute best to prevent sexual misconduct from occurring in your business. Still, sometimes things just slip through the cracks.

If your business ends up facing a sexual misconduct claim, the financial consequences could be massive. From things like court costs to settlements or judgments, sexual misconduct claims can easily end up costing thousands of dollars that you may not have. This makes sexual misconduct liability insurance a must-have.

What Is Sexual Misconduct Liability Insurance?

Sexual misconduct liability insurance is a specialized type of insurance that is designed to protect businesses from the financial consequences of a sexual misconduct claim. It can cover things like court fees, settlements, and judgments relating to sexual misconduct claims.

How Much Does Sexual Misconduct Liability Insurance Cost?

The cost of this insurance can vary widely. Some factors that affect the price are:

  • Your location
  • Your claim history
  • The size of your business
  • The number of employees you have

Sexual misconduct claims can devastate your business. Sexual misconduct liability insurance can make all the difference.

The Department of Labor Issues Cybersecurity Guidance: What It Means For Your Business Retirement Plan

Retirement plans covered under the Department of Labor’s Employee Retirement Income Security Act of 1974, or ERISA, have assets nearing $9.3 trillion. Those same plans are primarily online, linked to participants’ financial accounts and personal information. Combine this with the 100% rise in ransomware attacks in 2021 compared to 2020, and it’s clear why the DOL has issued cybersecurity guidance. Here’s what you need to know.

Cybersecurity Is Your Fiduciary Responsibility

The fiduciary responsibility to be effective stewards of a business retirement plan has been clearly laid out in ERISA from the beginning. Any of the following personnel are held to its requirements:

  • The plan investment committee
  • Plan trustees, and
  • Plan administrators.

Now the DOL is saying that responsibility extends beyond the passive act of avoiding mismanagement and bad investments into the active realm of protecting data.

How To Use The Guidance

Cybersecurity guidance is a roadmap to making sure you are actively protecting your employee’s data and finances through a three-pronged approach: program best practices, how to hire a service provider with strong cybersecurity and security tips.

Do not treat the guidelines as advice that can be ignored, or implemented as you see fit. To protect yourself from potential lawsuits after a breach, your company should be revisiting your computer policies and cybersecurity to meet each point of the guidance.

A Short Guide To Cargo Insurance Coverage

If you run a business that is responsible for transporting cargo from one location to another, it is important that you are aware of the risks your cargo faces and take the necessary precautions to protect it. A big part of protecting your cargo and your business is having good cargo insurance coverage.

What Is Cargo Insurance?

Cargo insurance is a specialized type of insurance coverage that can help protect the cargo you are transporting from a variety of common risks. It is a vital part of financial risk management for businesses that deal with the transport of cargo.

What Vehicles Can and Cannot Be Insured By Cargo Insurance?

Cargo insurance can be utilized by a number of cargo transporting vehicles. Some of these are:

  • Dump trucks
  • Tractors
  • Trailers
  • Box trucks
  • Cement mixers
  • Cargo vans
  • Flatbeds
  • Car Haulers

Some vehicles cannot be protected by cargo insurance. These vehicles are:

  • Garbage trucks
  • Limos
  • Hearses
  • Buses
  • Passenger vans
  • Ice cream trucks

What Cargo Cannot Be Protected By Cargo Insurance?

While the vast majority of cargo types can be insured by cargo insurance, there are some exceptions. Some of these are:

  • Money
  • Tobacco/alcohol
  • Live animals
  • Explosive or radioactive cargo
  • Jewelry
  • Art

Transporting cargo opens it up to a certain amount of risk. Cargo insurance can help everything run far more smoothly.

A Short Guide To Liquor Liability Insurance

If you own a business that serves alcohol, it is important that you are aware of the potential liability risks that come with serving alcohol to customers. Intoxication can affect many people negatively and cause them to make risky or unwise decisions that you could end up being held liable for. Luckily, liquor liability coverage can help protect you from the financial consequences of over-serving a customer.

What Is Liquor Liability Insurance?

Liquor liability insurance is a type of insurance coverage that is designed to protect your business from the financial consequences of someone getting overly intoxicated at your establishment. It can protect against things like claims of bodily injury or property damage which could end up saving you a lot of money.

What Things Can Liquor Liability Insurance Cover?

Liquor liability insurance can protect against a variety of costs that are associated with claims relating to over-intoxication. Some of these are:

  • Legal costs
  • Settlements
  • Judgments
  • Repair costs for property damage
  • Replacement costs for property damage
  • Medical bills for treating injuries

How Much Does Liquor Liability Insurance Cost?

The cost of liquor liability insurance can vary widely depending on a few factors. Some of these are:

  • Your location
  • Your claim history
  • The size of your business
  • The number of employees you have

Serving alcohol at your business comes with a certain amount of risk. Liquor liability insurance can help.

3 Things Every Teacher Needs To Know About the Teacher Code of Ethics

Teachers are responsible for passing on knowledge to the next generation, but it may come as a surprise that creating lesson plans and grading assignments is only one part of the job. Teachers must also convey to their students, through both words and actions, what it means to be an upstanding member of society. For this reason, becoming familiar with the teacher code of ethics is a necessary component of every educator’s training.

1. What It Is

Teachers are expected to uphold strict moral and behavioral standards both in and out of the classroom. The code of ethics puts these expectations in exact terms, protecting both the teacher and the students.

2. What It Entails

Though it is not an exhaustive list, the teacher code of ethics asks teachers to prioritize their career and public image. Educators should build personal relationships with students while maintaining professional distance, create a welcoming classroom environment, and pursue further education to stay up-to-date on best practices.

3. Why It Exists

Ideally, a code of ethics dispels potential problems before they start. When it fails to prevent a problem, however, it can act as a legal point of reference for all parties involved.

The teacher code of ethics is essential to ensuring quality classroom instruction and a nurturing environment in which students can thrive. By outlining expectations directly, it reduces stress, disputes, and even lawsuits.

3 Reasons To Get Yacht Insurance Coverage

Like all marine vessels, yachts present a unique set of issues which owners and renters face each time they go out on the water. In order to ensure peace of mind, yacht coverage can be tailored to fit your specific needs and allow you to focus on your marine adventures rather than stress about the fallout of potential accidents.

1. It Covers Injuries

Yachts, like other vessels, present the inherent risk of accident and resulting injury. Certain policies protect both the person responsible for the accident, as well as the people or property who are damaged in the accident.

2. It Offers Functional Assistance

Sometimes, even the newest and best-maintained yachts run out of steam. If you ever find yourself stranded on the water, any assistance such as towing the boat or retrieving affected passengers will be covered by emergency yacht coverage policies.

3. It Protects the Environment

All vessels release emissions into the air or water, and yachts are no exception. Despite steps to reduce emissions, accidents and spills can release harmful chemicals into the body of water. Environmental policies cover the costs associated with cleaning up these spills as quickly and efficiently as possible.

No matter the size or function of your yacht, having specialized policies in place affords you, your family, and your crew the opportunity to make the most of your aquatic adventures.

How to Best Protect Your Real Estate Business

The world of real estate can offer a variety of benefits to those looking to turn a profit on an investment. Whether you are an individual agent or someone who runs an entire firm, you might want to take extra care and caution when it comes to making the best decisions for the future of your company. Protecting your real estate company begins with taking out an insurance plan that fits the needs of your industry. Review these tips to learn more about your options.

The Large Problems

One of the biggest issues you are going to want to try and avoid in your industry is a real estate lawsuit. Though no line of work benefits from a sudden lawsuit, you can be sure that the legal troubles found in the world of property development and investments can be significant. To minimize the odds of this happening, you should always stay mindful of the exact laws and regulations dictating your field. The more you know, the less likely it will be that you’ll find yourself in a bind. Other points to consider include:

  • Covering bases with errors and omissions protections
  • D&O coverage
  • Compensation for agents injured on the job

The Future

When it comes to the future of your business, the choices you make now matter. Learn more about insurance options to see how you can succeed.

A Short Guide To Insurance For Volunteer Workers

It is common knowledge that business owners should have insurance coverage to protect them from financial damages. However, many volunteer organizations are not aware that they face many of the same risks. While volunteers are not paid, they still are often in a position to make an error which could result in significant financial damage to the individual worker or the volunteer organization. This is why it is vital to have insurance for volunteer workers.

Volunteer Worker Liability Insurance

Volunteer organizations need to be aware of the liability risks they face when it comes to their workers. Most workers’ compensation policies do not apply to volunteer organizations. If a volunteer worker gets injured on-site, the organization would be held liable for the worker’s medical bills and other injury-associated fees.  Volunteer liability insurance can help pick up these costs.

General Liability Insurance

General liability insurance is a must-have for volunteer organizations. It can protect against a variety of claims regarding bodily injury and property damage.

D&O Liability Insurance

This type of insurance can protect the directors and officers of a volunteer organization. Some of the claims covered are:

  • Wrongful termination
  • Failure to hire/promote
  • Claims of emotional distress
  • Libel/slander
  • Invasion of privacy

Running a non-profit can be just as difficult and risky as running a business.  Insurance can help offer the protection you need.