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Pouring Concrete in Cold Weather

Prior to pouring, define the strategies that will be used including materials, forms, testing, and other requirements. Schedule and determine the cold weather protection measurement of the concrete mix.; Keep a well-defined temperature record chart including concrete temperature and exterior temperature.

Actived: Friday Nov 27, 2020

URL: https://www.thebalancesmb.com/how-to-pour-concrete-in-cold-weather-845021

Insurance Conditions: What Are They?

Details: Insurance conditions are requirements that need to be met for the coverage to be valid. They may address issues like how notice of a claim should be given and what the insured party should do in the event of a loss.

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How Should You Insure Your Home-Based Business?

Details: Commercial Auto Insurance . Many home-based businesses use vehicles in their day-to-day operations. Business owners should not rely on a personal auto policy to insure business-use autos unless they have verified with their insurer that those vehicles are covered.Personal auto insurers generally won't insure vehicles registered to a business (other than a sole proprietorship).

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Types of Insurance Nonprofits Should Consider

Details: Property Insurance . Many small nonprofits do not have much in the way of business property. That said, some of the worst claims I’ve seen have been property related: pipes bursting in an office, windstorm, fire, hail damage, theft, and vandalism. If you have any property that is key to your organization, please keep property insurance in

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What Is the Insurance Services Office (ISO)?

Details: The Insurance Services Office, or ISO for short, is an insurance advisory organization that provides statistical and actuarial information to businesses. ISO focuses on property/casualty insurance, including both personal and commercial lines.

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Defense Base Act Insurance: What Is It?

Details: Defense Base Act insurance covers civilian employees working in foreign countries in support of the military. It's a type of workers' compensation insurance, and it applies to employees regardless of their nationality. This insurance can be purchased through approved insurance companies, and contractors can also request approval to self-insure.

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Insurance Binders: What Are They?

Details: An insurance binder is a temporary insurance policy. It’s typically replaced within 30 to 90 days. An insurance binder is issued when a policyholder needs evidence of coverage. It includes general information about your business and your policy, including policy limits and other coverage information.

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Insurance Coverages Needed by a Bar - The Balance Small

Details: Property Insurance . Commercial property insurance will protect your business from losses resulting from physical damage to property you own. Such property may include the building where your bar operates and personal property you use in your business. Many bar owners obtain property insurance as part of a package policy.

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What Is Delivery Driver Insurance?

Details: Insurance Services Office Inc. (ISO) is the organization that provides the standard policy forms for insurance businesses. The ISO commercial auto policy is also called the Business Auto Policy, so they are one and the same.

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Liability Coverage and the Duty to Defend

Details: Like most types of liability insurance, the standard ISO general liability policy imposes two obligations on the insurer. First, the insurer must indemnify you (or pay on your behalf) the cost of damages or settlements that result from a claim or suit covered by the policy.

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Avoid These Mistakes When Filing Insurance Claims

Details: Cooperating with the insurer is a condition of coverage in many business insurance policies. For instance, the ISO commercial property form states that you must cooperate with the insurer in the investigation or settlement of the claim.

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Types of Insurance You Need For Your Restaurant

Details: Insurance can protect you and your business against myriad problems from broken equipment to liability lawsuits. Depending on where you live, you might be required to carry certain types of insurance for your restaurant. You'll also have to carry certain types of insurance to satisfy your bank loans and mortgage terms.

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Difference Between a Named Insured, Insured, and

Details: The scope of coverage afforded to a party under a liability policy varies depending on whether that party is a named insured, an insured, or an additional insured.

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Workers Comp Coverage for Executive Officers and Other

Details: Finally, workers compensation insurance provides medical, disability, and other benefits to injured workers. When deciding whether to opt in or out of workers compensation coverage, executive officers and other principals should evaluate other possible sources of benefits. Examples are health, disability, and accident insurance.

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How Insurance Rates Are Regulated

Details: The insurance department is headed by a commissioner. Depending on the state, the insurance commissioner may be appointed or elected. All states regulate the rates used in some types of insurance. The extent of regulation varies widely from state to state. Some states exert very tight control while others impose very little.

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The 10 Most Common Business Insurance Claims

Details: What types of insurance claims do small businesses file most often? Which are the most costly? A claims study performed by The Hartford, a financial services company, in 2015 provides some answers.The insurer analyzed claims data from over one million policies purchased by small business owners. The data covered five years and applied to liability, auto, and property claims.

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What to Know About Home Office Insurance

Details: Before buying insurance for your home office, you should assess your risks. First, take an inventory of all the property you use in your business, including computers and software. Next, you'll need to determine the replacement cost of your business property. You can check the prices of new furnishings and equipment at your local office supply

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Business Insurance for Your Home-Based Business

Details: Liability Insurance . Liability insurance protects the business when it is liable for damages caused to another or another's property. This type of business insurance is necessary if visitors will visit the house. Your homeowners' policy will not protect you from claims made by injured business visitors.

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Insure Your Business Against Earthquake Damage

Details: The Insurance Information Institute states (using residential figures) premiums run thirty to sixty cents per $1,000 in the East, while similar coverage runs three to fifteen dollars per $1,000 in the West. Earthquake insurance carries a percentage deductible ranging from 10 - 15%. This means if the business suffers an earthquake loss of $1

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Political Risk Insurance: What Is It?

Details: Political risk insurance protects businesses operating in emerging markets from losses caused by political violence or government acts. Political risk can affect manufacturers, exporters, lenders, investors, and non-profit organizations.

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Business Insurance for a Lodging Establishment

Details: Property Insurance . Any lodging establishment needs commercial property insurance to safeguard the business against losses caused by damage to buildings and contents. Many lodging businesses obtain property insurance as part of a package policy. Some insurers offer policies that are specifically designed for small motels, inns, B&Bs and

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A Glossary of Common Insurance Terms

Details: Business insurance uses many terms, acronyms, and jargon. Here you'll find explanations for the most commonly used terms related to business insurance.

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Business Insurance Resources and Advice

Details: Liability insurance is called a third-party coverage because it covers claims filed by someone other than the insured. There are three types of liability insurance that are often purchased by businesses: general liability, umbrella liability, and errors and omissions liability. General Liability Insurance

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Public Liability Insurance: What Is It?

Details: Public liability insurance covers the cost of claims made by the public that happen in connection with your business. It helps to cover the costs for personal injuries, loss or damage to property, and death. Businesses typically choose general liability insurance rather than public liability insurance since it's more comprehensive.

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Insurance Company Financial Ratings

Details: Insurance company ratings reflect insurers' financial ability to pay claims. They are not a measure of the quality of insurers' claim handling services. The fact that an insurer can pay claims does not mean it will do so efficiently or effectively. Article Table of Contents Skip to section.

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Hard or Soft Insurance Market

Details: A hard insurance market is characterized by a high demand for insurance coverage and a reduced supply. Insurers impose strict underwriting standards and issue a limited number of policies. Premiums are high and insurers are disinclined to negotiate terms.

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Types of Business Property Insurance Coverage

Details: Crime Insurance . Commercial property insurance also includes crime coverages. While most commercial property policies cover losses caused by theft, they exclude thefts committed by employees.   Moreover, most policies exclude money and securities under the definition of "covered property."

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Covering an Additional Insured on Commercial Liability

Details: This limit represents the amount of insurance that remains to pay damages because of other injury or damage that occurs during your policy period. Endorsement Limitations on Commercial Liability . In recent years, new restrictions have been added to additional insured endorsements. Many endorsements now limit coverage to claims alleging injury

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Why Farmers Should Purchase Livestock Insurance

Details: This insurance is typically used to cover domesticated animals such as cattle, sheep, pigs, and horses. However, it may also be used to insure more exotic creatures like bison, llamas, and alpacas. There are several types of livestock insurance. The kind of coverage a business needs depends on the varieties of animals it owns and the purpose

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Choosing the Right Insurer

Details: Cost . The cost of an insurance policy can vary widely from one insurer to another. There are a number of factors that affect the policy premium. These include the rates charged, the limits provided, the scope of coverage included, and discounts provided by the insurer.Be sure you are comparing "apples to apples" when assessing quotes.

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Why You Need Business Insurance

Details: Business insurance is a broad category of insurance coverages designed for businesses. It is also called commercial insurance. Businesses buy insurance to protect themselves against financial losses resulting from lawsuits or physical damage to company-owned property.

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Insurance Agent Legal Obligations: What Are They?

Details: Insurance Agent Licensing . All states require insurance agents to obtain a license to sell insurance. The type of license an agent needs depends on the kind of insurance the individual intends to sell. For instance, an agent who wants to sell life and health insurance will need life and health licenses.

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6 Reasons Every Tenant Should Have Renter's Insurance

Details: What Is Renter's Insurance? Renter's insurance is a policy available to people who rent out property. Since the tenant does not own the actual property they are renting, this insurance protects the contents of the tenant's apartment and offers liability coverage if issues arise.

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What Does a Cyber Liability Policy Cover?

Details: Cyber liability insurance covers financial losses that result from data breaches and other cyber events. Most cyber policies include both first-party and third-party coverages. Some coverages may be included automatically while others are available "a la carte."

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Do You Need Special Event Insurance?

Details: Special event insurance is a must if your business plans to sponsor an event and has not already purchased a general liability policy. Many venue owners will not rent their facility to you unless you provide proof of liability insurance. Moreover, claims or suits by injured attendees can be costly, particularly for a small business.

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Other Insurance Clauses: What Are They?

Details: Most insurance policies offer coverage on a primary basis, but some events generate claims that are a better fit for other coverage. For example, general liability policies typically pay second if a property policy also covers the same damage. Other insurance clauses vary depending on the policy language.

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Insurtech: What Is It? - The Balance Small Business

Details: Insurtech—short for "insurance technology"—is a broad category of constantly changing technologies used in the insurance industry. Any technology that's used by an insurance company to increase the efficiency of its operations could be considered insurtech.

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Coinsurance: What Is It?

Details: Coinsurance is cost-sharing between an insurance company and the policy owner. In property insurance, it means buying a policy that covers a specified percentage of the replacement value. In health and dental insurance, coinsurance is the percentage of costs you cover out-of-pocket.

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How Your Business Benefits from Product Liability Insurance

Details: Product liability insurance protects a company against claims or suits arising from the company's products, whether they were made by the company or sold by them. This form of insurance covers a manufacturer's or seller's liability for bodily injury or property damage sustained by a third party due to a product's defect or malfunction.

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Wrongful Death and Liability Policies

Details: Marianne Bonner, CPCU, ARM, worked in the insurance industry for 30 years. Now she consults and writes about commercial insurance. Read The Balance's editorial policies. Marianne Bonner. Updated February 03, 2020 Your company has been sued for wrongful death. The suit was filed after a vehicle owned by your company was involved in an auto accident.

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The Different Types of Business Insurance You May Need

Details: A business property insurance policy pays for damages to your business property resulting from a covered loss. The policy not only protects your place of business but also your contents including office furniture, computers, your business inventory and other items essential to your business operations.

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Insurance Fraud Is Not a Victimless Crime!

Details: Insurance fraud is a major problem in the United States. About 10% of all property and casualty claims are fraudulent, according to the Insurance Information Institute. Fraudulent claims cost an estimated $32 billion a year. These costs are borne by insurers, insurance buyers, and the general public.

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Buying Insurance Online - The Balance Small Business

Details: Disadvantages . Purchasing insurance on the Internet has some disadvantages. For one thing, you may have difficulty obtaining insurance online if your business is new, has a poor loss history, has unusual characteristics, or performs risky operations (such as roofing or tree trimming).

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Insurance Coverage for Electronic Data Processing – EDP

Details: Insurance Policy Covered Property Most EDP policies cover damage to equipment, data, and other items described in a section entitled Covered Property. Policies typically cover three categories of property: computers and other hardware, electronic media, and data (including programs and software).

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Directors and Officers Liability Insurance

Details: Directors & Officers Insurance Directors and officers liability (D&O) coverage is a type of errors and omissions insurance . It protects directors and officers from lawsuits filed by shareholders, regulators, state investigators, or other third parties.

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Fire Insurance for Your Business - The Balance Small Business

Details: A business that has no fire insurance will have to pay for repairs and fire department service fees out of pocket. If the business lacks the financial resources to pay these costs, it may be forced to cease operations. By purchasing adequate fire insurance, a company can significantly improve its chances of surviving a large fire loss.

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Aircraft Liability and Hull Insurance: What Is It?

Details: To protect themselves, businesses should buy aviation insurance. There are two main categories of coverage: aircraft liability insurance and hull insurance, which covers physical damage to the aircraft. They can be purchased together or separately, and in a variety of iterations.

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Commercial Auto Liability Exclusions

Details: Commercial auto liability insurance is covered under Section II of the standard Business Auto Coverage Form.It protects your business against third-party claims for bodily injury or property damage sustained in an auto accident. In most states, your business is obligated by law to purchase auto liability coverage if it owns cars or trucks.

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Employee Benefits Liability Coverage

Details: EBL insurance excludes any liability you may have as a fiduciary under the Employee Retirement Income Security Act (ERISA). A fiduciary is someone who has discretionary control over benefit plans and their assets. EBL coverage also excludes claims stemming from poor financial advice or predictions of performance.

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Business Insurance Coverages for Your Church

Details: Sources of Coverage . Churches have several potential sources of insurance coverage. Very large churches may save money on insurance premiums through self-insurance.Small or mid-sized churches may purchase coverage from a standard property-casualty insurer or a specialty insurer like Church Mutual and Brotherhood Mutual. Both standard and specialty insurers have developed insurance programs

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