Why opt for construction liability insurance

Construction liability insurance alleviates any losses which may occur in a construction project. These usually include material damages, where the construction and erection works are being insured, but can also be extended to include construction machinery, equipment and installation, clearance of debris, etc.
Construction liability insurance has recently become a major concern of many Irish construction companies, not without reasons. The fatality rate in the Irish building industry is among the highest in Europe for instance, in 2001, 28% of all workplace fatalities occurred in this particular sector. Even if occupational accidents do not result in death, however, injuries are often very serious, including blindness, amputations, head injuries, disfigurement. These can result from numerous site accidents, damaging persons as well as the construction works: explosions, equipment malfunctions, slips and falls, poor safety and quality standards, poor construction control. Construction liability can cover all these risks and thus solve many legal and occupational problems. It is therefore an easy and economical solution to a number of construction-related issues.
As more companies begin to realize the importance of construction liability insurance, their demands are growing as regards its coverage, indemnity, and specific terms. Like with other public liability insurances solutions, some companies now offer customized policies for construction liability insurance. Keystone Insurance (keystone.ie), for instance, has recently gained popularity for supplying insurance solutions from a selected range of Irish and UK insurers to the Irish construction industry and to multinational construction companies operating in Ireland.
The company provides the possibilities for companies to easily arrange their first-time construction liability insurance. Quotes are prepared within only a few hours, and cover details can be negotiated over the phone. If desired, the insurance policy may be paid by direct debits over as many as ten equal installments, to facilitate cash flow and company operations.
Keystone also offers construction insurance renewal for companies willing to ensure they get the best possible value for money by preparing quotations specifically designed to meet a company s unique needs. If a construction company s policy is close to renewal, but it is not happy with its current insurer, Keystone can negotiate renewal with both the existing provider of the construction liability insurance and alternative ones, in order to be able to offer the company the best possible option when renewal time comes.
The construction liability sector is certainly still to see a lot of development, as demand grows and companies require policies tailored to their operations and specific risks. This development has already started, as is evident from the services offered by Keystone Insurance, and will hopefully bring lots of benefit to constructors, their employees and customers alike. Public Liability Insurance



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Medial Insurance Policies and Medical ID Fraud

We are all aware of the rampant crime of Identity Theft. And if you are one of the millions who have had this happen to you and have had to unravel the tangles of trumped up credit card charges and worse, then you know how destructive this crime can be. But health insurers like Blue Cross and Blue Shield are reporting a rise in a new spin on the crime. Medical ID Theft; and it can have devastating consequences not only on your finances but also on your health.
Many people with health insurance fail to realize that their insurance card is as valuable, maybe even more valuable then their credit card. When it comes to paying for medical expenses, depending on the limits of your policy, a valid Blue Cross Blue Shield Card can be like holding a platinum Amex Card with A Million-Dollar credit limit. And if you are not aware of this be assured that thieves and unscrupulous medical providers certainly are. According to Byron Hollis, The National Anti Fraud Director with the Blue Cross and Blue Shield Association, "It s an old problem that people are becoming more aware of " According to the World Privacy Forum since 2002 it has received more than 20,000 complaints of Medical ID theft, in ever increasing annual numbers. The most obvious way that medical ID theft occurs is if someone simply steals your insurance card and begins using it to procure medical services. This can mount up in a dangerous way, because again, most consumers are just not aware how important a lost insurance card can be, and will not report it immediately like they will a credit card. As the thief continues to rack up bills for illegitimate expenses the problem becomes twofold, not only in fraudulent charges being billed against your medical insurance policy, but the thief may confuse your medical history with their own, by ordering tests and medications that you do not require. This can have a serious impact on your future healthcare.
But perhaps more insidious is when the theft occurs when you use your health insurance benefits legitimately at the office of a medical provider and that information is lifted by an unscrupulous employee and sold on the open market. Many hospitals and HMO s are implementing plans to fight Medical ID Theft, in the meantime if you want to be sure your information has not been hijacked, ask you healthcare provider for the most recent copy of your medical records, and ensure that all of the procedures, treatments and history of your conditions are indeed yours. Check all of your bills meticulously and look for any fraudulent charges. And protect your Health Insurance numbers and ID Cards just as you would your credit cards and Social Security Number.
If you suspect you have been a victim of Medical ID Fraud first contact your Insurance Company and ask to speak directly to their Anti-Fraud unit, then contact the police, and lastly you may want to contact your medical provider, but experts agree that since they may be involved in the crime, it is best to contact them LAST, after the police and your health insurance company so as not to tip the hand of the possible perpetrator.
Didier Moujaes is a Certified Financial Planner and Chartered Financial Consultant. Together with his partner created InsuranceBuddget.com, an insurance marketing company which represents several top rated medical insurance carriers offering affordable health insurance plans in all 50 states. To read more about medical identity theft and other insurance articles, visit the website.



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What to Know When Making a Truck Insurance Claim

While most truck drivers are very careful, various circumstances can lead to accidents and truck damage claims. This is, after all, the reason why truck insurance exists. It is important to be aware of the process involved in making a truck insurance claim, as well as procedures to be followed on the scene of the accident.
In the end, the claims process is relatively simple. The driver files a claim and the truck insurance provider sends a claim adjuster to inspect damages, after which the truck insurance claim is processed and payments are made. In order for the claims process to go smoothly, it is important to have five pieces of information for your truck insurer: your story, the stories of other drivers involved in the accident, the police report, eyewitness accounts, and physical damage at the scene.
To be sure to gather this information for your truck insurance company, follow these five steps.
Step 1 Immediately following the accident, the first thing you need to do is assess the safety of the situation. Contact emergency services, such as 911. If you are hauling hazardous materials, contact the Department of Transportation s (DOT) National Response Center (NRC) at (800) 232-0124. Provide any medical assistance that you are capable of and trained to provide. Providing medical assistance without proper training can result in lawsuits and further damage claims by other parties.
Step 2
Obtain information from other parties involved in the accident including contact information, license plate numbers, and insurance information. Most states require drivers to carry an insurance card. All pertinent information will be included on this card.
Step 3
Speak to witnesses of the accident and ask them for an account of what they saw. Sometimes this may not be possible because of the severity of the accident, injury, etc. If this is the case, the police will also be gathering testimony.
Step 4
Contact your truck insurance provider. The sooner you call them the better. The truck insurance agent will immediately begin the process of filing the claim and advise you of any other actions that you may need to follow through on. They can help you determine at this time what types of insurance will be used in the claim. For example will both Primary Liability and Cargo Insurance be used?
Step 5
An appointment with a truck insurance claims adjuster will be scheduled. The adjuster will estimate the value of loss and price of repairs for your insurance claim. After this the process is fairly smooth with payment being made for the repair or replacement of equipment. Joe Trzepla is a truck insurance consultant that works with companies such as Cover Me Insurance Agency which specializes in truck insurance for owner operators and small fleet. He also consults for other similar truck insurance companies such as the Direct Truck Insurance company.



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Home Owners Insurance Faq

An owner is a policy of insurance & 39; packaged policy to cover homes against disasters and the damage such as floods, earthquakes, fire, theft and vandalism. It also covers the owner of the policy, family members and, in some cases, pets.Are all natural disasters covered in the context of a policy & 39; d & 39; home insurance? No, the damage caused by earthquakes and floods are not covered by the police d & 39; standard home insurance. You need & 39; buy separate policies for coverage against disasters.What these areas are covered by the policies of & 39; home insurance? Owners essentially fonts d & 39; insurance cover four main areas: the structure of the home, personal belongings, liability and protection of the house expenses.Structure Extra: The policy covers all damage to the 39 & ; building as a result of natural disasters such as fires, storms, lightning, etc. On the political level, however, not cover damage caused by earthquakes and floods. Policy: The policy to cover damage to your personal belongings such as furniture, clothing, sports equipment, paints, etc. In addition, it covers the property from the premises of & 39; located in other parts of the world . This may include jewelry stored in the trunk of a bank & 39;, etc.Liability protection: This policy covers you or your family members against lawsuits that might ensue if you, the members of your family or pet is held responsible for accidents causing bodily injury or property damage to other Person.Additional spending & 39;: they cover the costs you may incur if you are temporarily unable to stay in your house for some time because of certain disasters such as fire.How can I reduce my premiums of & 39; home insurance? Your insurance agent can tell you about the steps you can take to reduce the premiums on your policy. The best way is to make your home more resistant to disasters. Best Home Owners Insurance provides detailed information on homeowners insurance, homeowners insurance faq, owner of & 39; insurance companies, Fonts d & 39; home insurance and more. Best Home Owners Insurance is affiliated with the Home Owner & 39; insurance companies. allen elenore



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