Commercial General Liability Coverage Guide, 9th Edition

This is the 9th edition of the most demanded coverage guide that the National Underwriter Company publishes: Commercial General Liability.

This guide is the only resource to provide an in-depth, year-over-year comparison covering the various editions of the CGL form from 1973 through 2007. You'll also find court case citations that clarify the policy, summaries of major endorsements to the forms, and tips on how to tailor a policy to meet the needs of your clients. Commercial General Liability, 9th Edition includes discussions of the most recent exclusions and exceptions of the CGL form.

The book features reproduced copies of the ISO CGL forms from 1973 through 2007 in the Appendix. An understanding of the intricacies of the coverage language of the CGL form is of particular importance because liability claims and lawsuits frequently play out over years and even decades. Understanding the evolution of the form is therefore critically needed by both underwriters and agents who are arranging coverage and adjusters and attorneys who are interpreting it.

About the Author
Donald S. Malecki, CPCU, is an acknowledged expert in the insurance and risk management arena. He is a principal of Malecki Deimling Nielander & Associates, LLC. an insurance, risk, and management consulting firm in Erlanger, Kentucky, who began his writing career with the FC&S Bulletins. He also is president of Malecki Communications Company, publisher of Malecki on Insurance, a monthly newsletter on commercial insurance subjects. He has been in the insurance and risk management business for more than 48 years as a broker, claim consultant, consultant, supervising underwriter, teacher, and writer. Don is currently on the examination committee of the American Institute for Chartered Property Casualty Underwriters; the Consultants, Legal and Expert Witness Section Committee of the Society of CPCU; and an active member of the Society of Risk Management Consultants.
Don is the author and coauthor of ten books, including three textbooks used in the CPCU curriculum. In addition to The Additional Insured Book (1991), two of his books, Insuring the Lease Exposure (1981) and The CGL Book (1986) were Cincinnati Chapter research projects.
The Don Malecki brand is a big plus for this book!

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Ten Questions - The Insider's Guide to Saving Money on Auto Insurance

"Ten Questions . . . Hidden Discounts Revealed discusses how to crack down on one's auto insurance bill . . . . From finding discounts, improving one's rating, and much more . . . Ten Questions is an excellent and much recommended pick for anyone struggling with their auto insurance."

-The Midwest Book Review

Willis M. Buhle

Reviewer

How much do you pay for your car insurance? If you are reading this, the answer is most likely "too much!" You are looking for information that will help you save your hard-earned dollars, and you have found it.

A single 5% discount that you have been missing each policy term is costing you far more than this Guide will.

Ten Questions is not a book for "dummies," but it is an easy to use, half-hour read, specifically designed to help save you money.

It is absolutely guaranteed to do just that. If you do not find any benefit in Ten Questions, (no matter which version you buy) simply return it for a full refund.

Find out what the insurance companies don't want you to know, like the fact that you can switch carriers any time you want, as often as you want. You do not have to wait until your current policy renews or expires in order to do so.

Ten Questions isn't about getting the cheapest policy at the cheapest price. It's about getting the best policy at the best price, and here's how:

- It will help you find and qualify for discounts.

- It will show you how to improve your rating tier, and lower your "base rate."

- It will help you allocate your premium dollars more effectively, so that you don't spend money on coverages you don't need or want.

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How to Save Big on Workers' Compensation - Book Review

Featuring insightful, actionable and proven cost-saving ideas, How To Save Big On Workers' Compensation shows how employers can maximize productivity and profits through safety and a culture of caring. This essential guide discusses the strategies that saved a quarter of a billion dollars.

This easy-to-read book includes exclusive interviews with leading industry experts. The experts include Larry LaPointe, former director of the Division of Confidential Investigations at the New York State Insurance Fund (NYSIF); Ed Hiller, director of Claims and Medical Operations for NYSIF; Brian Mittman, the managing partner of Markhoff & Mittman, a law firm helping injured workers; Robert Firmbach, a veteran loss-control and safety expert; Eileen Preiato, the Friedlander Claims Solution manager; and Cosmo Preiato, executive vice president of Friedlander Group and leader of Safety Group Underwriting and Operations.

“Friedlander’s approach in this well-written, helpful book is to focus on what employers can do to minimize workers’ compensation claims in the first place. He believes that by creating a “culture of caring,” employers can effectively save money on workers’ compensation, because “that culture will maximize your productivity, efficiencies, and profits.” ...This revelation alone makes the book valuable, along with several eye-opening interviews with workers’ compensation experts. Employers will gain insight into such key issues as claims and premium fraud, abuse of the system, loss control and reducing the cost of claims. A thoughtful book that could actually save employers some serious money.” Kirkus Review

"During my time as CEO of the New York State Insurance Fund, Adam always displayed a keen insight into the intricate workings of the state compensation system. He is a true comp professional who understands the needs of the system's stakeholders; policyholders, associations, injured workers and policy makers. His primer is a must read for those involved in our industry. Ken Ross, CEO/President, Pinnacol Assurance

"How to Save Big on Workers' Compensation is interesting, informative and a must read book. Adam uses his vast knowledge, candid insights including interviews with true experts in workers' compensation to discuss issues related to fraud, claims, safety and loss control. The book focuses on safety prevention as a major linchpin of effective cost control resulting in lowering premium costs. The reader should benefit from this unique review of important issues." Donald T. DeCarlo, J.D. CEO AMCOMP, Commissioner of NYS Insurance Fund, 1997-2009

"Adam offers a number of key concepts - such as managment-employee relations and a culture of caring - that are very straight forward and really work to control workers' compensation costs. His interviews with industry experts deliver the information in an easy-to-understand, real-world style. This is a great book for virtually every American business." Dennis Otmaskin, CPCU Regional President, Northeast & Mid-Atlantic Harleysville Group

"I found it to be a riveting book, presented in a manner that every employer would clearly enjoy reading and would cut the cost to his bottom line. This should be considered a training manual. This is also a worthwhile book for every Insurance Broker to read and present to every business client. It presents a powerful bit of knowledge." Arthur Natter, former broker and NYSIF retiree

"Adam's a serious professional and a clear-headed writer." Steve Acunto, Editor & Publisher of Insurance Advocate

"I had an opportunity to read "How to $ave Big on Workers' Compensation". It is exceptional! I especially like the way you started the book with Establishing A Culture of Caring!" Scott Addis, The Addis Group

"Adam, I just finished your book. Quite simply, it was fantastic. I will be purchasing and sending a few copies to my peers. Thank you for your contributions." Brian Nebel, P2P Insurance Agency, Partner.

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The Importance of Having the RV Insurance

Road accident is something unpredictable. We will never know what is going to happen in the night while we are driving to our destination. The worst possible is that when you have to hit any other vehicle. You may suffer a very serious damage, not only your body but also your RV. Sure you do not want to spend the entire money to the expensive medical expenditure and also the reparation payment. You need something that will cover all the mess you made so that you do not have to worry if a accident occurs to you.

Thanks to the modern world, now there is RV insurance that will provide you with a lot of protection and also coverage so that you can drive in a more convenient way without any feel of worry if something bad happens to you. People may a little bit afraid to look for insurance because its high monthly charge.

The good thing about this insurance is that it is very affordable. You also can choose what kind of insurance you will apply to your car. So what are you waiting for then? It is time for you to get the full protection from the insurance company.

By: Farrell Temudo

http://www.hotinsuranceblog.com/

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Property Insurance Policies for Landlord

Home insurance is needed for a homeowner to protect their home from any damage such as natural disaster any other events that can damage your property especially home. Home insurance or also known as homeowner insurance provides property protection for your home and also your personal belonging. There are different types of home insurance based on policy and one of it is property damage insurance that has function to protect the damage on your property.

Personal property insurance is also part of home insurance that you can have to protect your property. It aimed to protect the belonging that is stored within the building or apartment. While renting an apartment or any other building, you have to keep it as well as your own home. If there is any damage that occurred in the building, property damage insurance is use to protect it.

In the case that the landlord may look at your place, property damage insurance is used to protect the building so you do not have to worry. It will be beneficial for you who live in apartment. It is not only protecting the building but the furniture also inside the building. You can start to buy property damage insurance in order to protect your building.

By: Farrell Temudo

http://www.hotinsuranceblog.com/

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Pros and Cons of Long Term Care Insurance

Care insurance is important since you may suffer illness in your whole life that needs medical treatment. This kind of insurance provides a big help as coverage to your medical cost. If you are looking for care insurance, there are some insurance companies that provide this kind of insurance based on your need. However, there is also type of care insurance that provide the benefits beyond a predetermined period. This kind of care insurance is called as long term care insurance.

Mostly, long term care insurance covers facets that are not covered under any normal Medicare and health insurance policies. All of the facilities of medical treatment at home is the policy pays of long term care insurance. The individual’s care for home nursing and any other assisted living facility is provided in your home. This kind of health insurance is important and beneficial, but before deciding to take this kind of insurance service, there are some pros and cons that you have to know. The advantages of long term care insurance are the amount of price is suitable with the policy that you can have. This kind of insurance provides a good care for you in predetermined period.

The disadvantages of long term care insurance are generally expensive when it some as premium paying. It is good for people who have better income since they can cover the payment of care insurance. However, some people way find the care insurance based on their individual need and they need to rethink before taking this kind of care insurance.

By: Farrell Temudo

http://www.hotinsuranceblog.com/

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Pros and Cons of Universal Life Insurance

Life insurance is kind of important insurance that you can have to support your life. For family member, death or funeral is kind of traumatic event. The bereaved family who has to take care about the funeral cost may become a burden when they do not have enough money. Financial crisis become a common dilemma that suffered by bereaved family. This is why you can take life insurance in order to take care of the funeral cost and any other protection that you can have. Here are the several benefits that you can get from life insurance. In the event of policyholder demise, life insurance provides monetary coverage for the family member.

After the demise, life insurance can be constant source of income that is used for bereaved family member. It will make them easy to pay the electricity bills, water bills, and any other expenses. It also can helps the bereaved family to pay the children education fund on time. You can also add health insurance plan on your life insurance in order to keep you healthy even if you have life insurance. Life insurance is used to cover the cost of funeral expenditure since the bereaved family does not have much money to pay the bill. When they have to pay the funeral cost, it is kind of hard moment for them since they loss their beloved one. Life insurance is good for saving because it is non-taxable insurance. There is also universal life insurance that provides a policy where the insured person or policy holder becomes universally applicable.

Life insurance online is kind of online insurance service that you can buy it quickly and easily. Here are pros and cons of universal insurance that you may need to know as a recommendation. In the personal finance, this kind of life insurance is tends to provide certain flexibility. You can extend the number of the years of your insurance even if you do not have premium paid. It is also provide a great coverage of life insurance. There are also disadvantages of universal life insurance such as you have to keep the premium payment in order to get a long period of your life insurance time as starters. The coverage value is tending to decrease substantially if you have small premium. If you have small premium, it is no good for saving or cash return in order to bring some cash to bereaved family.

By: Farrell Temudo

http://www.hotinsuranceblog.com/

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