Factory – Office Accident Work Claims!

Factory workers are prone to accidents as they are exposed to various kinds of threats. They are most often not provided with adequate safety measures. Any victim of factory or office accident can make factory / office accident work claims. It is the duty of every employer to provide adequate safety measures at the workplace. If they fail to do so and meet with an accident, they can get suitable compensation by making a claim. Accidents can occur at the workplace due to the negligence of the employer to adopt safety measure or faulty equipments. As a rule, employers should comply with all the relevant statutory requirements and regulations about safe working practices and safe premises in which to work. If they fail to do so and employees meet with an accident, the victim can make a claim.

There are many people who have benefited from these compensation claims. The employers must ensure that factory floors are clear of slippery substances like grease, which can cause slipping accidents. They should not risk the lives of the employees. Following some simple safety measures can help avoid accidents at the workplace. Giving new factory employees induction training about the safety procedures can help the employers exercise precautions. If accidents still occur, then it is advisable to make a claim. Factory accident claims have helped many people get suitable compensation.

As a part of safety measures, moving parts of machinery should be safely guarded. Employees should be provided with suitable gloves to prevent any injuries. They should also be provided with appropriate overalls in case there is a danger of hot or toxic materials or liquids being scattered or splashed. Factory accident claim policy can provide a victim of an accident with the much need protection against any kind of injures. There is no reason why an accident victim should fear making a claim.

Factory work related accident claims can come to the rescue of such people. It helps such people get compensation quickly. There are various laws and regulations that apply to factories which are designed to make them a safer working place for employees. Unfortunately, accidents still occur despite the best safety measures. Making a claim can at least minimize the losses. Factory accident insurance can help you get the required coverage for any injury suffered at the workplace. An accident victim can make a claim if he or she has suffered an injury due to the mistake of a fellow employee or due to some faulty equipment. One can also get free consultation from accident claims solicitors by looking online.

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10 Questions You SHOULD Be Asking About Your Car Insurance

Insurance can be confusing. I personally think the industry has done that to itself with commercials that talk about everything EXCEPT what’s really important to most customers and their families. What do you REALLY need to know? It seems like everything is a big SECRET. This will help you de-mystify the jargon and help you understand what is TRULY IMPORTANT TO YOU.

1. Cheap Car Insurance Is Good, Right? – I know. I’ve seen all the same commercials on T.V. that you have. Everyone tries to Out-Shout each other claiming they can save you hundreds on your car insurance. Price is important, but it’s not everything. I often tell clients that it’s the same as buying anything else: you always get what you pay for. If you were looking for a pair of sunglasses, and you found a pair for $5 at a convenience store – you’d expect to get a pair of $5 sunglasses. So when they were lost or broken or didn’t fit your face right, you’d be OK with that because you know you bought a pair of $5 sunglasses. However, if you bought a pair of prescription, designer sunglasses from your local optometrist for $200, you’d expect to get something that wouldn’t easily break, scratch and that would be very comfortable to wear. In essence, you’d expect to walk out the door with something of exceptional value. The same goes for car insurance and anything else you buy. Anyone can sell you a stripped down policy for cheap. And that’s just what you’ll get.

Fact. Cheap is just that: Cheap. Making sure you get the coverage you need at a price you can afford is the most important thing you can do before paying your next insurance bill.

2. What Is the Single, Most Important Coverage I Need? – Most States have mandatory, required liability limits for a reason: Promoting Public Goodwill! Liability is the part of your policy that pays for medical bills and property damage that you are legally responsible for if you are determined to be at-fault in an accident. However, most of these limits were established in the 1970’s, when the cost of healthcare and property were substantially less than they are now. (The average annual income in 1975 was $8,000! – My, how times have changed… ) The States have not kept pace on the required liability limits with the rising costs of healthcare or even inflation! When is the last time you heard of a lawsuit for less than $1 Million?? If you have $15,000 to $30,000 to throw at a lawsuit that size, where are you going to get the rest?? Liability limits are offered from the minimum State requirements all the way up to $2 Million for any bodily injury or property damage that results from a car accident. Without enough liability, you could be faced with financially devastating lawsuits if you hurt someone badly in a car wreck.

Fact. Liability is the least expensive coverage on your policy and does the most good for you. For less than $0.99 a day, you can purchase substantially more liability to protect your family from lawsuits and avoid the pain of bankruptcy.

3. What is Full Coverage? – There is no such thing as “Full Coverage”. If an insurance company sold you every coverage they had in their arsenal, there would still be things that wouldn’t be covered. An example of this is using the vehicle for illegal activity. Running from the police, smuggling drugs or other illegal substances or people, and intentional criminal acts are good examples of things that would never be covered if your vehicle was damaged or destroyed. In the 1989 movie “Steel Magnolias”, Shirley MacLaine’s character rams her car into another car that beat her to a parking space at the grocery store. The whole time, she’s saying “I’ve got insurance!” Intentional destruction of personal property is a real crime, and that would not be covered by any insurance company I know of.

There are really only two coverages you are able to purchase commonly referred to as “Full Coverage”.

Collision coverage is the first of these. Collision is the only place in your policy you can find money to repair your vehicle if you wreck it and it is determined to be your fault. In No-Fault States, like Colorado, if your vehicle is damaged in an accident, your Collision Insurance is the only place you’d find funds to fix your car, even if the accident was caused by another driver.

Comprehensive coverage is the second of these coverages, and it protects your vehicle from non-collision related losses like fire, wind, hail, theft, vandalism, falling objects like trees and falling rocks from a hillside, and hitting animals.

Typically, banking institutions force you to have these coverages while you are financing a vehicle so they (the bank) are financially protected from loss if your vehicle is wrecked or destroyed while they are still carrying the note on it.

Tip. If you’re vehicle’s book value is in the low thousands, you may want to seriously consider dropping these coverages. There is a point when your vehicle’s value no longer justifies you paying extra to protect the depreciated value. Your agent can help you determine what the value of your vehicle is and show you how much you are spending to protect that value.

4. If I Am Covered Under My Major Medical Provider, Like Blue Cross/Blue Shield, Do I Really Need Uninsured Motorist Coverage? – If you are paying someone else for health care coverage, why do you want to give another insurance company more money for the same thing? In most cases where vehicles are covered with Collision and Comprehensive, AND where you have health care coverage for you and your family with a Major Medical provider it doesn’t matter if an uninsured person hits you and hurts you. You know your medical bills will be paid anyway by your Major Medical provider.

Note. To make an informed decision about whether or not you should carry Uninsured Motorist coverage, talk to your agent about the actual risk you have right now.

5. I Have Expensive After-Market Rims and Tires or Stereo Equipment Installed in My Vehicle. Are Those Items Covered By My Policy? – I know clients that spend a substantial amount of money to “customize” their vehicle. Some spending upwards of $10,000 to obtain accessories that make their vehicle different. The basic rule of thumb to determine if these valuables are covered under your policy is simple. If they are installed in the same spot as the factory-installed stuff, you are covered. Rims and Tires are obviously going to be installed in the same location as the rims and tires that came with the vehicle from the factory. Stereo equipment can be installed in the same spot as the factory stereo, but some of the accessories, like amplifiers and speakers that are placed in other spots (under the seats, in the trunk of the car, etc) are NOT covered under your personal auto policy with any provider.

Tip. If you’re adding accessories to your vehicle, ask your agent if they’ll be covered or not.

6. Is My Tom-Tom GPS, Cell Phone, or Radar Detector Covered If My Car Is Broken Into and They Are Stolen? – Your policy only covers the vehicle. Personal property stolen from inside a vehicle is never covered under the vehicle policy. Only a Personal Property policy, like Homeowners, Renters, or Manufactured Home insurance will cover your personal property inside the vehicle.

Tip. As a general rule, most everything not factory installed in your vehicle is not covered in your car insurance policy. Ask your agent how your property policy works in conjunction with your auto to get you the most protection.

7. What Will Cause My Auto Claim To Be Immediately Denied? – Auto insurance companies all have the same basic set of rules for this they outline in the policy document. The main reasons your claim could be denied are 1) driving without a license or on a suspended license, 2) coverage was lapsed at the time of the accident, or 3) a newly-acquired vehicle was not added to the policy within the 30-day window after the vehicle was purchased.

Tip. Make sure you ask anyone that you allow to drive your vehicle if their license is active and valid, pay your premiums on time, and make sure you add any newly purchased vehicles to your policy as soon as you are able to contact your agent.

8. If My Car Is Totaled, How Much Will My Insurance Company Pay To Cover The Loss? – Generally, most major insurance companies cover your vehicle for its “Actual Cash Value”. Actual Cash Value is the depreciated value of your vehicle at the time of the accident where it was totaled. Every insurance company has their own system for valuing vehicles. The closest you will be able to get to this rate is by averaging your Kelly Blue Book values for Trade-in and Private Party. This will give you a great idea of the average value an insurance company will pay you if your vehicle is totaled. This is the highest value and the lowest value available to you as the owner of the vehicle. Some policies, usually for Classic Cars, allow you to insure the vehicle for Stated Value, or “agreed-upon value”. Most personal auto policies do not allow you to insure a vehicle for Stated Value.

Tip. Check with your agent to find out what your vehicle’s actual cash value is. No one likes sticker-shock when they receive a claim check for a total loss.

9. If I Need New Parts For My Car, Will My Insurance Company Pay For Original Manufacturer (OEM) Parts? – In the recent past, many insurance companies guaranteed OEM parts. When the major car companies foundered in the recession, many of them got stuck assuming those parts would be readily available. When insurance companies were faced with a national shortage of parts for vehicles made by companies that were now bankrupt, all of them changed the wording of their policies to change this in order to protect themselves from lawsuits. Now it is the norm for aftermarket parts to be used to repair vehicles, as they are more readily available and no noticeable difference is visible in the repairs most body shops make.

Fact. Many insurers now restrict or severely limit the use of OEM parts in their repair estimates.

Tip. If you’d like to know what parts are actually being used to repair your vehicle, the best option is to ask your body shop what kind of parts they intend to use for your repair. If OEM parts are available, you may consider asking your insurance adjuster to cover the extra cost for OEM parts.10. If I Am Killed In an Auto Accident, What Does My Family Get? – Most people assume if they are killed in a car wreck that their family will receive some sort of death benefit from the auto insurance company. That is simply not true. Some States offer a small death benefit in their medical payment/ personal injury protection coverages, but most do not. Medical Payments coverage will pay up to the policy limits for medical bills only.

Fact. Life insurance is the only way to make sure your family receives some cash if you pass away as a result of a car wreck.

Tip. Some insurance companies offer discounted rates on your auto insurance if you also have a life insurance policy with them, and vice versa. To make sure you are getting the best deal, contact your agent.

I know the world of insurance can be confusing, but it’s important to know the right questions to ask your agent so you are in a better position to make informed decisions for you and your family. Our belief is that when you are properly educated about insurance by a real consumer advocate, your experience with our industry as a whole will be much more satisfying for you.

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Is An Extended Warranty Better Than iPad 2 Insurance?

I know a lot of people that would not take iPad 2 insurance even it was offered free. They do trust third party vendors and would rather pay for an extended factory warranty. Here are a few differences that you may not know that could sway your decision one way or the other.

An Extended Warranty Is Not Insurance

At a quick glance, the extended warranty and insurance appear to be the same thing. Do not be fooled though. They are similar and may overlap a little, but they are definitely different beasts.

The factory extended warranty mostly covers manufacturing defects. If your iPad stops working or overheats, this is the type of thing a warranty will cover. If you read the terms and conditions, they also will cover SOME physical or liquid damage but you are required to pay a deductible in that case.

The main perk to the extended warranty is the software support by phone. Third party vendors just cannot touch this type of offering. To me, this is the biggest advantage they have over third party iPad 2 insurance.

Does iPad Insurance Have Any Advantage

On the flip side, third party insurance will provide coverage that a warranty will not such as against theft or loss. Going back to the terms and conditions document, the factory warranty specifically states that they do not cover theft or loss of the device. Basically if you can’t send them back something to work on, they won’t cover it.

Another advantage of insurance is coverage while traveling. The factory warranty is only valid in the country in which it was purchased. If you plan to travel for business or pleasure and take your iPad with you, you should get some kind of third party insurance to cover your device.

How About Cost

When you compare the cost of the two plans, in most cases I think you will find they are priced very similarly. The extended warranty is only offered as a two year commitment though whereas insurance can be paid for on a month to month basis. Again, it goes back to your individual needs as to which would be better for you.

If you plan to keep your device for a long time and want to make sure you won’t get stuck buying a new one due to a defect, I would go with the extended factory warranty. You will get protection from workmanship problems, phone support for your software problems, and even some protection against physical or liquid damage to your device.

If you plan to travel, iPad 2 insurance is really your best option. You don’t want something to happen and find out that because you weren’t at home that you are now stuck with a broken device and have to buy a new one. The plans are relatively inexpensive and can be purchased on a month to month basis.

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Behind the Triangle Shirtwaist Factory Fire

This column is based on eyewitness accounts, trial transcripts, testimony, and information from the New York City Fire Dept. and the New York Historical Society.

It is the harrowingly small amount of sidewalk that may hit you when you stand in front of the building that housed the Triangle Shirtwaist Factory, where 100 years ago this March 25, 146 garment workers – 129 women, 17 men – perished in a murderous factory fire that ranks as one of the worst this nation has ever known.

Within this tiny space in time a century ago, immigrant workers from Germany, Hungary, Italy, and Russia, many of them Jewish, plunged to a horrific death, their hair and clothes on fire.

What else is striking is that this building is still with us today, it still stands in downtown New York City, east of Washington Square Park, as part of New York University.

Dig deeper, and you’ll see that a shocking lack of safety standards, and not surprisingly the cold calculus of money, caused this horrific fire.

Galvanizes Labor Movement

It was a fire that would change America’s labor laws and worker safety standards forever.

It would electrify a fledgling labor movement, galvanizing women workers into pushing forward the International Ladies Garment Workers Union, which fought to stop sweatshop worker abuses, child labor abuses and countless other labor infractions – labor infractions that continue at oil rigs and coal and other mines around the world.

It is a fire that resonates to this day, as unions, artists and neighborhood groups plan to gather in front of the building this Friday, March 25, in commemoration and sorrow.

But the fire should not have been so appallingly lethal, since even the day after the fire, the walls and floors of the building remained largely intact, said my great grandfather, Thomas F. Dougherty, who helped run the New York City Fire Dept. for much of his 46-year career.

Dougherty analyzed, studied and worked on the fallout from the Triangle Shirtwaist Factory fire as assistant and acting chief of the department, and as Dean of the New York City Fire College.

There was something more beyond the infamous and well-known fact of locked exit doors imprisoning the workers in a deadly fire trap, my great grandfather and other top fire officials would warn.

Day of Infamy

Labor hazards ruled the day back then and management looked the other way, greedy until proven guilty. That was the political math at the time under the corrupt Tammany Hall regime that governed New York City.

“The Triangle Shirtwaist Fire was a day of infamy,” says historian Lewis Lehrmman. “It reminds us that the role of government, while limited, must be to ensure public safety. Thus, the government must be strong enough to enforce the rules of the game. A referee without the power to throw the offender out of the game is an empty suit.”

Packed In

The owners of the factory packed 450 workers into the three top floors of a 10-story building.

Most of the workers ranged from ages 16 to 23 years old – one as young as 14, three were 15 years old — many of whom were the main support for their immigrant families, earning on average $15 a week.

They sat toiling away making cotton shirtwaists, or blouses, at five rows of sewing machines the owners purposely situated close together, leaving no room for aisles or idle chatter.

At quitting time on that Saturday, 4:45 p.m., as the shades lengthened and the late afternoon turned to twilight, tinting the factory windows dusky grey, the women and men packed their things, collected their pay, hoping to hurry home for supper.

The Fire Begins

But the Triangle Shirtwaist Factory fire had just begun. If the fire had started just minutes later, the workers would have been gone, and possibly no one would have died. Five hours earlier, other companies had already let their workers go home.

The fire broke out on the northeast corner of the Greene Street side of the eighth floor at a cutter’s table, possibly from a cigarette. With ferocious rapidity, the flames flashed through linens and cottons cluttering the floor, bins and on wires above.

At 4:46 p.m., the Fire Department received a report from the vicinity of the fire, from a citizen. At 4:48 p.m., the first alarm rang.

Locked Doors Thwarted Escape

The girls rushed away from the Greene Street staircase, blocked by flames, to the Washington Street staircase.

But the owners had locked the Washington Street exit doors, because they wanted to funnel the women through the Greene Street stairs, where a watchman could more easily check their bags for theft of linens or thread. The operators of the two overburdened freight elevators would make as many trips as they heroically could, but would soon stop altogether from the fire–from girls jumping into the shaft.

Before the first fire engine arrived, girls began jumping outside. They continued crashing around the firemen as they fought desperately to get their ladders up.

Anguish

Anguish shot through the firemen as they realized their ladders could only reach to the sixth floor of the building. A girl on the eighth floor tried to jump for a ladder, but missed it, hit the edge of a life net, and died.

Five little girls stood clutching each other on a ledge while a ladder worked toward them, stopping at its full length two stories down. A burst of flames, and the girls leapt, clinging to each other, fire streaming from their hair and dresses. Striking the glass sidewalk cover, meant to provide sunlight to cellars, they crashed into the basement.

A horse-drawn grocery wagon careened around the corner, its driver frantically calling onlookers to grip the sides of a wool horse blanket. Two terrified little girls clutched each other on an upper ledge as the fire roared. About one hundred feet below they looked down at Greene Street.

“C’mon, jump we’ll get you, jump,” they heard the cries from below. One little girl jumped. It didn’t work. Her friend followed. Both died.

Girls above watched those below leap to their deaths, but jumped anyway to avoid the flames.

Firemen running ahead of a horse drawn engine that had halted to avoid striking a body spread a fire net and looked up. One girl fell, end over end, struck the side of the net, and perished. Three other girls who followed died, too.

A girl all of about thirteen years old hung perilously for three minutes by her finger tips to a window sill on the tenth floor. A burst of flames hit her fingers and she plunged to her death.

A man stood at the reddened windows of the ninth floor furnace, gently helping four women jump “as if he were helping them onto a streetcar instead of into eternity,” eye witness Bill Shepard reported. The last woman kissed him, then both plunged.

Another clutch of three little girls gripped each other, panic-stricken, white knuckled. “Hold still, the ladders are coming!” came the cries from below.

Hopeful, they clung to each other and waited – until a burst of flames knocked them out into the open air, where they fell, hair and clothes ablaze.

Yet another girl waved a handkerchief at the crowd and leapt from a window adjoining the New York University building. Her dress caught on a wire. The crowd watched her hang there until her dress burned free and she came toppling down.

Eyewitness Shepard saw much of this, and “heard screams around the corner, and hurried there. What I had seen before was not so terrible as what followed,” he would write. He continued:

“Girls were burning to death before our eyes.. Down came bodies in a shower, burning, smoking, lighted bodies, with the disheveled hair of the girls trailing upward. They had fought each other to die by jumping instead of by fire.

“There were 33 in that shower. The flesh of some of them was cooked. The clothes of most of them were burned away. The whole, sound, unharmed girls who jumped on the other side of the street had done their best to fall feet down, but these fire-tortured, suffering ones fell inertly, as if they didn’t care how they fell, just so that death came to them on the sidewalk instead of in the fiery furnace behind them.”

A crush of panicked workers flooded onto the single fire escape.

Fire Escape Collapses

But the arthritic trellis peeled away, tossing two dozen people a hundred feet to their deaths.

Sixty-two workers died jumping or falling. Another 30 workers jumped inside to their deaths in the elevator shaft.

The fire lasted less than a half hour.

Helplessly witnessing girls in the windows burning to death on the ninth floor before their very eyes, burning bodies in a shower welcoming the pavement, crowds on the streets below reeled in horror, battering themselves against police barricades in an hysterical frenzy of pain.

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The 9 Different Types of Commercial Business Insurance and How They Can Benefit You

Did you know that there is a type of commercial business insurance for any kind risk you can imagine? When people think of these types of coverage they probably think about insuring factories or storefronts. The truth is that there are ways to insure just about anything, just look at professional athletes and actresses that have policies on their legs for millions of dollars in the event of an injury. My point is that if you have a need for something to be insured for your business then I can guarantee you that it can be written into a policy.

Most people hate to talk about insurance, but most businesses no matter how big or small need to have some kind of insurance in order to operate and assure their business partners of their solvency in case of the unthinkable. If you are looking to protect yourself from risk your goal in the end is to purchase the best and most affordable coverage. We have listed some of the more popular types of business insurance below. This way you can start making a list of the different types available that you might need for your business to operate smoothly and efficiently.

Do I Even Need Insurance?

If you have employees working for you then for the most part you must take part in your state’s worker’s compensation, disability, and unemployment insurance programs. In most circumstances if you are the only employee you are not required by law to have business insurance, but the bigger question is why would you want to risk losing everything you have worked so hard for if something bad happens? Check with your individual state for the requirements you must meet in order to do business, but we strongly suggest having some kind of policy in place.

The 9 Different Types of Commercial Business Insurance:

1) General Liability – One of the reasons general liability is so popular is that it covers and protects general things such as injuries, property damage, accidents, or negligence claims. Some policies are also designed to protect your company in the case that people slander your business reputation and it costs you money or clients.

2) Property or Casualty – Usually these types of policies are lumped into general liability insurance, but they can also be interchangeable, so pay close attention when you are reviewing your policies. Remember, peril specific policies such as flooding, fire, crime, and business interruption is not something automatically covered under most property insurance, so these types of coverage will need to be added separately.

3) Product Liability – This covers you if one of your products ends up being defective and causes damage to a building or if someone is injured by one of your products in an accident.

4) Life & Disability – Besides the obvious life and disability insurance programs for employees there is also something called key employee life insurance. It helps protect you against the loss of income for your business because of the death or disability of a senior employee.

5) Commercial Auto – If you have vehicles that will be used for business purposes then they will have to be covered in case something happens to the employee or vehicle while it is in operation.

6) Business Interruption – This protects you in case there is an interruption in running your business such as an accident that shuts your factory down resulting in the loss of time and money. Each area of the world is prone to different disasters and circumstances, so make sure to look at which ones would affect you and have the insurance company add that to your policy.

7) Home Business – Don’t for a minute think that your homeowner’s insurance would cover you for your home business should damages arise from a fire or other accident. Most home owners policies would pay out very little to make up for any losses to a home business that occurred on the premises.

8) Internet Business – The number one problem with having an internet business is “security”. As a matter of fact our internet business was hacked into by a Russian computer professional. It took us weeks to get back on our feet because many of the websites had to be redone and put on different servers. Luckily though we had this insurance to cover us, so our concerns had more to do with the loss of time than the actual money spent on the process.

9) Specialty Insurance – Dentists, Doctors, Accountants, and Not for Profits can all have their businesses covered for miscellaneous things that may go wrong such as errors on taxes or malpractice suits.

Now that we have discussed your options for attaining commercial business insurance it’s time for you to get out there and talk to some insurance agents regarding your wants and needs for your company. A couple of things to keep in mind: Customer service goes a long way with insurance agents. Make sure you get an idea that they are going to be there for you for the long haul, not just for when something bad happens. Most good insurance agents will check in with you periodically to see if anything needs to be updated in your policy. Shop around and get a bunch of quotes from different companies, because then you will have more options and the negotiating power to get the best overall coverage for your company.

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