By Dustin Mitchell on 21-10-2011
In a recent unpublished opinion, the 11th Circuit Court of Appeals determined that a suit seeking damages for violation of FACTA (involving the issuance of a receipt to a customer that did not delete the last five digits of the credit card number) did not involve a “publication” of material and therefore did not trigger a defense obligation under the “personal and advertising injury” coverage. In E. T. Limited, Inc. v. Essex Ins. Co.,1:
Read more…
By Kathryn Green on 20-10-2011
Not again! As one of the busiest half term holidays on the travelling calendar approaches, thousands of travellers are facing disruptions as the ash cloud from Iceland’s Grimsvotn volcano approaches British airspace.
With flights being cancelled, both holidaymakers and holiday home owners with changeovers in the coming days have concerns of whether travel plans will be fulfilled or cancelled.
Compared with last year’s disruptions, procedures for dealing with the ash cloud are totally different, and experts predict that disruptions are unlikely to last long.
Here are some useful resources to monitor the situation;
Check the airline, airport you are due to fly from or tour operator’s website for the latest news. This
Read more…
By Christine Johnson on 16-10-2011
The California Division of Workers’ Compensation announced on Friday that the minimum and maximum temporary total disability rates for 2012 will increase on Jan. 1. The minimum TTD rate will increase to $151.57 and the maximum TTD rate will increase to $1010.50 per week.
The annual adjustment is tied to the state average weekly wage. This is the second consecutive year it has been adjusted upward.
That SAWW is defined as the average weekly wage paid to employees covered by unemployment insurance as reported by the U.S. Department of Labor for California for the 12 months ending March 31 in the year preceding the injury. I
Read more…
By Dustin Mitchell on 12-10-2011
Floridians are still awaiting a ruling from the Florida Supreme Court in . The Court will decide whether the “48 hour rule,” the statute that bars public adjusters from soliciting policyholders until 48 hours after the loss, is a violation of commercial free speech under Article I, § 4, of the Florida Constitution.
The state has argued that the “48 hour rule” protects policyholders at a time when they are vulnerable after a loss. Julie Patel has reported on the 48 hour rule in her series with the Sun-Sentinel. In her article last week, Patel asked her readers to weigh in on how they felt about being contacted by a public adjuster after a loss. At the t
Read more…
By Kathryn Green on 10-10-2011
When traveling internationally, the last thing you want to be thinking of is being evacuated to safety, an expensive proposition, no doubt. When it does happen, medical evacuation insurance can help defray the costs associated with it. While we are mostly concerned about evacuation to the closest medical center in case of a medical emergency, it is possible that you would want to be evacuated to your home country as well.
There are plans to cover both types of evacuation.
Read more…
By Christine Johnson on 09-10-2011
The Residential Landlords Association (RLA) has called on the government to reform the way the private rented sector is taxed, in a bid to boost supply of affordable residence for tenants.
It made the call following the publication of new research by Shelter, which indicated that rents are becoming affordable in 55 per cent of local authorities in England.
Figures suggest that there is now an average of five people looking to rent every available private rented property in England.
While the high levels of demand do mean that property investors with buy to let insurance can benefit from increased rental yields, the Shelter report indicates that rents are reaching a level for many tenants that are too high.
This is obviously not good for landlords, as it means the pool of people who can afford to reside in their properties will start shrinking.
Furthermore, the RLA believes that the problem is being caused by the constricted supply of accommodation in the private rented sector, which just cannot keep up with demand.
Read more…
