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For most American families, summer is outdoor celebration time, fireworks time, barbecue time, and fun-in-the-sun-by-the-pool time. If you're the one who happens to be hosting, however, it's important to recognize that these quintessential summer activities present unique risks, as well as potential liability issues.
Sleeping under the stars, hiking, swimming, and toasting marshmallows are activities many folks look forward to every summer. But getting back to nature offers its own set of risks. By understanding the following common camping mishaps, you can make it much more likely that your summer outdoor excursions will only include the fun and exhilarating kind of adventures, instead of the emergency-room kind.
We all need a vacation. And for many employees in Michigan, summer is the ideal time to plan a visit to the beach, take an extended road trip, or organize a family reunion. As a business owner, you want your employees to have time off, but you don't want your customers to suffer because of it.
If your business requires you to purchase a truck , you will need commercial truck insurance . Truck insurance protects the owner and vehicle from loss of your truck. There are many things to think about before you purchase your commercial truck insurance policy.
School's out for summer, and that means that many parents in Michigan are opening their backyards to their children's friends and neighborhood buddies. It's a parent's prerogative to keep all children safe, even those who are not their own; but did you know that you could be held liable if a child gets injured on your property? Here are some steps you can take to maintain a kid-friendly outdoor environment, so that summer at your house comes with the minimum amount of risk.
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As insurers pay out on cyber-losses, as these threats also develop and change, insurance products are increasingly being purchased along side existing IT security services. Indeed, the underwriting criteria for insurers to offer cyber insurance products is also early in development and underwriters are actively partnering with IT security companies to develop their products.
An SR-22 In Michigan-Schoen Insurance Agency is an administrative form that attests to an insurance company's coverage, or the posting of a personal public bond in the amount of the state's minimum liability coverage for the licensed driver/ or vehicle registration. The SR in SR-22 stands for Safety Responsibility, and it's needed to reinstate a suspended driver's license after a DUI conviction. It is submitted to the state by an auto insurance company to serve as proof that a driver has the minimum liability insurance that the states requires. SR-22s are typically filed with the respective State's DMV, and in some States must be carried by the licensed driver, or in the registered vehicle (particularly if the licensee has been cited for coverage lapses, DUI or other administrative infractions). SR-22s may attest coverage for a vehicle regardless of operator (owner liability coverage), or cover a specific person regardless of the specific vehicle operated (operator liability coverage).
Many diseases that were once common and deadly have been nearly eradicated by modern day immunizations. However, in recent years, there has been a controversy surrounding vaccination safety and mandatory immunization laws, even though major health organizations, such as the Center for Disease Control and the American Academy of Pediatrics, still strongly support the use of vaccinations. They even go as far as emphasizing the importance of adhering to vaccination recommendations and schedules for children, teens and adults.
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