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While insurance carriers search for exclusions in their policies, the fact of the matter is that mold is too important to ignore and claims will continue to be brought where human health impacts are clear. These cases arise in construction matters, operation and maintenance of commercial buildings and are a significant issue for a commercial landlord, homeowner and prospective buyer and seller of residential real estate.
Mold clearly causes health issues that dramatically...
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The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security disability insurance program (title II of the Social Security Act (the Act) and the supplemental security income (SSI) program (title XVI of the Act). Title II provides for payment of disability benefits to individuals who are “insured” under the Act by virtue of their contributions to the Social Security trust fund through the...
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With the current health and Safety regulations all businesses must make sure that there electrical appliances are PAT tested. But what are the regulations and how do you find a reliable PAT testing company?
Within the UK, The Health and Safety Executive, and in particular the Electricity at Work Regulations, 1989, state that in order to be certain they incur no risk of injury to those persons using them and that they are totally safe, all electrical appliances should be tested...
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A DUI or Driving under the Influence charge is much more serious of an event than most people think. Especially in Los Angeles and the Southern California area, where driving is a large part of one’s daily life. The common thought amongst most people is that a DUI is not a serious crime and is more of a traffic violation. The reality is that it is as serious as any other crime and the penalties associated with it might even come with a heavier burden and price tag.
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On the 6th of April 2007 the government introduced The new Construction (Design and Management) Regulations which are designed to improve the general safety of construction sites and cut down on the number of accidents experienced during construction projects. This new set of regulations will replace two predecessors - The CMD Regulations 1994 and The Construction (Health Safety and Welfare) Regulations 1996. Any outdated regulations were updated before the two sets were...
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When Hydroxycut was introduced to the public, it was thought to be a weight loss miracle product, as so many other products are. However as people experienced symptoms, they began to wonder if the drug’s side effects far outweigh its weight loss benefits. The Hydroxycut that is available in the market today is a reformulated herbal supplement that replaced the original Hydroxycut Ephedra diet pills. The herb ephedra was banned by the Food and Drug Authority a few years...
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I had the opportunity to speak with an individual today at an organization by the name of "National Tipster," a small private organization dedicated to working on a local level with victims of crime, witnesses and the public at large. As stated on their website, "The basic purpose of National Tipster Inc. is to provide a crime reporting mechanism to residents which will not only allow regular citizens to become involved in contributing to their neighboorhood...
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Graduation from massage therapy school is over, and it is time to get things in motion and start seeing paying clients. Before you see your first patient, however, you have some essential business issues to attend to — one being massage liability insurance to protect you and your practice. Getting a good massage liability insurance policy is very important. You can, of course, forgo any massage liability insurance and assume the entire risk. You can do this as long as...
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Every massage therapist faces choices; however, making the right choice for your massage therapy business doesn't always mean selecting the massage therapy insurance option that costs the least. In far too many cases, the less-expensive option for massage therapy insurance ends up costing you more in the long run. While it's important to guard against overpaying for massage therapy insurance, the old adage "You get what you pay for," continues to ring true. What is...
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An important step in establishing a successful massage therapy business. Starting a massage therapy business can be one of the most rewarding and satisfying undertakings a person can pursue. For some, it involves chasing and achieving a personal dream, while for others it provides the freedom and flexibility of owning your own practice and making your own rules. Being your own boss has its advantages but can also leave you exposed without taking the proper steps to protect your...
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