1 Condominium Seminar Property Liability and Insurance Presented by: Micheka Kostyniuk, P.Eng. April Pittendreigh, BA, CAIB, CIP September 18, 2012
2 Objectives of Presentation to CCI 1. Risk assessment for hazards which could cause injuries on property; trips, slips, etc. 2. Building Codes and required maintenance of properties. 3. Review of the Commercial Property & Casualty Insurance Policy specifically focused on the coverage s available for Condo Corps as well as property appraisals, by-laws, response of coverage in a claims situation, deductibles and premiums.
3 Condo Corporations have a duty under the Occupiers Liability Act to maintain their properties in a safe condition to prevent injuries to members of the public who use these facilities. All injuries cannot be prevented, and the legal system is called into action to determine which accidents are the result of inadequate design or maintenance of facilities, as opposed to some other root cause.
4 Where deficiencies are shown to have caused or contributed to the accident, the next analysis is whether the deficiency was or should have been known to the Condo Corporation, and whether they took appropriate steps to remedy the deficiency before the accident
5 Injury Prevention Documentation is Key Create policies for how the Condo Corp will carry out routine maintenance (summer and winter), inspections, repairs, etc. Keep maintenance logs, inspection and repair records, records of complaints and follow up investigations, etc Include what constitutes a hazard, what is acceptable vswhat requires repairs, frequency of maintenance/inspections in policies.
6 Seek professional input, don t just guess! Ensure that your policies are reasonable and take into account what various standards require. Review policies periodically and update them as required over the years. Things change over time. Follow the policies and ensure any maintenance personnel do the same Always post warnings about potential hazards until repairs are completed
7 In the Event of an Injury: The best evidence will come from a promptand complete site investigation, followed by gathering additional evidence from the parties involved, through statements, photographsand physical evidence such as footwear in the case of a plaintiff who has fallen, or documentation such as policy manuals, inspection logs, timesheets, equipment logs, weather records, etc.
8 Most Common Liability Claims Slip and Fall (e.g. icy or slippery walkway) Trip and Fall (e.g. change in elevation) Other Types of Falls (e.g. ramp is too steep) Accident on Stairway Equipment Failure (e.g. door handle falls off) But other accidents can occur, depending on your location and situation
9 Some Things to Consider Winter Maintenance The frequency of snow removal and de-icing. Regular snow removal will keep de-icing to a minimum and create a safer walkway Type of maintenance make sure your de-icer is right for your situation. It must be effective for pedestrian safety Freeze-thaw. During sunny/warm days, even if the temp is still below zero, snow can melt and re-freeze as ice when the sun and/or temp goes down again
10 Some Things to Consider Summer Maintenance Walkway surface condition. Has there been settlement, movement, cracking, or other deterioration to the walkway surface? Are tree roots causing damage to walkways or other areas? Are there trip hazards on the property? Tree roots, uneven surfaces, patches where grass has been worn away to produce a dirt/mud surface?
11 Some Things to Consider General Maintenance Condition of common elements, such as hallways, stairs, entrances, exits, etc. Finishes should be in good repair and not pose any risk hazards, debris should be cleaned, any liquids should be cleaned Inspect common elements regularly to ensure that hazards are identified and eliminated Make sure handrails, door knobs, and other hardware remain securely fastened Check lights and ensure adequate lighting levels
12 Additional Things to Consider During any type of renovations or repairs to a structure, always get the proper permits All new construction must conform to 2006 Ontario Building Code Keep records of all renovations for future reference Security cameras in common areas can capture events on camera If in doubt, be conservative. Going above and beyond in maintenance is better than not doing enough
13 Codes and Standards 2006 Ontario Building Code ASTM F Standard Practice for Safe Walking Surfaces Occupier s Liability Act o An occupier of premises owes a duty to take such care as in all the circumstances of the case is reasonable to see that persons entering on the premises, and the property brought on the premises by those persons are reasonably safe while on the premises.
14 Building Code Assessments If there is an accident in a stairway, walkway, or other building area, a Building Code Assessment will become important Building elements must meet the Building Code that was in force at the time of its construction or renovation It is not necessary to bring building elements up to current Code standards, unless renovations are being undertaken
15 Falls on Walkways Pedestrians walking on walkway surfaces such as hallways, sidewalks, driveways, or parking lots can trip on ledges or in potholes, or slip on ice and snow. Falls on sloped surfaces at driveway curb cuts, ramps, and other similar areas can occur if slopes are excessive or the surface is slippery Slip Testing can be undertaken on flooring surfaces to ensure they are slip resistant
17 ASTM F : Standard Practice for Safe Walking Surfaces 5. Walkway Surfaces 5.1 General: Walkways shall be stable, planar, flush, and even to the extent possible. Where walkways cannot be made flush and even, they shall conform to the requirements of 5.2 and 5.3.
18 5.2 Walkway Changes in Level: Adjoining walkway surfaces shall be made flush and fair, whenever possible and for new construction and existing facilities to the extent practicable Changes in levels off less than ¼ in. (6 mm) in height may be without edge treatment. (See Fig 1.) Changes in levels between ¼ and ½ in. (6 and 12mm) shall be beveled with a slope no greater than 1:2 (rise:run) Changes in levels greater than ½ in. (12mm) shall be transitioned by means of a ramp of stirwaythat complies with applicable building codes, regulations, standards, or ordinances, or all of these.
19 5.7 Exterior Walkways: Exterior walkways shall be maintained so as to provide safe walking conditions Exterior walkways shall be slip resistant Exterior walkway conditions that may be considered substandard and in need of repair include conditions in which pavement is broken, depressed, raised, undermined, slippery, uneven, or cracked to the extent that pieces may be readily removed Exterior walkways shall be repaired or replaced where there is an abrupt variation in elevation between surfaces. Vertical displacements in exterior walkways shall be transitioned in accordance with Edges of sidewalk joints shall be rounded.
20 Insurance Presentation Provide an outline of the insurance requirements in the Condominium Act, 1998 (the Act ) Discuss coverages for property insurance, liability insurance, boiler and machinery insurance, D&O liability insurance, fidelity bonding, and unit owner coverage Provide information on claims procedures and what can be expected in the event of a claim Discuss risk management and other hot topics
21 Table of Contents 1. Condominium Corporation Insurance A) Condominium Corporation Insurance B) Property Insurance Coverage C) Standard Unit By-laws D) Insurance Deductible By-laws E) Property Claims Reporting Procedures F) General Liability Coverage G) CGL Claims Handling H) Boiler and Machinery Coverage I) Director s and Officer s Liability Coverage J) Fidelity Bonding
22 Table of Contents continued 2. Personal Insurance Unit Owner 3. Risk Management 4. Other Issues/Hot Topics 5. Q & A
23 1. (a) Corporation Property Insurance Coverage Condominium corporations are required to obtain and maintain insurance for damage to the units and the common elements caused by major perils or the other perils that the corporation s declaration or by-laws may specify. Many declarations require all risk * insurance to be obtained as this coverage is far broader in scope and provides full coverage for all property damage no matter how occasioned, subject to specified exclusions listed in the policy.
24 1. (a) Property Insurance Cont d The beneficiaries of the insurance are the condominium corporation and the owners. Improvements made to the standard unit made by the owner are not required to be covered. Coverage is on a replacement cost basis, subject to a reasonable deductible.
25 1. (b) Standard Unit By-laws The Act has created the concept of a standard unit. This is intended to establish, for insurance purposes, what portions of a condominium unit will be insured by the condominium corporation, with the remainder being the responsibility of the individual unit owners to insure. Anything beyond the standard unit is considered an improvement and is the unit owner s responsibility to insure.
26 1. (b) Standard Unit By-laws continued It should be noted that chattels (your stuff) are not part of the standard unit definition. A standard unit by-law is also not intended to, nor can it, change the unit boundaries of the corporation or any part of the common elements. The standard unit definition must restrict itself to the unit components of the corporation.
27 1. (c) Insurance Deductible By-laws There will be a deductible under the corporation s master policy, being an initial amount of an insured loss that an insurer will not pay. The Act states that the amount of any deductible in the insurance policy shall be a common expense of the corporation.
28 1. (c) Insurance Deductible By-laws There are two exceptions to this general rule: (i) where the owner, lessee or resident of the unit is responsible for the damage to his or her unit, in which case the owner is responsible for the lesser of the deductible and the cost of repairing the unit, and (ii) where the corporation enacts a by-law that provides that the deductible can be charged back to the unit that is damaged where the damage was not caused by the condominium corporation or the owner and the owner is responsible for the repair of the unit
29 (c) Insurance Deductible By-laws con t The deductible can be collected in these circumstances in the same manner as common expenses. Owners may also obtain insurance to cover the amount of the deductible.
30 1. (d) Property Claims Reporting Procedures Losses should be reported to your insurance broker as soon as possible. Photos/diagrams should be obtained Emergency repairs may need to be completed to mitigate the loss contact information regarding contractors should be provided by your broker. Gather as much information as possible if there are any at-fault parties
31 1. (d) Property Claims Reporting Procedures Gather witness contact information For those who are insured through S&H, these are reported as per protocol to your adjuster contact. The adjuster will obtain the information above for you.
32 1. (e) General Liability Coverage The Act mandates that all condominium corporations obtain and maintain comprehensive liability insurance as the occupier of lands for the common elements and for the assets of the corporation.
33 1. (e) General Liability Coverage continued The insurance industry offers a Broad Form of liability coverage which can be broadened considerably by the attachment of endorsements. This type of coverage is usually referred to as CGL commercial general liability insurance. This will cover exposure to occupier s liability and a host of ancillary coverages. A key point to remember is that the definition of insured should include all officers, directors, and employees.
34 General Liability Cont d Your Legal Responsibilities & Risks Occupier s Liability under common law, as an occupier of your business premises, you owe a duty of care to anyone entering onto your property to keep them safe from harm Definition: An occupier is someone who has: o Physical possession of a property o Control over the activities on a property o Access to the property
35 General Liability Cont d Duty of care owed When might an occupier be found liable? What Plaintiffs must prove in court Factors the Court consider What information should be obtained to aide your defense?
36 1. (f) CGL Claims Handling An occurrence report should be completed this is done by you and not the claimant Never admit liability Do a proper scene investigation so that evidence is preserved Do not discuss the incident with anyone other than your insurer or legal counsel
37 1. (f) CGL Claims Handling continued Forward all legal documentation immediately to your insurer Gather as much information as possible about the claimant while making them as comfortable as possible Gather as much info as possible about witnesses
38 1. (g) Boiler & Machinery Coverage The Act mandates that condominium corporations obtain and maintain insurance covering the corporation s use and operation of boilers, machinery, pressure vessels and motor vehicles, as applicable. Most declarations require this type of insurance, as well.
39 1. (g) Boiler & Machinery Coverage continued This type of insurance is usually obtained for highrise buildings because of their centralized heating, and hot water and air-conditioning systems, but can also be required by townhouse and stacked-home condominium corporations should they have central systems, pools, recreation centres, commercial units, et cetera. Boiler and Machinery policies are designed to insure against the sudden and accidental breakdown of equipment or explosion damage by pressure vessels.
40 1. (h) Directors and Officers Liability Coverage The Act states that condominium corporations are obligated to purchase and maintain directors and officers liability insurance for their acts done honestly and in good faith, but only where the insurance is reasonably available. Directors and officers liability insurance is designed to protect the condominium corporation from losses/claims flowing from the mistakes of the directors and officers.
41 1. (h) Directors and Officers Liability Coverage continued Directors and officers liability insurance never protects against losses or claims flowing from dishonesty. In the case of dishonesty, the director or officer bares the risk and the condominium corporation should explore the possibility of fidelity bonding. Directors and officers liability insurance is claimsmade insurance.
42 1. (g) Fidelity Bonding This type of coverage indemnifies the condominium corporation for the loss of money, securities and other property as a result of any fraudulent or dishonest act or acts committed by employees, acting alone or in collusion with others. Condominium corporations should insist on a blanket bond, one that covers not only employees, but is extended to include board members, the officers, committee members and volunteers. Under bonds, the limit erodes
43 2. Personal Insurance Unit Owner Coverage The typical unit owner policy will cover personal property, loss of use of your unit, unit protection (unit improvements and betterments, loss assessment), and certain additional coverages (e.g. loss due to change in temperature, doors and glass coverage, fire department charges, et cetera), and personal liability protection.
44 2. Personal Insurance Unit Owner Coverage continued To make sure that one is adequately covered, it is necessary to increase the amount of insurance by the value of each improvement and, if there is a standard unit by-law in place, by the value of the any fixtures and finishings, as applicable. Unit owners should discuss deductible insurance with their agents and brokers
45 3. Risk Management Transferring Risk Three-Step Loss Prevention Program o identify hazards o implement procedures o document procedures
46 4. Other Issues / Hot Topics A) Appraisals What is it for? What does it do? Is it required? Replacement Cost vs. Market Value Helps protect the directors as there is normally an exclusion in D & O policy
47 4. Other Issues / Hot Topics Cont d B) Premiums / Rates Are they on the rise? What can be done to minimize price increase? C) Standard Unit By-law Why have one? How detailed should it be?
Definitions Occupier A person, company or other entity that owns the premises, has possession of it or has responsibility and control over it. All parties that have an interest in a property, such as landlords,
OCCUPIERS LIABILITY SLIPS, TRIPS +FALLS BUSINESS INSURANCE VISIT IBC.CA SLIPS, TRIPS +FALLS result in some of the most common and costly liability claims against business owners. As an occupier of business
HARLEYSVILLE RISK SERVICES Your Partner in Preventing Losses SM The New York City Sidewalk Law Know your responsibilities and take action THE NEW YORK CITY SIDEWALK LAW 2 The New York City Sidewalk Law
WELCOME Turn computer speakers up or connect with telephone to listen to our presentation. (information should appear in your GoToWebinar Control panel on the right). Submit questions by typing them in
Slip, Trip & Fall Program Table of Contents I. Introduction...2 II. Scope...2 III. IV. Definitions...2 Responsibilities...4 V. Practices...5 VI. Slip-Fall Facility Checklist...7 VII. VIII. Training...8
North Dakota State University Slips, Trips, & Falls Program I. Introduction The United States Department of Labor and North Dakota Risk Management accounts that slip, trips, and falls constitute the majority
From the Insurance Bureau of Canada (IBC) Accident: An event that happens by chance and is not expected in the normal course of events, which results in harm to people, damage to property or equipment,
School of Risk Control Excellence Eliminating the Risk Associated with Slips, Trips and Falls April 22, 2015 Wisconsin Safety Council Disclaimer The information, examples and suggestions presented in this
Allyson Baker, Clark Wilson LLP Condominium Home Owners Association A non-profit association serving strata owners since 1976 Bulletin: 400-006 Updated to June 29, 2011 Until property is damaged or some
SAFEGUARDING YOUR EMPLOYEES AND CUSTOMERS: MITIGATING SLIP AND FALL RISKS The Problem Have you ever slipped, tripped or fallen? Perhaps you have watched a television show where a slip, trip and fall was
This publication is intended to provide general information only and is not a substitute for legal advice. Contents Page Information about the Legislation 1 What is a condominium? 2 Condominium Corporation
INSURANCE 101 YOUR USER FRIENDLY HANDBOOK A CO-OPERATIVE EFFORT BETWEEN THE ORGANIZATION FOR PARENT PARTICIPATION IN CHILDCARE AND EDUCATION, ONTARIO AND TABLE OF CONTENTS Introduction...Page 3 The Basic
A Slip, Trip, and Fall Guide For Banks By Scott Simmonds The Event Slip, trip, and fall claims are injuries caused by an accident on the bank premises involving customers, visitors, pedestrians, guests,
Slip, Trip & Fall Program Table of Contents I. Introduction... 2 II. Scope... 2 III. Definitions... 2 IV. Responsibilities... 4 V. Practices... 5 VI. Slip-Fall Facility Checklist... 7 VII. References...
School Board Transportation Consortiums The documents contained within this manual are intended for OSBIE member transportation consortiums as a guide to developing a risk management program that conforms
4/2004 Hospitality Safety Solutions A Pedestrian Safety System to Increase Facility Safety and Reduce Liability Version 1.9 Increase Profits by Reducing Liability 65% of all lost workdays are due to slip-fall
1. Purpose And Scope To establish safe procedures for pedestrians travelling on sites, in plants, on roads in offices or the general area of the workplace. 2. Responsibilities Responsible Person All Personnel
8-2.001 January 2011 Reducing slips, trips and falls in the construction industry Introduction For construction industry employees, injuries resulting from a slip, trip or fall (STF) are the most common
SLIPS, TRIPS AND FALLS POLICY First Issued Issue Version Purpose of issue/description of change Planned Review Date 2 Root cause analysis (RCA), RIDDOR August 2012 and inspection of communal areas referenced
Slip, trip and fall assessment guide The framework to evaluate and assess the potential risk Slips, trips and falls How safe are your floors? How about your stairs? Have people fallen recently? You are
Slips, Trips and Falls Health & Safety Advice One of the targets the Health and Safety Executive have set this year is to reduce accidents caused by slips, trips and falls, one of the most common causes
Slips, Trips and Falls Introduction o Slips, trips and falls cause: The majority of general industry accidents 15 percent of all accidental deaths (~12,000/yr) More fatalities than all other causes but
Discussion Leaders Guide Session Slips, Trips and Falls 1. Preparation You will need a DVD player and a television. Review the Tell, Ask and Review portions of the Discussion Leaders Guide. You will be
Reducing Slips, Trips and Falls The University of Birmingham is involved with work at the cutting edge of technology and research, often using potentially hazardous equipment, materials or substances or
Understanding Your DesignOne Coverage: Commercial General Liability Insurance An educational resource from CNA and Schinnerer CGL insurance is an important coverage for any business. Understanding this
Helping you navigate the Medicare, A risk management Medicaid and guide SCHIP to Extension Act of 2007 slips, trips and falls Contents Introduction... 2 Slip, trip or fall action plan... 2 Incident documentation
Building insurance frequently asked questions April 2012 From 1 April 2011 until 31 March 2013 Ocaso S.A. U.K. Branch will provide building insurance for the leaseholders of Islington Council. The purpose
Guidance to Prevent Slips, Trips & Falls Published June 2005 CONTENTS 1. Scope of this guidance 2. New plant/ installations 3. Maintenance 4. Housekeeping 1. Scope of this guidance Slips, trips and falls
Injury Response Guidelines Emergencies For all emergency situations, phone 911 immediately for assistance. Indicate the nature of the problem, your identification and your specific campus location. Once
Slip, Trip and Fall Prevention Guide Table of Contents Introduction...4 Housekeeping...5-7 Weather...8-11 Stairs...12-13 Sidewalks, Curbs and Parking Lots...14-19 Mats...20-23 Other Issues...24-25 Floor
Slip Trip Fall Prevention Program A Program Development Guide A L P H A F U N D L O S S P R E V E N T I O N S E R V I C E S Slip Trip Fall Prevention Program Guide ALPHA Fund PO Box 619084 Roseville, CA
28 WAYS TO SAVE MONEY ON BUILDING INSURANCE PROPERTY INSURANCE Now, more than ever before, New York City area building owners like you can lower their insurance costs without sacrificing coverage. Because
Snow and ice removal plans for public places Introduction When snow and ice accumulate on walking surfaces, the potential for slip and fall accidents and associated risk of liability greatly increases.
Special Consumer Report Insurance Insider Reveals 7 Dirty Little Secrets No One Wants You To Know About Apartment Insurance How Many Of These Dangerous Mistakes Are You Making? By: Larry Hines, CPCU, CLU,
Walking and Working Surfaces Purpose: This information is presented to improve the level of safety in our operations, and to inform you that we will comply with the OSHA Standard 29 CFR 1910.23. Responsibility:
PHLYisk Management Services SLIP, TIP & FALL PEVENTION GUIDEBOOK 2013 The purpose of this isk Management Guidebook is to provide Philadelphia Insurance Companies (PHLY) customers with information and tools
Page No: Page 1 of 8 1.0 PURPOSE To provide advice and guidance to all persons involved in organizing, planning, managing work construction related activities to eliminate and reduce risk of injury from
ACCIDENT INVESTIGATION GUIDELINES WITH LITIGATION IN MIND Introduction The purpose of this paper is to alert the reader to concepts used in the defense of construction related lawsuits and to suggest how
For Employers and Supervisors The hazards of poor housekeeping The purpose of this Crew Talk handout is to provide employers and supervisors with information to help protect their workers from injuries
Garden State CLE 21 Winthrop Road Lawrenceville, New Jersey 08648 (609) 895-0046 fax- 609-895-1899 Atty2starz@aol.com Video Course Evaluation Form Attorney Name Atty ID number for Pennsylvania: Name of
Preventing Slip-and-Fall Accidents A Guide for Community Banks It s Chubb. Or it s Chance. 2006 Chubb & Son, a division of Federal Insurance Company PREVENTING SLIP-AND-FALL ACCIDENTS A GUIDE FOR COMMUNITY
Preventing Falls, Slips and Trips Falls/Slips/Trips (FSTs) You take hundreds of steps every day, but how many of those steps do you take seriously? Please take a few minutes to understand how Falls/Slips/Trips
4/2004 Supermarket / Retail Safety Solutions A Pedestrian Safety System to Increase Facility Safety and Reduce Liability Version 1.9 Increase Profits by Reducing Liability Grocery stores around the country
CONDOMINIUM UNITOWNERS Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions is up to
Slip, Trip and Fall Prevention Guide This guide describes some common slip, trip and fall hazards and discusses measures organizations can take to reduce the risk of same-level slips, trips and falls on
EXHIBIT Insurance Requirements Subject to approval by the City's Risk Manager of the insurers and policy forms, and further subject to HUD's rights under the HUD Documents during the term of the HUD Documents,
A PUBLICATION BY: GODFREY MORROW GODFREY INSURANCE MORROW AND INSURANCE FINANCIAL AND SERVICES FINANCIAL LTD. SERVICES LTD. 2012 What are the main liability policies you should consider for your commercial
AGENCY CUSTOMER ID: NEW YORK CONSTRUCTION CERTIFICATE OF LIABILITY INSURANCE ADDENDUM DATE (MM/DD/YYYY) THIS ADDENDUM SUMMARIZES SOME OF THE POLICY PROVISIONS IN THE REFERENCED INSURANCE POLICIES AND IS
The Problem Reducing Employee Slips, Trips and Falls Work place falls injure or kill thousands of people annually. In addition, for every serious injury, employees lose an average of 31 workdays. The costs
INSURANCE PROTECTION FOR THE CHURCH Your church represents a major financial and personal commitment by your members. It is important that you select the proper insurance carrier and the proper insurance
18. INSURANCE. Grantor shall incorporate this Section in its entirety as a contractual requirement in any agreement for construction or alterations on or about the Property, and shall include a provision,
A Guide To Insurance Issues For Homeowner, Condo And Civic Associations Info and tips for officers and members of community associations in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance
COMMERCIAL GENERAL LIABILITY UI GL 39 04 14 COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT The Commercial General Liability Enhancement Endorsement is an optional endorsement that provides coverage
Slips, Trips, and Falls Hazard Recognition and Best Practices Chubb Loss Control Services 24 th Annual Schedule 2 Employers Group Conference October 8-9, 2013 Agenda Regulatory References Extent of Falls
Construction Employers Federation A Best Practice Guide to Preventing Slips, Trips and Falls FOREWORD Some of you may be surprised to know that slips and trips are one of the most common causes of serious
Slips, Trips, Falls ISABEL KRUEGER, CRSP Slips Trips and Falls HOW THEY HAPPEN AND WHAT WE CAN DO ABOUT IT. 1 Definition Slip too little friction or traction between a person s feet and the walking surface.
Loss Prevention Have a SAFE Workplace: Eliminate Slips, Trips and Falls What To Do In Case Of An Accident Attend to the injured person. Contact your trained first aid representative onsite. Call Emergency
24 HOUR ANSWERING SERVICE The regular office hours at our firm are 9:00 am to 5:00 pm Monday to Friday. After these regular hours, the same telephone number is answered by a Telephone Answering Service,
LIABILITY INSURANCE Particular Conditions for Industrial Operations Basic Coverage Coverage is provided within the scope of the policy conditions on the liability incurred by the Insured for third party
Preventing Slips, Trips, & Falls OSHA s Walking & Working Surfaces, & Fall Protection Standards Contents Introduction and Purpose General Injury Prevention Overview of Slips, Trips and Falls Types of Housekeeping
Office of Public Registry Administration email@example.com CONDOMINIUM FACT SHEET: INSURANCE What is the applicable legislation? The current Act is The Condominium Property Act, 1993. The current Regulations
TENDERING CLAIMS UNDER YOUR CGL INSURANCE POLICY By Nick M. Campbell, Esq. GREEN & CAMPBELL, LLP Please note that this article is only intended to provide some general educational information regarding
Chapter 21 Homeowners Insurance, Section II Agenda Personal liability insurance Section II Coverages Section II Exclusions Section II Additional Coverages Section II Conditions Endorsements to a Homeowners
Fylde Council - Health & Safety Preventing Slips, Trips and Falls GUIDANCE NOTE: Introduction Slips and trips are the most common of workplace hazards and make up over a third of all major injuries. In
Many workers are injured annually due to falls on walking and working surfaces. These injuries account for a significant percentage of lost-time injuries. Not only are slips, trips, and falls an economical
Slips Trips & Falls What To Avoid Did You Know? According to the Bureau of Labor Statistics: Fatal falls, slips, or trips took the lives of 666 workers in 2011, or about 14 percent of all fatal work injuries
Required Insurance Language for PRF Construction Contracts When working with legal counsel to affect a construction contract for new construction or for build-outs the Purdue Risk Management Department
GENERAL SPECIFICATIONS REHABILITATION RESIDENTIAL CONTRACTORS HANDBOOK CITY OF GRAND PRAIRIE, TEXAS HOUSING AND NEIGHBORHOOD SERVICES COMMUNITY DEVELOPMENT (CDBG) DIVISION 205 WEST CHURCH GRAND PRAIRIE,
Q&A Questions and Answers on Insurance for Housing Co-operatives What insurance does our housing co-operative need? You need at least five kinds of insurance perhaps more, depending on your circumstances.
Chapter 1 Chapter Objectives Your learning objectives are as follows: Understand the mechanism of insurance. Understand the difference between property and casualty insurance. Learn the parts of the insurance
There are countless drivers across the state of Arizona that are uninsured or underinsured. In fact, it is estimated that one (1) out of every five (5) drivers on the road is driving without insurance.
COMMERCIAL PROPERTY General Instructions The Commercial policy provides property coverage using the forms and endorsements specified herein. This program contains the rules, classifications, and premiums
Example risk assessment for a motor vehicle mechanical repair workshop Setting the scene The garage manager did the risk assessment. The business employed 12 mechanics, including two apprentices who carried
The Complete Guide to Condo Association Master Insurance What kind of insurance does a condo building need? Condo buildings have unique insurance needs because each unit owner owns a portion of the building.
WEATHER HAZARDS AND PRECAUTIONS STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN SEVERE WINTER WEATHER PROPERTY RISK CONTROL Winter weather not only brings freezing temperatures with it, but all
Section 1 PROPERTY HAZARD INSURANCE INTRODUCTION 1.1 Skyline Financial Corp. General Requirements Skyline Financial Corp. ( Skyline ) requires proof of protection against loss or damage from fire and other
Builders Risk - Sticks & Stones CAN Hurt You! sponsored by BUILDER S RISK - Sticks & Stones CAN Hurt You! Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781 NORTH KINGSTOWN, RI 02852 Phone: 401-294-3557
CANADA USA AUSTRALIA UNITED KINGDOM SINGAPORE Safetycare Inc. Telephone (905) 631 6070 Facsimile (905) 631 8183 Safetycare Inc. Telephone 1800 323 6638 Facsimile (905) 631 8183 Safetycare Australia Pty.
Presented by: Daniel P. O Brien, JD Copyright 2011 Compensation Analysis, Inc. Not to be reproduced in any manner without prior consent AUTOMOBILE INSURANCE Coverage on the risks associated with driving
Iowa Association of Municipal Utilities Safety Group Insurance Program The IAMU Safety Group Since 1980, the Iowa Association of Municipal Utilities, Risk Management Consultants Ltd., and EMC Insurance
COMPREHENSIVE INSURANCE PROGRAM A Group Program Designed Exclusively For Canadian IABC Members* Underwritten by: AXA Insurance Company of Canada 24 Hour Claims Response Hot Line Toll Free 1-800-268-8865
SLIPS, TRIPS AND FALLS A WORD FROM THE DEFENCE By: Daniel I. Reisler and Mouna B. Hanna REISLER FRANKLIN LLP Toronto, Ontario So you have been retained to defend against a slip/trip and fall claim. Where
Special Report HOW TO REMOVE SIDEWALK TRIP HAZARDS ON TIGHT BUDGETS Managing ADA Compliance, Risk, and Budget Gary Beneduci President Precision Concrete Cutting Los Angeles & Central Coast Region January
Northumberland, North Tyneside, Newcastle North and East, Newcastle West, Gateshead, South Tyneside, Sunderland, North Durham, Durham Dales, Easington and Sedgefield, Darlington, Hartlepool and Stockton
Your consent to our cookies if you continue to use this website.