When was the last time you had your car checked? If you are not a very big fan of car repair services, then you better think twice now. Not getting the right car maintenance check-ups could make you spend more on car repair services. If you want to save on costs, then skipping on car check-ups is not the way to do it.
In the beginning, it will look like you are cutting down your costs because you’re not hiring expert mechanics to check on your car. And yet before you know it, all of these so called savings would fall apart. Your car will break down and you will realize that you have done something that is going to cost you a big amount of money. When your car does not get proper maintenance could also require you to pay higher insurance premium.
Why should you keep your car properly regularly checked and maintained according to Grande Prairie Car Insurance experts? Top reasons in this list:
Improve overall car efficiency – A regularly checked vehicle can be with you for a long, long time. It also assures you of a save driving experience while you are on the road. More than that, a highly functional car can bring lessen the monthly premium that you pay for. A low insurance payment means a lot of savings already.
Car Security – Your vehicle will always be in good running condition to take you where you wish to go. To make sure that you will always be safe and secure while traveling, you must always have your car mechanic on call.
Car Warranty – Car warranties tell the owner what the car needs to keep it from acting up while you’re driving. When the owner neglects the rules, then they could lose a lot. When your warranty is cancelled, not only are you going to lose your car repair services that come for free, but your credit rating could suffer too.
Market Value – a car that gets all the maintenance repairs when they should get it can mean getting it sold to a good buyer that will pay for a good price. With the right car insurance provider, you can get anyone interested to buy the car.
As the increase in demand for good health and fit body, the responsibilities of dieticians have increased too. Sadly, the same demand has put them in a higher risk of malpractice lawsuits. But is this the end of their medical practice? After all the years of training and practicing, dieticians deserve to get more out of their practice. More than doing what they love to do, it is about helping people change lives for the better.
Much like other professionals, it is a dieticians nightmare to be facing a malpractice lawsuit. The risk of helping people improve their health through proper diet can be quite strong; thus, it is only important that they get proper Professional Liability Insurance. In the past, a lot of dieticians considered themselves lucky because there was never any news about the dieticians getting sued for malpractice.
The practice of dieticians has always been a concern for other medical professionals. Although the risk for them may not be as high as that of a surgeon, it is still a must that they consider getting Professional Liability Insurance for dieticians. No dietician would want to be sued, but it just in case, it is best to be prepared to face it. Dieticians do not know when they would be making a mistake, thus having the insurance coverage will ensure that they get all the legal help needed when the time comes.
What are dieticians battling with? It is the legal system that actually puts dieticians in a difficult situation. Although it is rare that they get sued for unethical behavior, the law states that anyone and practically anyone can file a lawsuit against a dietician. Although most of them may not have sufficient cause for a case, they may readily do so. As they pursue it, they are putting the career of a dietician on hold.
Sadly, these short breaks could resort to the worst. Medical malpractice, even though they are proven wrong, is never understood by majority of their clientele. Instead of going back to their dietician that they trust, they tend to find another one — ones that are not involved in a lawsuit. Would you risk it?
Everybody needs to protect themselves from the worst that could happen. Whether you are a business man or a health care professional, you put yourself at risk the moment you step outside your home and get yourself into your work space. Getting professional liability insurance can protect you and wipe all your worries away. As a health care professional, it is a must that you get yourself the right protection as much as your patients come to you and trust you with their life.
Health care professionals are at greater risk every day not only because they deal with the worst health care problems, but because their professional practice involves the lives of a lot of people. Professional Liability Insurance for healthcare is a must in order to give health care professionals the security they need and wipe away all their worries. How must they choose the right one?
First, it is a must that they are able to identify their needs. Their job description as a health care provider and practitioner will help them identify the protection that they need as well as the risks that they face on an everyday basis. Once they know what they need, they can easily choose which insurance coverage is best for them.
Second, you need to look into the specialization of the insurance company that you intend to get your insurance from. They must be able to understand what it takes to be a health care provider and the demands of the job that put you and your practice in great risk.
Third, opt for more options. If you can have three or four of them to look into, that would be great too! The more insurance policies you have on hand, the more likely will you be able to end up with the best one. Remember that the goal is to get protection for your profession and practice and that is what your policy should contain.
There is no secret way in getting the best Professional Liability Insurance for healthcare providers, but there will always be ways on how you can get yourself a good one. These steps will enable you to find the most decent insurance provider who knows exactly what a health care professional is up against.
Have good relationships with your clients. The kinder you are to them, the less likely to be sued you will be. Also consider potential clients carefully. If a person has a history of going through several realtors in the past, this might be a red flag. Don’t work with difficult people and steer clear of anyone who brings up the possibility of suing you or having sued a realtor in the past.
Document everything. From your email conversations to your meetings, document everything. Some people even go as far as recording conversations with a client. Remember that in the event of someone suing you, not documenting enough can prove to be your biggest downfall.
Disclose, disclose and disclose. This might sound obvious to some, but the best way to anger someone is to hide something from them. In the real estate world, this has the potential to be incredibly costly. No matter how small you think a flaw is, always disclose it to a client.
Don’t offer opinions. Doing this can put you in a very sticky situation down the road. When a client asks for your opinion, refer them to a source (either online or in real life) that could prove to be useful to them. Everything you say has the potential to be misunderstood, misconstrued and even twisted by clients—so choose your words carefully.
An choose your battles carefully as well. With proper judgement and enough knowledge, however, there should be no reason for you to enter a battle at all.
As a professional, being up to date with the latest insurance policies is a must. After all, simply going to work each day entails a good number of risk. This is why you should never underestimate the importance of being adequately covered under the right insurance policies.
So which policies are the “right” ones? While this might vary from person to person, usually a professional working in a field where the possibility of a person filing a lawsuit against them exists should be covered under a professional liability insurance policy.
It is important to note, however, that this type of policy is not the same as a commercial general liability insurance policy and that the two should never be confused with each other. In simple terms, a professional liability insurance policy protects the insured from financial loss associated with a professional negligence or an error or omission that occurred during the course of their work. Such negligence or error tends to vary depending on the person’s profession. As an example, a lawyer might be sued for breaching their fiduciary duty if they take advantage of their position to gain a profit at the expense of their client. If the lawyer is uninsured, then they have to the pay the fees associated with this lawsuit out of their own pocket. If they are unable to do so, then going bankrupt is often their only option left.
On the other hand, a commercial general liability insurance policy extends to cover claims related to actual physical damage incurred. Such damage can include bodily injury, personal injury and even property damage. As an example, it is not uncommon for people to fall and hurt themselves only to hold the owner of the office or premise liable and proceed to sue them. While this might be difficult to believe, it happens on a regular basis. How do you know that it won’t happen to you?
As a professional—especially if you own an office—your best bet is to arm yourself with those two types of coverage. Only then will you be able to safeguard the future of your profession to the best of your abilities.
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Consulting jobs are some of the most sought-after jobs in the working world. The truth is that such jobs—while they can be incredibly rewarding, both emotionally and financially—come with a certain degree of risk. Think about it for a minute: Consultants are people hired to give advice to companies and organizations. They are there to pinpoint problems and to find solutions for said problems by providing companies with an outside, objective point of view.
This might sound like the dream job for many people, and in a way it is. But what happens when a consultant’s advice turn up to be damaging to a business or an organization? While many of these businesses or organizations would not bother filing a lawsuit against the consultant, many of them would. If the consultant is not properly insured, this lawsuit could potentially prove to be fatal to their business. As a consultant, how do you prevent such error from backfiring on you? The answer is simple: You have to be insured—and you have to be insured adequately.
That’s right, if you’ve been neglecting going over the many different types of insurance policies available to you, now might be the time to do it. Among those policies you will find that the professional liability insurance for consultants has the potential to save you lots of trouble down the road.
So what is that policy exactly, and why should you bother with it? If you take a look at the example above, you will have your answer. A professional liability insurance policy, in simple terms, protects consultants from financial loss associated with errors and omissions. In our example, the consultant gave advice that ended up damaging a business—how exactly such advice can end up damaging a company depends on the consultant and the company, but the fact remains that it did. The company then decided to file a lawsuit against the person. As an uninsured consultant, this should be your biggest worry. After all, what tells you that this person in our example can’t be you tomorrow? In this scenario, you would have no other choice but to go bankrupt.
For the insured consultant, however, this is when the claim process comes into play. So to answer the original question: Yes, consultants need professional liability insurance coverage, and they need it as soon as possible.