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Amity Insurance Newsletter – Jan 11, 2013

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Featured Articles

Example of Homeowners Liability that Goes Beyond Your Home
One misconception about homeowners liability insurance coverage is that it only covers incidents in the home. In actuality, the Comprehensive Personal Liability (CPL) coverage under a homeowners insurance policy is really not associated with any location, other than the limitations and exclusions on the policy. Here are some examples of what probably would be covered by CPL...More>>

How to Reduce Stress When Filing an Insurance Claim
Many of the complaints insurance companies receive each year are from customers who are unhappy about claims handling. For many years, one of the top complaints people have regarding the claims process is a delay. When people are dealing with the issues that made them file a claim, it can be frustrating to handle an insurance claim on top of that. For this reason, it is important for all policyholders to be prepared. One of the best ways to do this is to make sure all of the information the insurance company would need is always available. Policyholders should keep this information in a safe place where it will not be forgotten. The following suggestions are also helpful...More>>

How To Determine Whether Workers Are Employees Or Independent Contractors
The United States Department of Labor and the Internal Revenue Service have combined their efforts to help various states share resources and information that will expose worker classification violations. Employers found to be in violation could face paying back taxes, back pay to workers, missed overtime, retroactive benefits, interest, fines, staff effort charges and legal fees. With situations where there are multiple violations or willful negative intent, the penalties and fines are worse. In addition to the money a violation would cost, employers would also face the negative effects of this damaging information being made available to the public...More>>

Can Your Business Survive an Interruption?
Every year, after nearly every natural disaster, thousands of small businesses face a true acid test: Can their business survive an interruption? Hurricanes Andrew, Katrina and Sandy and the tornados that struck Joplin, Missouri in 2010 didn't just affect structures: They knocked thousands of small and medium-sized businesses out of commission for days, weeks and sometimes months...More>>