...Protecting your assets, licenses, and name that Allied Non Physician Healthcare workers have achieved for themselves means having Professional Liability Insurance. Many people do not realize that not only doctors need professional liability insurance but any profession that encounters consumers may need it. Professional Liability Insurance protects professionals against negligence claims made against them. Professional Liability Insurance is as known as “Errors and Omissions Coverage” that physicians, insurance agents, accountants, attorneys, etc. all need. Pharmacists are one profession that needs professional liability insurance due to the continuous risk pharmacist’s face on an everyday basis. Pharmacist needs additional coverage in the profession because relying solely on the employers insurance may not be adequate protection for you. Most employer coverage’s protect their interest first and always, so it is a pharmacist responsibility to ensure they have a backup plan. Considering a pharmacist career, reputation, and licenses at stake; a malpractice lawsuit can impact someone’s financial well-being completely. A pharmacist can have their own coverage through Healthcare Providers Service Organization (HPSO) that will ensure protection needed as a licensed pharmacist. HPSO offers more malpractice protection that exceeds the limitations of many employer plans. HPSO cover legal costs, court settlements, license protection for up to one million dollars in coverage (HPSO, N...
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...Sales Presentations | Instructions: For each of the 10 Sales Presentation Apply It! activities in this worksheet: Complete your response for the Apply It! activity you are working on. Go to the corresponding activity section below. Follow the steps for that activity. Enter your answers in the space provided for that activity. Save the changes you make to this worksheet before submitting. Submit your saved worksheet to your facilitator. Return to the Apply It! activity in the course (or click the Submit Sales Presentation button) . Click the link that corresponds to the activity you completed. Follow the instructions on the Submit Sales Presentation page to upload and submit your saved worksheet. | Module 1 Lesson 2: identify allstate & agency value & benefits - (activity 1 of 10) | Steps Locate and print the following documents from the Agency Process Library. (Hint: You will find these resources and more when you click the “The Sales Process – Care Sell Quote Close” link available in the “Acquisition” section.) The Allstate Competitive Advantage job aid The Six Questions Reference Sheet Discuss with your Agency Owner or Office Manager the values and benefits they would like you to promote about the agency and about Allstate. Document the top two values and benefits to promote about the agency and about Allstate. Submit your answers to your facilitator (see Instructions box above)...
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...Insured 457923 Ontario Limited Named insured(s); Tom Hardy Hardy Pettit Patel, Coverage Commercial General Liability Coverage, premises liability Loss details Februrary 29,2012 around 10 am, customer slipped and fell on the stairs coming down from the 2nd floor on his way to leave the store. Craig Stover slipped on the wooden steps leading to the sidewalk from the front porch and entrance to Hardy’s office. No ambulance attended, but receptionist help him. 3rd party Craig Stover Investigation An investigation has taken place to determine; • The condition of the stairs and stair well lighting at the time of the accident • Weather conditions • Contact information and statements from any eye witnesses • If Sterling Fine Furniture owes a duty of care to the 3rd party, if that duty was breached, and was the breach the cause of the injury • Dose Sterling Fine Furniture have liability coverage under any other contracts and the detail of • How the injury occurred • The type of footwear worn by Ken Williams Police No police report available, police did not attend the scene Injury or property damage Craig Stover suffered low back injury as a result of slipping on the stairs. Reserves • Reserves have been established for the following costs; • Salary for hired hand • Loss of income sustained by Craig’s wife • Other incidental cost to continue running the business • Medical expenses incurred by Craig...
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...Project U269 Legal Aspects Ownership: Sole Trader Reasons why the ownership is suitable for my business: it is owned by one person, as the sole trader the owner is personally liable for the business debts, and may have to pay them personally. This is called Unlimited Liability. Advantages: * Not many legal restrictions on forming a business * Allows for a more personal service to the customer * Easier to maintain control, make decisions and implement changes quickly * No need to share profits * Financial information is kept private. Disadvantages * Risk of unlimited liability * Business growth is limited by the amount of capital one person can raise * Long hours and difficult in finding time off from holidays of illness * No one to share the responsibilities of the business with, which can be quite stressful and lonely Terms and Conditions When a company starts out, it is important that it clearly sets out the business traders. New business owners need to be aware of their legal obligations under the trading terms and conditions, which should include information on pricing, payment term, credit facilities, and delivery options and so on. It is always recommended that the trading terms and conditions which conditions should be put in writing and agreed in writing by the customer. This will help protect the business from any disputes with customers. The ordering hours for my business is 24/7 as it’s a website, but the delivery times...
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...Department of Finance 515 North Avenue New Rochelle, NY 10801 Howard Rattner Commissioner Tel (914) 654-2063 Fax (914) 654-2344 Writer’s Tel (914) 654-2353 Mark Zulli Deputy Commissioner City of New Rochelle New York REQUEST FOR PROPOSAL Specification No. 4731 CONSULTING SERVICES for DESIGN, ENGINEERING, PERMITTING and CONSTRUCTION COORDINATION of the CITY (FLOWERS) PARK ATHLETIC COMPLEX 1) INTENT The City of New Rochelle is soliciting proposals from qualified firms to provide consulting and engineering design services for the renovations and expansion of facilities located at the City (Flowers) Park athletic complex, located on Fifth Avenue, New Rochelle, NY. 2) PROPOSAL DUE DATE Proposals will be accepted up until 3:00 pm on December 12, 2007 in the Purchasing Office, City of New Rochelle, City Hall, 515 North Avenue, New Rochelle, New York 10801 and should be mailed to the attention of Mark Zulli, Deputy Finance Commissioner. Please include “RFP-NR-4731” on the outside mailing label of your response package. 3) OVERVIEW The project goals include the renovation/replacement, relocation, construction and expansion of five athletic fields within an existing athletic complex. The major change will be the relocation of the current 90’ baseball field, focusing on improved orientation with the creation of a regulation sized baseball stadium with lights, artificial turf, grandstands and a field house. Repositioning a lighted adult softball field to standard 300’ foul line dimensions...
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...Dublin Institute of Technology ARROW@DIT Other Resources School of Real Estate and Construction Economics 2013-01-01 The RIAI Standard Form of Contract 2012 Edition: a Review Tony Cunningham Dublin Institute of Technology, tony.cunningham@dit.ie Follow this and additional works at: http://arrow.dit.ie/beschreoth Part of the Construction Law Commons, Contracts Commons, and the Real Estate Commons Recommended Citation Cunningham, Tony, "The RIAI Standard Form of Contract 2012 Edition: a Review" (2013). Other Resources. Paper 6. http://arrow.dit.ie/beschreoth/6 This Review is brought to you for free and open access by the School of Real Estate and Construction Economics at ARROW@DIT. It has been accepted for inclusion in Other Resources by an authorized administrator of ARROW@DIT. For more information, please contact yvonne.desmond@dit.ie, arrow.admin@dit.ie. This work is licensed under a Creative Commons AttributionNoncommercial-Share Alike 3.0 License THE RIAI STANDARD FORM OF CONTRACT - 2012 EDITION: A REVIEW Tony Cunningham Dublin Institute of Technology School of Real Estate and Construction Economics Introduction The RIAI „yellow‟ and „blue‟ Forms of Contracts have been recently amended and published as the 2012 edition. The yellow form where quantities form part of the contract is identical to the 2011 edition and has been republished as the 2012 edition. The 2011 version superseded the 2002 version. This paper reviews and synopsises the provisions...
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...please use the address change stub provided with the invoice, business letterhead, or company email. • Request a W9: Our Federal Tax ID number is: 31-0841368. • Receive a copy of the agreement: We encourage you to refer to the signed agreement for important details concerning fees or taxes that may be applicable to the agreement. • Provide insurance: Insurance coverage must be maintained to avoid risk of equipment loss. If you have not provided proof of insurance, please do so at your earliest convenience. If no proof of insurance is provided, you will be enrolled in a Property Damage Surcharge program as described below. Beginning with your second invoice, you will be billed a monthly property damage surcharge up to .0035 of the equipment cost as a result of our credit risk and administrative and other costs. We may make a profit on this program. In case of loss or damage, this program may cover your financial obligation on the contract. This program will not pay for equipment replacement. You are responsible for paying surcharges accrued before proof of insurance is received. You remain responsible for liability insurance coverage on the equipment at...
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...Request for Proposals Field of Dreams Dean Project Management (DPM) 3625 W Royal Ln., Houston, TX 77062 September 2013 Contract and Procurement Mgmt-4/2/2013 TABLE OF CONTENTS 1. INSTRUCTIONS TO BIDDERS 3 1.1. General Description of Work 3 1.2. What Must Be Included with Bid 4 1.3. Schedule of Bid Period Activities 4 1.4. Location of Work 10 1.5. Pre-Bid Meeting 10 1.6. Owner Contact for Questions 10 1.7. Pre-Award Surveys 10 1.8. Sealed Bid Requirements 10 1.9. Basis for Bid Evaluation 11 1.10. Ethical Standards 11 1.11. Responsibility for Surety Bonds 11 1.12. Proposal Format 11 1.13. List of Bidders 11 1.14. Letter of Acknowledgment 11 2. DESCRIPTION OF WORK 12 2.1. Engineering Contracts 12 2.2. Construction Contracts 13 3. PROPOSAL 13 3.1. Breakdown of Bid Price 14 3.2. Revisions and Extra Work 14 3.3. Escalation Formulas 14 3.4. Scheduled Completion Dates 14 3.5. List of Subcontractors 14 3.6. Key Supplier or Contractor Personnel 14 3.7. Length of Time Bid Is Valid 14 3.8. List of Bid Document Addenda Reviewed by Bidder 14 3.9. Notice of Conflicts or Errors in Bid Documents 14 3.10. Clarifications of Bids 15 3.11. Bidder Signature 15 4. SPECIFICATIONS AND DRAWINGS 15 5. SPECIAL CONDITIONS 15 6. GENERAL CONDITIONS AND CONTRACT AGREEMENTS 16 Appendix A 17 Appendix B 18 Supplier/Bidder List 18 ...
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...JERMANOKConstruction ------------------------------------------------- 26-38 Corrimal Street, Wollongong, NSW 2500; Tel: 02-4225-3202; www.jermanok.com.au Proposal of Renovation Date: December 11, 2010 Work to be performed for and at: Amy Wright and Bill Pedersen 42 Kembla Street Wollongong, NSW 2500 Scope of work: Renovation of second floor bathroom and bedroom according to architectural plans supplied by the customer. 1. Demo of all partitions, bathroom, and chimney. $4,125 2. Framing and drywall (skim coat), including ceilings and closets. $5,125 3. Finish work: window casings, door casings, ceiling molding. $3,750 4. Floor, wall, and ceiling prep and patch work. $2,500 5. Floor tile — installation only (100 sq. ft.). $ 625 6. Wall tile — installation only (100 sq. ft.). $750 7. Cabinet installation in bathroom. $600 8. Oak floor: layover in bedroom. (182 sq. ft.). $1,456 9. Shower door and recessed medicine cabinet. $ 500 10. Blown-in insulation, work area (approx. 800 sq. ft.). $2,000 11. Shelving above dryer and closets and poles (2 closets). $800 12. Patching of duct, trim, and offset duct. $937 13. Coordination of patching and boxing of pipes and heading-off joists. $1,875 14. Permit and inspection services. $500 Total estimated job cost: $25,543 Approximate job time: Six weeks Payment schedule: 5 equal payments of $5108.60 First payment is due upon acceptance of this estimate; three payments are due...
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...“THE CONCEPT OF RELEVANCE IN THE LAW OF EVIDENCE IS NOT AS STRAIGHTFORWAD AS IT APPEARS TO BE.” DISCUSS It is difficult to spell out a straightforward definition of the concept of relevance (Tapper, p71). In the R v Nethercott case, it was held that any two facts to which the concept of relevance is applied are so related to each other that according to the common course of events, one either taken by itself or in connection with other facts, proves or renders probable the past, present or future existence or non-existence of the other. According to Lord Simon in DPP v Kilbourne, “Evidence is relevant if it is logically probative of some matter which requires proof… It is sufficient to say … that relevant (that is, logically probative or disprobative) evidence is evidence which makes the matter which requires proof more or less probable” (Allen, p8). Essentially, relevant evidence is that which makes the matter requiring proof more or less probable. In this sense, relevance is arguably an absolute concept, as proof of one fact either makes the existence of another more probable, or it does not. Notwithstanding, relevance is often regarded as variable, just as evidence can be regarded as more or less relevant. Zuckerman describes relevance as “having a contextual and dynamic nature”, and the relevance of one fact to another can be judged on its own or in connection with other facts (Zuckerman, p46). This seems to relate more to the cogency of the evidence, given its relevance...
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...projections (below) you will know what budget you have set yourself. You will need two figures: a. Capital Outlay; Are you purchasing the premises? Also, purchase or not, what expense will you incur converting them to the school you want. b. Ongoing expense – rent/mortgage repayment. Consider the following issues: - Costs. Apart from wages this is likely to be your biggest cost. - Access for students (public transport availability, parking, etc) - Other tenants in the building. Will your sudden surges of students arriving and leaving create problems for you? - Natural light for your classrooms. - Legal requirements; health & safety, fire, emergency exits and so forth. Discover what insurance will cost, particularly public liability insurance. - Potential income. How many classrooms can you operate, and how many classes will go through each classroom in a day? At what point will your premises limit your potential growth? - What level of outfit are you going to apply to your premises, given that you want to impress your students with a professional set up on the one hand, but not blow your limited budget on the other. 4. People Identify who you are going to employ and at what point? Will you do all the work at the beginning? If so how many students will it take before there is too...
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...Bridging Your Coverage Gaps A Personal Excess Liability Policy (PELP) from MetLife Auto & Home provides coverage that helps bridge the gap between the amount of any legal judgment against you and the liability coverage of your existing policies. This valuable policy offers added liability protection you may need if someone is injured on your property or hurt in an accident involving your auto, boat, recreational vehicle or snowmobile. The coverage even protects against other liability claims* that may not be covered by your existing polices, including: false arrest, slander and defamation of character How a Personal Excess Liability Policy Works As the name implies, a Personal Excess Liability Policy provides an added layer of protection on top of your existing auto and homeowner insurance policies. Further, with a PELP, you’re protected with the full coverage amount of your policy, plus the standard liability coverage amount from your existing auto or home policy. You get the $1 million protection in addition to the liability coverage provided by your auto or home policy. Let’s say you have: $1 million of personal excess liability coverage. $300,000 of auto or homeowner liability If you were sued for $1 million, your basic auto or homeowner policy would cover the first $300,000 of the lawsuit costs, then your PELP policy would cover the additional $700,000. Without this additional liability coverage, your current and future assets and income...
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...TENDENCY AND COINCIDENCE EVIDENCE IN CRIMINAL CASES (Parts of this paper are a repetition of a paper I prepared for the Legal Aid conference last year and which was published in Bar News Criminal Law Special Edition.) Ian Barker QC 1. I have practised law from a time beyond which the memory of man runneth not. At least, that is how it feels. During those years I managed, I think, to develop a slippery hold on fundamentals of the law of evidence, from the myriad cases on the subject. I was recently heartened to read something written by Sir James Stephen in about 1886 in the Introduction to his Digest of the Law of Evidence1. Speaking of the difficulty in finding concise guidance to the law of evidence he said: No such work, so far as I know, exists; for all the existing books on the Law of Evidence are written on the usual model of English law-books, which, as a general rule, aim at being collections more or less complete of all the authorities upon a given subject to which a judge would listen in an argument in court. Such works often become, under the hands of successive editors, the repositories of an extraordinary amount of research, but they seem to me to have the effect of making the attainment by direct study of a real knowledge of the law, or of any branch of it as a whole, almost impossible. The enormous mass of detail and illustration which they contain, and the habit into which their writers naturally fall, of introducing into them everything which has any...
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...dangerous. You might be careful in obeying traffic laws, but you never know when someone else will not and be the cause of an accident that involves you. These are reasons why it is important to have auto insurance. Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: * Property coverage pays for damage to or theft of your car. * Liability coverage pays for your legal responsibility to others for bodily injury or property damage. * Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. Coverages Your auto policy may include six coverages. Each coverage is priced separately. 1. Bodily Injury Liability This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car...
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...STATUTORY CHECKLIST Sr. PARTICULARS REFERENCE FREQUENCY & DATE STATUS Factories Act 1948 / MFR 1963 1 Annual Returns Form 27 Rule (119) 1 Yearly Before 1st February 2 Certificate of stability Form 1 A Rule 3 A Every 5 Years And after any modification or changes in the plant. 3 Health register / Medical Check up Form 7 Rule 18 (7), 114 Half Yearly 4 Pressure vessels, PRV’s testing Form 13 Rule 65 External: Half Yearly Internal : Yearly Hydraulic: 4 Years Ultrasonic: 5 Lifts & Hoist Checking Form 11 Rule 62 Yearly 6 Lifting machines, ropes & Tackles inspection Form 13 Rule 65 Half yearly 7 Lime washing & painting Form 8 Rule 20&51 If painted otherwise than with washable water paint or varnished: To be repainted or revarnished in every 5 yrs. If washable paint is used: Washing in every 6 months & Repainting of 1 coat at 3 years. If clean impervious surface is there the cleaning shall be done in 14 months. 8 Annual Inspection & Compliance report --- After the visit of factory inspector compliance report of the inspection to be sent to DISH 9 [Permissible limits of exposure of chemical & toxic substances] Work area monitoring Sec. 41 F The permissible level of exposure of the certain chemicals shall be as mentioned in the schedule 2 MPCB 10 Environment statement Form V Yearly 11 Water CESS Form 1 5th of every month 12 Environment monitoring -- Quarterly Hazardous waste management & Handling Rules, 1989 ...
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