Insuring a Property: Site Pollution Liability

As the United States recovers from the economic crisis over the last few years, we are once again seeing growth in the acquisition and transfer of properties. The issues that arise from the sale or purchase of these properties at times can be a Pandora's Box. The options to either borrow money to finance the purchase of a property, or to use your own money to do so, does not change the driving need in today's marketplace to have environmental liability insurance in place to protect the investment.

There are many issues that must be addressed when thinking about Site Pollution coverage for these types of risks:

· What has the property previously been used for?
· What will the property be used for in the future?
· What policy limit of insurance will cover your contractual needs or make you feel safe in the event of a loss?
· Are you concerned with first party triggers or will third party be enough?
· Will you want pre-existing coverage, new conditions only, or both?

Key Points To Consider When Selecting Drivers For A Non Emergency Transportation Company

A common point of frustration I hear from owners of Non Emergency Transportation companies is that they put the safety and wellness of their clients in the hands of drivers for whom they have virtually no direct oversight when they are on the road. Oftentimes, owners have no idea that they have a bad driver working for them until something terrible happens, by which time it's too late.

Even good drivers can get into trouble if they don't have any industry experience. Consider the fact that drivers are required to move swiftly through congested areas, oftentimes with deadlines that, if missed, can result in fines.

Their passengers are medically fragile, and just one small fender-bender can be enough to cause significant trauma, or even death. Wheelchairs, are notoriously unstable, especially if they are not properly weighted, and significant injury can occur if they fall over.

For these reasons, many insurance carriers have established minimum eligibility criteria for drivers. These guidelines, although by no means fool proof, do help to eliminate some potentially costly drivers from your hiring pool. Here they are.