2014 var en opptatt år for forsikring utøvere, lovgivere og jurister. Året tok en av deførste rettsavgjørelser angående tilgjengeligheten av forsikring for tap av data brudd.Det kom også med avklaring om når en assurandør kan (og ikke) avhengige politikkunntak etter urettmessig nektet å gi et forsvar. Domstolene også lagt bredden tilforekomster der forsikringsselskaper må holde administrative svaret omkostningene.
2014 også var ikke uten sin rettmessige del av lovgivende og regulatoriske utviklingen,slik som flom forsikring Reform Act av 2014, som behandlet de flom forsikringkostnadsøkninger som følge av Biggert-vann loven. Likeledes, året så introduksjon ogpassasje av lovgivning og regulering som krever minimum mengder forsikring forridesharing selskaper som Uber og Lyft. Hver av disse, og mer, er omtalt i den årligeoppsummering nedenfor.
Dekning For brudd er ingen spill
New York state dommer utstedt en av de første rettsavgjørelser angående tilgjengeligheten av forsikring for tap på grunn av et brudd. Zürich er Ins. co v. SonyCorp av er, nr. 651982/2011 (ny Sup. CT. 21 februar 2014). I Sony Corp fant prøvedomstolen at to forsikringsselskaper ingen hadde plikt til å forsvare Sony i tilfeller som følge av en 2011 cyber-angrep på Sonys nettverksom kobler brukere spille videospill. Fra en forsikring ståsted, var kritiske spørsmålet om krav rettet motSony etter bruddet involvert "muntlige eller skriftlige publikasjonen i noen slagsmateriale som bryter en persons rett til privatliv,"som kreves av policyen. Retten besluttet at dettespråket gjorde ikke gi dekning for Sony fordi den "muntlige eller skriftlige publikasjon... ble begått avhackere" og ikke av Sony. Bunnlinjen for retten var sine konklusjoner at policyennødvendig forsikringstaker "begå eller begå act" og at policyen "kan ikke utvides med tredjepartshandlinger." Sonys appell av denne beslutningen forblir ventende i New Yorkmellomliggende ankedomstolen.
New Yorks Høyesterett stammer fra sin tidligere avgjørelse i K2
New York lagmannsrett også er blant domstolene å gjøre viktige avgjørelser i 2014. IK2 Investment Group LLC v. amerikansk garanti & ansvar forsikring co, 6 N.E.3d 1117(ny 2014) (K2 investering II), avgjort New York's høyesterett at assurandøren kanhåndheve policyen utelukkelser å unnslippe ansvar selv etter at forsikringsgiveren harpolicyen ved å unnlate å gi et forsvar. Dermed tok domstolen det sjeldne skrittetvacating og reversere sin egen tidligere beslutning, hvor retten nådde motsattekonklusjon. 993 N.E.2d 1249 (ny 2013) (K2 investering jeg) (holder at "når et ansvarassurandøren har brutt sin plikt til å forsvare sin forsikret, selskapet ikke kan senerestole på politikk utelukkelser å unnslippe sin plikt til å erstatte forsikret for en dommot ham"). I K2 investering II, retten besluttet at sin tidligere beslutning "mislykkes [ed] å ta hensyn til en kontrollerende presedens." Retten nådde denne konklusjonenved erkjenner at sin posisjon i K2 investering jeg var uforenlig med sin tidligereeierandel i Servidone Constr. Corp v. sek Ins. co i Hartford, 477 N.E.2d 441 (ny 1985).
Følgelig fulgte overfor overruling Servidone eller etter det, og har funnet ingenbegrunnelse under loven i New York for overruling Servidone, retten Servidoneregelen i K2 investering II. Det har derfor konkludert med at selskapet i så fall kunnestole på politikk utelukkelser å unnslippe sin plikt til å sikre selv om selskapet haddebrutt sin plikt til å forsvare.
Dyman and Associates Insurance Group Insurance Products
New business owners may not know where to begin when looking for business insurance coverage for their startup. While you might have an idea of the types of policies available, sorting through the various providers, quotes and fine print can be an overwhelming process.
Small business owners shared the characteristics they think are important in an insurance plan, as well as their tips for getting quotes and working with agents.
Know what you need
There are many different types of business insurance, so before you shop around for a plan, it's important to consider your specific needs. A general liability or business owner's policy is good for umbrella coverage, but depending on the type of business you own, there may be other insurance policies that better protect your business. Jeff Kear, owner of event-management software Planning Pod, said that work-from-home business owners should consider separate home-based business insurance.
"Don't assume that your homeowner's policy will cover your business assets, because many homeowners' policies do not cover most home-based business losses," Kear told Business News Daily. "They may not cover all assets, and probably won't cover any kind of business or professional liability."
Kear also recommended obtaining business-interruption insurance to help keep your business afloat in the event of natural disasters, data loss or theft.
Choosing an insurance provider is like any other major decision: You should always consider all options before making a final choice. Comparing quotes from multiple providers can help you get the most comprehensive coverage for the best price.
"Get at least three quotes from insurance providers, and do a comparison based on the deductible, the premium, what damages are and are not covered, and the quality of customer service," said Andrew Schrage, founder and CEO of financial advice site Money Crashers.
Find a good agent or broker
The insurance agent or broker you work with is the person responsible for helping you protect your business. As with the plan itself, consider your options for agencies, and don't necessarily choose the one that's closest to you.
"Look for an agent who specializes in business insurance and can be a long-term partner," said Mike Wolfe, co-founder and CEO of marketing agency WAM Enterprises. "It's important to establish a relationship with your agent. Research online, and ask other business owners who they work with. We have several agencies in our town but decided to do business with an agent who is farther away because we developed a relationship and trust."
An insurance broker, rather than an agent who works for a specific provider, may be a good choice for business owners who want to find coverage from different providers to suit all of their needs, said Kear.
Always review your policy
Most insurance policies need to be renewed annually. Before you sign on for another year of coverage, it's wise to look over the fine print of your policy and account for any changes, either in your business or in the provider's terms of service.
"Coverage and policies change all the time, so review your business with your agent every year," said Paige Dawson, founder and president of marketing firm MPD Ventures. "Your business may have changed during a coverage year, and [your policy] may no longer be adequate. Adding or dropping employees, services, products, physical locations, etc. can have an impact on your policy."
If your business does go through a major change or transition in the middle of coverage, be sure to discuss it with your insurance agent as soon as possible, and have him or her walk you through your options. Depending on the change, you may even be able to save money on your policy.
Do you own a business? Is it running and doing successfully? Wanting a company that works for your business as diligent as you are? No need to worry and choose Dyman and Associates Insurance. We will assure you that you have chosen leading Business Insurance. We work hard for every costumer and our policies are designed for every customer’s ideas in mind.
Doubtful or every car insurance and wasn’t sure where to turn to you or maybe not sure what company wants you? No need to worry and chooses Dyman and Associates Insurance Auto. We dedicate ourselves to in policies that are tailored in the sense of your liking.
Are you unsure of who to turn to for homeowners insurance? Not sure what company wants you? No need to worry and choose Dyman and Associates Insurance Homeowners. We concentrate in policies that are base from what you desire.
Motor Home Insurance
Are you still doing the hassle of drive your motor home down to the local coffee shop and back? You need not to do it again, why not just you insure your rig with a policy meant for an everyday automobile? Dyman and Associates Insurance present to you specialized Motor Home Insurance with polices tailored in the sense of your liking.
You are most likely not driving your fifth-wheel to the grocery store and back? Then there is no sense of insuring your rig with a policy meant for an everyday automobile, right? Dyman and Associates Insurance offer specialized Fifth-Wheel Insurance that is base from what you desire.
Travel Trailer Insurance
We are quite that you do not tow your travel trailer along with you to the grocery store and back. Then it isn’t wise to insure your rig with a policy meant for an everyday automobile. Dyman and Associates Insurance concentrate in Travel Trailer Insurance with policies that are base from what you desire.
Luxury Motor Coach Insurance
We bet you do not drive your luxury motor coach in rush hour traffic to work every day. And it is only proper that your coach should be insured with an insurance company full of luxury motor coach experts.
Dyman and Associates Insurance offers are concentrated with Luxury Motor Coach Insurance with polices tailored in the sense of your liking.
Mobile Home Insurance
Who doesn’t like to be served by the number 1? We assure you that Dyman and Associates Insurance is the #1 market leader for Mobile Home Insurance in the nation.
Vacant Home Insurance
Only people not in the right mind would want to throw their money so where is the sense in getting insurance to the company that asks you to insure a home for longer than needed? Choose Dyman and Associates Insurance Vacant Home Insurance where we offer pro-rated cancellation to save you money.
Landlord and Rental Home Insurance
You are probably wouldn’t want to try to fit a square peg in a round hole. At Dyman and Associates Insurance, we don't fit square pegs in round holes; we listen to your requests and your desires. You can customize your package to fit your needs using our Landlord and Rental Program.
Seasonal Home Insurance
Covering your vacation home with a policy that isn't right is a bad idea. Then picking a company that doesn't specialize in Seasonal Home Insurance is a bad idea as well. Dyman and Associates Insurance focuses in Seasonal Home Insurance and offers flexible coverage’s.
Insure your bike with a company that knows insurance or a company that knows Motorcycles Insurance and Dyman and Associates Insurance knows insurance, we know our bikes, we sponsor racers and we employ motorcycle enthusiasts.
Off-Road Vehicle Insurance
We sure do hope you do not jump on your dirt bike when you wake up, drive it down the stairs to your kitchen and grab some coffee. Do not insure your Off-Road Vehicle (ORV) with a policy meant for your home. Dyman and Associates Insurance offers specialized ORV Insurance with polices that are customized with you in mind.
Driving your scooter around your home, taking the turns in the hall slowly and parking it in front of the television like a drive-in movie is sure to be a bad idea after all and it would be a bad idea as well if you insure it with a policy meant for your home. Dyman and Associates Insurance offers specialized Scooter Insurance with polices that are customized with you in mind.
Golf Cart Insurance
No you’re not driving your golf cart into your laundry room, pack up all the clean clothes, and drive it back to your bedroom to fold, we are sure of that. So where is the sense of insuring it with a policy meant for your home? Dyman and Associates Insurance offers specialized Golf Cart Insurance with polices that are customized with you in mind.
Neighborhood Electric Vehicle Insurance
Did you ever wonder what the right insurance is for your Neighborhood Electronic Vehicle? Don't let your adventure be cut short because you didn't get the right coverage for your ride. That's why foremost offers specialized NEV Insurance.
You shouldn’t insure your snowmobile with a policy meant for a home. Dyman and Associates Insurance offers specialized Snowmobile Insurance with polices that are customized with you in mind.
Personal Watercraft Insurance
Dyman and Associates Insurance offers specialized Personal Watercraft Insurance so you won’t mess with your adventure be cut short because you didn't get the right coverage for your summer fun.
Do not insure your boat with a policy meant for a home because Dyman and Associates Insurance offer specialized Boat Insurance with polices that are customized with you in mind.
Collectible Auto Insurance
Do not insure your Collectible Auto with a policy meant for a home because Dyman and Associates Insurance offer specialized boat insurance with polices that are customized with you in mind.
Don't think it's going to happen to you, we cannot be sure. We hope not but Flood Insurance is a smart idea no matter where you live and Dyman and Associates Insurance offers specialized Flood Insurance
My Great Home
Making it a comfortable surrounding that reflects your personality it is one of the joys of owning a home is making it your own. May it be choosing the right window actions or painting your walls, we are loaded of ideas to help you begin. We also present to you tips tin helping you put in order your home and make the most out of the space you have.
If you do have a large yard that extends around your home or a cozy one in the back, either of those, you can make the most out of these ideas for your outdoor enjoyment. A green thumb is not a requirement following our easy gardening and landscaping tips.
Upholding and mending a manufactured home vary very much from site-built homes for the reason that each type is constructed in a different way. Our widespread fix-it guide, just for manufactured home owners, goes into great detail on the many repair and preventive maintenance tasks you typically encounter.
DIY, very much trendy nowadays, especially at your homes and you can do it a little or no cost. But you can always turn to us to safeguard your family and property against common hazards.
The Dyman and Associates Insurance Claim Department is included as an award-winning team of insurance in the world. Rest assured that professionals will be there when you need at any cost at any time you needed them. It is as good as saying you gave us money and you bought assurance in life. We are sure you'll be happy to know that we'll be there when you need to file a claim, and we'll be there to answer your questions and begin the process of helping you restore your life to order.
What Makes Our Claim Services Unique?