Freshwater is in more demand as population and wealth increase. Global warming will bring more precipitation, but precipitation in forms that current technology may not be able to capture as freshwater efficiently. As the climate warms, more water will fall as rain rather than as snow. Reservoirs should fill earlier as the lesser amount of…
If delivering services to minors, seniors, or persons with disabilities, general liability insurance typically should not exclude coverage for abuse and molestation. Abuse and molestation coverage provides the Contractor with a means of protecting its financial assets in the event of an abuse and molestation allegation. Abuse and molestation coverage targets specific acts and usually…
For benchmarking of vehicle accident rates, the standard Total Vehicle Crash Rate = (Number of Total Vehicle Crashes x 1,000,000)/Business Use Miles Driven over time (ANSI D15.1 method) is appropriate. However, in densely populated urban areas, I would argue that factors such as traffic volume, roadside development, and signalization decrease its value as a metric.
Commutations are, basically, early terminations of insurance (actually, commutations are commonly part of reinsurance treaties; I’d guess that they’re pretty rare in insurance) in return for a mutually agreed upon level of consideration. The parties to the commutation agreement intend to terminate the agreement and to “unwind” the insurance transaction at a mutually agreed “as…
Juvenile tattoo removal programs are potentially useful in helping at-risk youth obtain access to opportunities that gang symbols or other body ink might impair. The California program (see http://www.cdcr.ca.gov/News/tattooremoval.html) uses pro bono doctors (not a staff person) for the actual removal process. Surprisingly, in many jurisdictions, there are no licenses or certifications required to operate…