ACE Risk Management has launched the new web-based risk management portal, Accelerator, for its clients.
ACE Risk Management vice president Gary Kramer said against a backdrop of complex priorities, risk managers are looking for ways to achieve their goals using technologies and operational improvements.
Not everyone needs second to die life insurance, but it can be very beneficial in certain situations. Unlike a traditional term or whole life insurance policy, which pays benefits to a named beneficiary after the death of an insured individual, second to die life insurance actually covers two people. Benefits are paid out only after the deaths of both insured parties. This type of insurance is typically used for:
Before you invest in dog insurance or even teach your puppy to sit, youll need to train your dog to let you know when he needs to go outside. If your dog cant communicate what he needs, he wont be able to succeed. One of my favorite ways to teach dogs to let their owners know they need to go outside, is by teaching them to ring a bell. While this sounds like it might be hard to do, follow the steps below and youll have a house trained, bell-ringing dog in no time.
The first and most obvious thing you will need is a bell.
Relatives of workers who died of an asbestos-related cancer have won a compensation fight at the supreme court.
Judges ruled that insurance liability was “triggered” when employees were exposed to asbestos dust – not when symptoms of mesothelioma emerged.
Legal experts say the ruling by the UK’s highest court means that employers’ insurers will have to pay compensation claims.
Relatives of victims want to make claims on policies from the late 1940s to the late 1990s.
Families started a legal fight for compensation more than five years ago and lawyers say the supreme court ruling could affect thousands of claims.
Relatives won the first round of their battle in 2008, when the high court said firms’ insurers at the time workers inhaled fibres were liable.
But two years later the court of appeal said in some cases liability was triggered when symptoms developed – sometimes decades after exposure.
Lawyers said the appeal court ruling had left victims’ families facing “confusion and uncertainty”.
A panel of five supreme court justices had heard argument about a group of lead cases at a hearing in London in December and delivered judgment on Tuesday.
The supreme court ruled that the disease could be said to have been “sustained” by an employee in the period when it was caused or initiated, even though it only developed or manifested itself later.
Lord Clarke said: “The negligent exposure of an employee to asbestos during the policy (insurance) period has a sufficient causal link with subsequently arising mesothelioma to trigger the insurer’s obligation.”
Britain and Ireland’s largest trade union, Unite, welcomed Wednesday’s “landmark” ruling, which it said will affect “many of the 2,500 people who are diagnosed with mesothelioma each year”.
It said it had appealed to the supreme court after insurance companies were partly successful in the earlier appeal to the court of appeal.
Unite’s challenge was on behalf of the family of Charles O’Farrell, a retired member who died of mesothelioma in 2003.
Commenting on the supreme court’s decision, the Unite general secretary, Len McCluskey, said: “This is a landmark ruling which will affect thousands of victims of asbestos.
“It is a disgrace that insurance companies went to such lengths to shirk their responsibilities. For