Protect Against the Accidental with Commercial Liability Insurance

You can compare commercial general liability insurance, a form of small business liability insurance, to third-party or liability insurance for your car. If you buy a car you have to buy a third-party insurance policy. The purpose of the policy is to pay for damages to other people or cars in case of an accident, not damages to you or your own car. It protects you from being legally liable to pay their costs out of pocket. Commercial general liability (CGL) insurance provides the same sort of protection for your business.

If you own even a small office or workroom and someone comes into it and then falls and injures himself, he could sue you for medical costs. Read more…

Pharmacy Mistakes May Be Fatal

By catching drug-interactions and dosage errors made by physicians and other prescribers, pharmacists save lives. But an editorial posted this week on PeoplesPharmacy.com explains that pharmacies are far from perfect.

In fact, pharmacists themselves are often guilty of critical errors, as we see in this excerpt from the story:

Pharmacists are highly trained health professionals. They can save lives if given the chance. When mistakes occur, though, the results can be tragic, as one reader reported:

“My ex-husband died from a pharmacy error. He was in relatively good health before the pharmacy dispensed an overdose of Coumadin.

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What you need to consider buying life insurance

Regarding the purchase of life insurance, term life insurance is almost almost always the best option. When it comes to evolve the real world of mysteries associated with life insurance, it is certainly the least complex option is also generally the least expensive option. It may be preferable to you based on your personal situation, while a bit more complicated than the life term with vanilla. Read more…

Should Golf Carts Include Seat Belts?

Seat belts for golf carts–you’ve got to be kidding, right? Nope. Golf-cart fatalities aren’t an everyday occurrence, but they do occur more often than you might think.

Last month, a woman in South Carolina was killed following a golf cart accident, raising the question: Should seat belts be mandatory on golf carts?

In this case, though, seat belts weren’t the primary issue–alcohol was involved. Here’s a snippet from the Insurance Journal:

“Anita Kay Bergeson, 37, of Knoxville, Tenn., was riding with her boyfriend in his parents’ golf cart in Sun City at about 11 p.m. June 4. She had a beer in one hand and her feet propped on the dash, according to the Sheriff’s Office report.

Read more…