Non Profit Volunteering

Unfortunately the number of lawsuits against non-profit workers, board members and volunteers are on the increase. Before you volunteer or join a non-profit board please confirm liability insurance protection has been purchased and directors and officers coverage is in place.

Diminished Value:

Please see the list of items a rental car company can charge you for damage to the rental car. Some of these expenses may not be covered by your insurance. This is why I always take the rental car companies insurance.

Damages to the car: (covered by your insurance)
Appraisal fee: (covered by your insurance)
Towing and Storage: (limited coverage)
Administration Fee: (undefined)
Loss of Use: (if you have it)
Diminished Value: (undefined and can be substantial)

hiring the right contractor

As of October 1, 2001 all California Contractors are legally required to disclose to homeowners, in writing, whether or not they carry General Liability Insurance. If the contractor does carry General Liability Coverage he is then required to provide the name and phone number of his insurance company to the homeowner. Any time you, the contractor, do a job for someone there is a chance that you could be sued, whether you are legally liable or not. A General Liability Policy typically obligates the insurance company to defend the insured against all allegations that, if true, would be covered by the policy. The policy also obligates the insurance company to pay damages, up to the policy limit, for which the insured is legally liable