Recent Articles From EvanCarmichael.com http://www.evancarmichael.com/ http://www.evancarmichael.com/Retail/3795/Does-the-Building-Owner-Insure-My-Apartment.html http://www.evancarmichael.com/Retail/3795/Does-the-Building-Owner-Insure-My-Apartment.html Do I need Apartment Renters Insurance, Coop Insurance, and Condo Insurance? In my daily routine I communicate with dozens of people looking for insurance, or looking to protect themselves from loss or damage. Typical requests span from $5000 cars to restaurants, churches multi-million dollar buildings. When they are done explaining what they are looking to insure, how much they are looking to insure it for and what they what it insured against, my next question is always, “Who insures your home?” http://www.evancarmichael.com/Retail/3795/General-Contractors-Liability-Insurance-Certificates-of-Insurance-the-Misnomers.html http://www.evancarmichael.com/Retail/3795/General-Contractors-Liability-Insurance-Certificates-of-Insurance-the-Misnomers.html General Contractors Liability Insurance, Additional Insureds, Certificates of Insurance, the Misnomers. Regarding General Contractors Liability Insurance and General Liability Insurance Certificates, there is a grand misnomer running rampant through the construction industry in NY, NJ and MA. I only speak about these states because I am familiar with their laws as they apply to the insurance, construction industry and the labor law. Please check your federal (OSHA), state, city and local government for laws as they apply to the construction industry and the labor law. http://www.evancarmichael.com/Retail/3795/Employee-or-Independent-Contractor.html http://www.evancarmichael.com/Retail/3795/Employee-or-Independent-Contractor.html Most employers in our industry, whether the management company or the homeowners association directly, believe that substantial costs can be saved by their associations utilizing independent contractors in lieu of employees. http://www.evancarmichael.com/Retail/3795/Many-Churches-do-Not-Have-the-Proper-Insurance.html http://www.evancarmichael.com/Retail/3795/Many-Churches-do-Not-Have-the-Proper-Insurance.html Being a member of a Church that is improperly insured can lead to a catastrophic outcome if a lawsuit occurs. Concerns arise for Church Insurance, Religious Organization Insurance, Pastoral Liability and Institutional Insurance, regardless of sect. A lawsuit of any size or nature can cripple a religious organizations existence in exorbitant legal fees. http://www.evancarmichael.com/Retail/3795/6-Largest-Products-Liability-Insurance-Suits.html http://www.evancarmichael.com/Retail/3795/6-Largest-Products-Liability-Insurance-Suits.html Products Liability Claims Manufacturing, distributing, marketing and reselling products can often seem like a harmless venture until there is a Product Liability Suit. http://www.evancarmichael.com/Retail/3795/Top-5-Employment-Practice-Liability-Myths-EPLI.html http://www.evancarmichael.com/Retail/3795/Top-5-Employment-Practice-Liability-Myths-EPLI.html EPLI - Failing Economy Plus Layoffs Equals A Lethal Combination… A Company can be Financially Devastated when a Savvy Trial Lawyer Teams up with a Disgruntled Employee to File an Employment Practices Related Lawsuit. Being an entrepreneur means protecting your business from potential Employment Practice Liability lawsuits.