Understanding Commercial General Liability Insurance

Commercial general liability exists to protect business owners. Many business owners are familiar with various types of insurance for their business and yet still have some confusion about what exactly commercial general liability insurance covers and why it is necessary. Commercial general liability is one of the best types of insurance for a small business. If you are a new business owner and are in the process of starting your business from the ground floor up, you will benefit from researching insurance companies to check out commercial general liability insurance rates and coverage.

When it comes to insurance for businesses, commercial general liability insurance is the umbrella insurance which covers many different aspects of your company. This type of insurance will cover personal injury and property damage, bodily damage and harm, and advertising injury. While this may seem confusing if you are new to business insurance policies, it can benefit you significantly to learn more about it and to invest in this type of insurance for your small business.

In addition to the coverage mentioned above, commercial general liability also covers you for defense costs if you are sued and allows you to continue operating your business while you are in the midst of a lawsuit or civil claim. Advertising injury can be an iffy matter and it is always best to be protected through commercial liability insurance simply because you never know when a consumer will file a lawsuit or make a complaint which could harm your business ventures until the matter is resolved. Advertising injury includes slander and defamation, as well as wrongful advertising and copyright infringements. Mistakes happen commonly and sometimes are simply just that: mistakes. In business, mistakes happen on a daily basis because there are so many factors involved with a business. These mistakes can result from advertising, from employee practices, and accidents which occur through negligence. Negligence can happen through am employee having a bad day, not paying attention, or simply making a common error. Businesses must always be on guard and be protected through general liability insurance so that they can continue to remain in business in case a wrongful or negligent lawsuit occurs as a result of an accident or error made on the part of someone working for the business.

Insuring your small business is one of the most important aspects you need to see through as you begin the journey to becoming a business owner. Planning for the expense of monthly premiums and deductibles is a must in order to protect and secure the future for your business. Though insurance may seem like a hassling expense, you will be glad you have it in case something undesirable happens.

Insurance exists solely for the reason that if something unexpected happens, a person, family, property, or business is protected and can continue to thrive. Commercial general liability is the most common and most popular form of insurance for businesses for the simple reason that it includes a wide range of coverage and protection.

About the Author

Casey Trillbar is the editor of the YourOnlineInsuranceAgent.com website which offers information, resources and online insurance quotes for people looking for all types of insurance. For more information visit: http://youronlineinsuranceagent.com

Article source: http://goarticles.com/article/Understanding-Commercial-General-Liability-Insurance/5542308/

Source: http://www.articles-digest.com/understanding-commercial-general-liability-insurance/

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Don't screen everybody for HIV in the ER: study (Reuters)

NEW YORK (Reuters Health) ? More than 1,100 people would have to be offered HIV tests in the emergency room to find just one new infection with the potentially deadly virus, researchers from France said Monday.

Their conclusion -- that universal HIV screening in the ER is not a practical option -- contradicts current recommendations from the U.S. Centers for Disease Control and Prevention.

"Unexpectedly, nontargeted screening identified only a few new diagnoses, often already at late stages, and most newly diagnosed patients belonged to a high-risk group and had been tested previously," Dr. Kayigan Wilson d'Almeida and colleagues from the Emergency Department HIV-Screening Group write in the Archives of Internal Medicine.

They assigned 29 Paris emergency departments to offer HIV blood tests over six weeks to patients ages 18 to 64. Nearly 21,000 people were offered the test, and more than 12,700 took it.

Only 18 new HIV cases, or 14 per 10,000 tests, surfaced over the study. And seven of those were gay men, who are already considered high-risk.

The U.S. Preventive Services Task Force, a federally funded expert panel, makes no recommendations about HIV screening of the general public, but recommends testing high-risk groups such as prostitutes, drug addicts and homosexual men.

According to an editorial published along with the new findings, there are likely about 240,000 undiagnosed cases of HIV in the U.S.

But to Dr. Jason Haukoos at the Denver Health Medical Center who wrote the editorial, screening all patients at ERs is not the best way to find those cases.

In a study from last year, he found only a quarter of more than 28,000 patients at his hospital accepted the test, resulting in just 10 new HIV diagnoses.

"These new studies basically say you need to test thousands to identify a handful of patients," Haukoos told Reuters Health. "The question is, is there a way to use scarce resources to target patients at a higher risk?"

According to Haukoos, the test used in the new study costs about $10, and limiting it to patients at risk would be the best idea. According to unpublished data from his group, he said, it even appears that doing so would identify more HIV cases.

SOURCE: http://bit.ly/rAzSDK Archives of Internal Medicine, October 24, 2011.

Source: http://us.rd.yahoo.com/dailynews/rss/diseases/*http%3A//news.yahoo.com/s/nm/20111024/hl_nm/us_screen_hiv

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How Many Jobs Do Small Businesses Create?

How many jobs do small businesses really create? It has been an important question in the small business community for some time now ever since Washington started touting small businesses as the engine of economic recovery. Critics hit back with some conflicting figures, but it all comes down to the way we ask the question. See more discussion of this and other important small business news and tips in our small business roundup below:

News & Trends

How many jobs do small businesses create? Depends what ?small? means. The title tells the whole story. If you want to say that small businesses create most new jobs, you use the number 500 employees. If you listen to the number the European Union uses, less than 50 employees constitutes a small business. Bloomberg BusinessWeek

Small businesses lead the way in green technology innovation. SBA reports that small businesses lead the way in the use of green technology. One of the methods used in determining this is through the amount of patent activity and how much of this activity is in the green technology field. These same companies that are working in the green technology field are found to be more profitable overall. PR Newswire

Better Business

Make things happen. You can never sit back, do nothing and expect to get ahead. The only way to be successful is to make things happen. Even a good education doesn?t guarantee success. This post looks at the success of one entrepreneur who was not afraid to take a risk. You?re the Boss

?Talent magnet? reveals the truth about the new job market. In the new job market, there are new guidelines and there are new techniques to be used in the hiring process. in a small business you may have to be satisfied with 90% of what you want and trust the other 10% will fit in. Specialization is the key because more and more small businesses are looking for people who will have an immediate impact. BusinessNewsDaily

Policy & Strategy

Generous small business tax deduction is shrinking. The deduction for equipment used by small businesses is being lowered from $500,000 to $125,000 next year. This deduction can be taken up front rather than being depreciated. Further reductions in these deductions are scheduled for future years. The other deduction that is being curtailed is the bonus depreciation which allows employers to deduct more than the amount normally allowed. This is being cut in half next year. Boston Globe

Five lame excuses for a company strategy. What exactly is company strategy? The simplest answer quoted is ?you know what you are doing and why.? Strategy is making choices about what you will do and what you will not do. In small businesses many heads either just have something on a piece of paper so they can say they have one or they do not use what they do have. Forbes

Tips & Tricks

Why does your small business need social media? You?ve heard the buzz and, of course, we?ve reported on it here on Small Business Trends but the question continues to be asked by many. Is social media really worth the time and effort that small businesses must put into it to create a success? Yes, say some advocates. Here?s more on how top get started. CBC News

Not really a sales person at heart? It?s common problem for many entrepreneurs, especially when starting out. Fortunately sales doesn?t have to be rocket science. Here are some pretty simple approaches for those of us non-salespeople who need to learn the ropes for our own business in a hurry. Buzz Small Business Magazine

Marketing

Getting back into the conversation. If you?re not talking to your customers, your business could be in trouble. This might be common sense to most entrepreneurs and small business leaders, but did you know that it is also important to have the right conversation at the right time? Here are some ideas to consider. Partners in Excellence

Twitter tricks to get your site noticed. It?s no secret that Twitter has become a major small business tool. But are you using this incredible microblogging platform to its full effect? Twitter can be a huge help when marketing your small business online. But you must know how to make it work for you.Birdie?s Typing Services

Source: http://smallbiztrends.com/2011/10/how-many-jobs-do-small-businesses-create.html

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Obama Jobs Bill Fails Senate Vote... Again (ContributorNetwork)

COMMENTARY | The U.S. Senate continued on Thursday the smack down of President Barack Obama's jobs bill for the second time this week. This time, a few Democrats broke ranks and joined in opposing the revised measure.

Republicans successfully defeated an attempt on Tuesday to spend $30 to prop up the jobs of - what Obama claims to be - 400,000 teachers. That's an insane amount of very targeted government spending just to protect such a small number of jobs in a time when vast industries are suffering the effects of a recessed economy.

Associated Press reported that Senate on Thursday took up a revised measure that would add an additional $5 billion to that plan for firefighters and police salaries. This didn't sit well with members either. If the previous bill wasn't going to work, adding more money that would have to be borrowed wasn't going to work either. But it shows how desperate Obama is for any kind of victory with this bill - however meager it may be.

The defections of senators Ben Nelson, D-Neb., Mark Pryor, D-Ark., and independent Joe Lieberman of Connecticut sunk that measure on a split 50-50 vote -- substantially short of the 60 votes needed to advance the measure. Clearly, Obama is struggling to hold on to his own party supporters as the jobs bill continues to morph into something acceptable to the Senate.

This aspect of the jobs bill just isn't going to pass - and rightfully so. The country doesn't need highly targeted stimulus plans. It needs a comprehensive, broad-based jobs bill that promotes hiring across many sectors. Given the immediate opposition to Obama's bill from the moment he announced it, it would make more sense for congressional leaders to advance portions of the bill that actually have bipartisan support. Instead, they waste their time and taxpayer's money by promoting dead-end issues.

The real solution to creating jobs rests with small business. A $2,000 tax credit for hiring new employees promotes job growth and is more easily introduced into the market. More importantly, it doesn't cost the Treasury any money up front. This is a solution that - if it were to fail - wouldn't increase the national debt at all. If it works -- all the better.

Congress needs to think outside the box and stop writing checks to solve every national problem. If they need help, ask the citizens of Louisa County, Virginia. They are doing just that to recover from the August earthquake.

Source: http://us.rd.yahoo.com/dailynews/rss/democrats/*http%3A//news.yahoo.com/s/ac/20111021/us_ac/10256913_obama_jobs_bill_fails_senate_vote_again

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UN says North Korea needs food aid, not politics (AP)

PYONGYANG, North Korea ? Wealthier countries need to put aside politics to help millions of North Koreans going hungry from food shortages, the U.N.'s top relief official said, renewing an appeal for assistance that has largely gone unmet.

Speaking at the end of a five-day visit to North Korea, Valerie Amos, a U.N. undersecretary-general, said Friday that 6 million North Koreans, particularly children, mothers and pregnant women, need help. The figures, she said, are borne out by UN data and by what she learned from visits to farms, hospitals and orphanages, as well as from officials.

People's diets, she said, consist of rice, corn, cabbage, little else and no protein or nutrient rich foods.

While she acknowledged concerns about whether the authoritarian government diverts food aid or underfunds agriculture, Amos urged donor countries to put the needs of North Koreans ahead of other considerations.

"This is about helping the people who are most in need. It's not about saying that this country has made a choice about spending its resources in one way rather than another. We don't make those judgments in other countries, on humanitarian grounds. There's no reason to begin to do it in" North Korea, Amos told The Associated Press before leaving Pyongyang.

Hers is the latest appeal to meet a U.N. request in April for $218 million in emergency aid. Only a third has been met as key donors such as the United States largely shun giving over North Korea's provocative behavior and persisting questions about whether North Korea is withholding food from its public.

Washington approved $900,000 in emergency flood aid in August but has held back on approving food aid in part because Pyongyang is funding a nuclear program, reneging on nuclear disarmament pledges. Key U.S. ally South Korea, which earlier in the last decade provided large amounts of food aid, stopped giving after its conservative president, Lee Myung-back, took office in 2008.

U.N. agencies and humanitarian groups continue to have trouble monitoring how their aid is distributed ? issues Amos said she raised with North Korean officials. She said she also discussed the "chronic poverty and underdevelopment" she saw.

Still, she said, donors should not doubt the evident need for food aid. "Donors need to trust the information that they're being given. They need to trust what they're being told about the situation here," Amos said.

Amos will apply her findings to a revised need assessment to be presented in two or three weeks.

At a news conference later Friday in Beijing, she said that, despite calamitous flooding, this year's harvest seemed on track to be as good or better than last year's, but that still wouldn't be enough to feed the country's 24 million people.

Amos said she'd been given rare access to a government public distribution center, where rations that have fallen from 21 ounces (600 grams) a day to 7 ounces (200 grams) a day per person are handed out, as well as to a private market where more nutritious food is available at prices far beyond the means of most North Koreans.

Amos said she made clear to North Korean officials that they need to provide better data to assess needs, but also that the North must take the lead in humanitarian work and fix the systemic problems underlying chronic food shortages, such as a lack of mechanization in agriculture.

"The answer does not rest in the international community coming in as a result of an appeal and supporting the public distribution system through what we are able to do, particularly for those who are most vulnerable," Amos said.

"The government has to take responsibility," she said.

Source: http://us.rd.yahoo.com/dailynews/rss/nkorea/*http%3A//news.yahoo.com/s/ap/20111022/ap_on_re_as/as_nkorea_hunger

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Seattle Worries as Word of Infectious Salmon Anemia Spreads

[unable to retrieve full-text content]As word spread that infectious salmon anemia had been found in prized wild Pacific salmon, there remained much uncertainty about what its potential impact could be.

Source: http://feeds.nytimes.com/click.phdo?i=4f31026567b9b186aad2e664b7f092e5

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Just Show Me: How to use the Notification Center on your iPhone or iPad (Yahoo! News)

Welcome to?Just Show Me on Tecca TV, where we show you tips and tricks for getting the most out of the?gadgets in your life. In today's episode we'll show you how to use the Notification Center on your iPhone or iPad once you've upgraded to?iOS 5.

The Notification Center allows you to quickly see all the alerts from your apps in one place, right at the top of the screen or in a popup notification. You'll want to be sure that the things appearing there are just what you want, and it's easy to configure when you follow our step by step video.

For more episodes of Just Show Me, subscribe to Tecca TV's You Tube channel and check out all our Just Show Me episodes. If you have any topics you'd like to see us cover, just drop us a line in the comments.

This article originally appeared on Tecca

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Source: http://us.rd.yahoo.com/dailynews/rss/techblog/*http%3A//news.yahoo.com/s/yblog_technews/20111019/tc_yblog_technews/just-show-me-how-to-use-the-notification-center-on-your-iphone-or-ipad

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GOP primary contest is getting nasty, personal

FILE - In this Oct. 18, 2011 file photo, Republican presidential candidates, former Massachusetts Gov. Mitt Romney, left, and Texas Gov. Rick Perry, speak during a Republican presidential debate in Las Vegas. The image of Romney laying a hand on Perry's shoulder may well be remembered long after people have forgotten that the two were squabbling about. Body language speaks volumes in political debates. (AP Photo/Chris Carlson, File)

FILE - In this Oct. 18, 2011 file photo, Republican presidential candidates, former Massachusetts Gov. Mitt Romney, left, and Texas Gov. Rick Perry, speak during a Republican presidential debate in Las Vegas. The image of Romney laying a hand on Perry's shoulder may well be remembered long after people have forgotten that the two were squabbling about. Body language speaks volumes in political debates. (AP Photo/Chris Carlson, File)

LAS VEGAS (AP) ? Talk about nasty.

The bitter, face-to-face sniping at this week's Republican debate was just a prelude to the coming weeks as Mitt Romney's rivals seek to tear him down before the leadoff Iowa caucuses.

Increasingly on the defensive, Romney is being hammered on old issues ? like an accusation of hiring illegal immigrants to work on his yard ? and is creating new openings for everyone from Rick Perry to President Barack Obama.

"You won't hear a lot of shape-shifting nuance from me," Perry told Republicans gathered in Las Vegas on Wednesday, hitting Romney anew the day after the two sparred onstage during a debate. "I'm going to give the American people a huge, big old helping of unbridled truth."

The target was Romney, who over the years has reversed his positions on a series of issues that conservatives champion. And the sharper, more personal tone seems sure to shape the campaign in the next month as Perry looks to undercut the former Massachusetts governor's standing at the head of the pack.

Obama's team, too, wasted little time in going after Romney in personal terms.

"The core principle driving Mitt Romney? Getting elected," Obama campaign manager Jim Messina told reporters in a conference call.

Appearing unruffled at the attacks, Romney kept his focus on Obama and the economy on Wednesday, saying: "He should be less concerned about keeping his own job and spend more time helping the millions who are unemployed."

But more criticism against Romney is certain to come from fellow Republicans as the race for the GOP nomination enters a new phase and the 2012 general election inches closer.

For now, Romney tops state surveys and national polls, including the latest Associated Press-GfK survey, in the GOP campaign. Perry's and Romney's other rivals have mere weeks to change that dynamic before the Iowa caucuses on Jan. 3.

After five debates since Labor Day, the candidates won't meet again in that setting until mid-November. So they'll be mixing it up mostly from afar ? on the campaign trail, on the Internet and, soon, in television advertising by the candidates themselves as well as by Super PACs that are working on their behalf and can spend as much money as they raise.

The candidates will cross paths at a dinner in Iowa this weekend where they will try to court cultural conservatives who haven't yet rallied behind a single contender. It's a prime setting for candidates like Perry, Minnesota Rep. Michele Bachmann, businessman Herman Cain and others looking to emerge as the alternative to Romney. Iowa conservatives have long viewed Romney skeptically for his reversals on abortion rights and gay rights, and they have viewed his Mormon faith warily.

Perry also will give an economic speech on Tuesday in South Carolina. Romney contends his business background makes him the strongest Republican in the field able to take on Obama on the economy, and Perry needs to counter that. The Texan will point to his state's job growth during his tenure as governor, and, in a bid to win over fiscal conservatives, he plans to call for tax changes that would apply the same rate to all citizens, regardless of income level.

Previewing the proposal, Perry said Wednesday that jumpstarting the economy "starts with scrapping the 3 million words of the current tax code and starting over with something much simpler: a flat tax. I want to make the tax code so simple that even Timothy Geithner can file his taxes on time." It was a reference to Obama's Treasury secretary.

Behind the scenes, the candidates with the most money ? Perry and Romney ? and their allied groups are gearing up for the inevitable TV ad war. Each campaign is sitting on roughly $15 million and counting, and there are less than 75 days before the Iowa caucuses.

There's no doubt that the personal attacks that played out on stage Tuesday ? and that had been simmering behind the scenes for weeks between the Romney and Perry camps ? will now continue out in the open.

Romney, for one, wasted no time. He told a South Dakota business group that the nation's economic challenges require a tested leader, while he released an Internet campaign video questioned Perry's readiness to be president. The video knots together clips from recent debates where Perry jumbled his words and had trouble making his point.

And Herman Cain got in on it Wednesday, too, offering a full-throated defense of his 9-9-9 tax plan a day after his opponents repeatedly attacked the proposal during the debate. Their attacks and insistence that his plan couldn't pass Congress, he said, show the "difference between a politician and a problem solver."

As GOP strategist Alex Castellanos said in a Twitter message after the most acrimonious debate of the year: "All the GOP candidates have lost their virginity now. Everybody attacks everybody from now on."

After the debate and again on Wednesday, the candidates' respective aides made that clear.

Romney adviser Ron Kaufman called Perry "a petulant little boy" and said that Romney "put him in his place."

"The governor of Texas came across as mean, petulant and nasty," Kaufman said.

Perry communications director Ray Sullivan suggested the sharper tone from Perry would continue, saying: "I suspect this tack will be part of future debates, will be part of the campaign, and that's probably good for the voters."

He explained Perry's sharper tone this way: "I think he was Rick Perry in his approach, and that was a good thing for us."

A more aggressive Perry showed up during the debate and quickly assailed Romney's character.

"Mitt, you lose all of your standing from my perspective because you hired illegals in your home, and you knew for about it for a year," Perry said, raising a topic that was an issue during Romney's 2008 presidential run. "And the idea that you stand here before us and talk about that you're strong on immigration is, on its face, the height of hypocrisy."

Romney defended himself, but in doing so gave critics an opening.

He said that he had told the company that worked on his lawn in 2006 and 2007 that all of its workers had to be in the country legally.

"I'm running for office, for Pete's sake, I can't have illegals," Romney said he told the company when he discovered that it employed illegal immigrants.

Obama's advisers jumped on that comment quickly, with Messina saying: "He didn't object to having undocumented immigrants working for him because it's illegal."

Democrats also cast him as out of touch with middle class Americans after he went to Nevada ? the state with the highest foreclosure rate in the nation ? and said he wants to allow home foreclosures to "hit the bottom" to help the housing industry recover.

There's no mystery as to why Obama's team is assailing Romney. Many Democrats see him as likeliest to win the GOP nomination, given his wide name recognition, his proven fundraising ability and his expansive campaign organization.

Democrats believe he could be a formidable contender, with his business background and economic pitch, against a Democratic incumbent trying to win re-election at a time of 9 percent unemployment.

___

Elliott reported from Washington.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2011-10-19-Republicans-Getting%20Nasty/id-2de742686ce34f9c9a6d4d54472eeccb

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Catholics, Jews condemn Sarandon's pope Nazi quip (AP)

NEW YORK ? Catholic and Jewish groups are condemning actress Susan Sarandon for referring to Pope Benedict XVI as a Nazi.

The head of the Catholic League says her comment was "obscene" and the Anti-Defamation League released a statement calling on the actress to apologize to the Catholic community for the "deeply offensive" remark.

Sarandon, who won an Academy Award for her role in the 1995 anti-death penalty film, "Dead Man Walking," made the comment during an interview Saturday at the Hamptons Film Festival on Long Island.

As first reported by Newsday, Sarandon said she gave a copy of the book on which the film is based to the German-born pope, referring to him as a Nazi.

A telephone call to Sarandon's representative asking for comment was not immediately returned.

Source: http://us.rd.yahoo.com/dailynews/rss/celebrity/*http%3A//news.yahoo.com/s/ap/20111019/ap_en_ce/us_people_sarandon_pope

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SuperValu returns to profit in its 2nd quarter

FILE - In this April 12, 2011 file photo, grocery carts are stacked outside the Save-a-Lot grocery store in Northfield, Ohio. The supermarket operator also cut the high end of its fiscal 2012 earnings outlook on Wednesday, Oct. 19, 2011. (AP Photo/Amy Sancetta, File)

FILE - In this April 12, 2011 file photo, grocery carts are stacked outside the Save-a-Lot grocery store in Northfield, Ohio. The supermarket operator also cut the high end of its fiscal 2012 earnings outlook on Wednesday, Oct. 19, 2011. (AP Photo/Amy Sancetta, File)

(AP) ? SuperValu Inc. returned to a profit in its fiscal second quarter, absent hefty goodwill and impairment charges incurred a year earlier.

The supermarket operator's results beat Wall Street estimates but it cut the high end of its fiscal 2012 earnings outlook on Wednesday.

SuperValu, which runs SuperValu, Jewel-Osco, Albertsons and other supermarket chains, reported net income of $60 million, or 28 cents per share, for the period ended Sept. 10. That compares with a loss of $1.47 billion, or $6.94 per share, a year ago.

The performance topped the 20 cents per share analysts expected.

Revenue dropped 3 percent to $8.43 billion from $8.66 billion, but still beat Wall Street's estimate of $8.36 billion.

Its stock rose 27 cents, or 3.3 percent, to $8.44 in premarket trading.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2011-10-19-US-Earns-SuperValu/id-d70703b5b7e040928f528fbf2ff44aff

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