Best Cheap Insurance Quotes

Running a business requires the fine balancing of risk. An internet and e-mail use policy is necessary to limit the organization’s risk of cybercrime, trade dilution and disparagement, and privacy claims from customers. But, what is the limit of what such a policy can do with regard to after-work employee internet activity?

We may soon find out. The National Labor Relations Board has filed a complaint against an employer for terminating an employee after some negative comments about her supervisor were posted on Facebook.

There is an excellent article at businessinsurance.com discussing several studies analyzing the transition from daylight savings time back to standard time. While there is more of a correlation between transitioning to daylight savings time and a higher accident rate, it appears that the accident rates for pedestrian-auto accidents increase “in the two-hour period after local sunset in the weeks after the switch back to standard time, a result possibly largely attributable to the earlier onset of darkness.”

So, we are a couple days after the Election and the Republican party has won a majority in the House.

What does that mean for health insurance reform?

Reality check: nothing much.

The Affordable Health Care for America Act (or HR 3962) became law in March 2010. Many plans are already implementing the specific changes mandated under that Act. For example, some plans that excluded children after a certain age or event (or charged a penalty premium for continued coverage) will still be implementing the Act’s measure allowing dependents to age 26 to be covered. Most will do so through “open enrollment” according to the particular plan.

The eruption of Mount Merapi in Indonesia last week and again today, raises the issue of whether a volcano eruption is a risk that can be insured or guarded against.

The answer, as always, is it depends on the policy and type of coverage.

For example, during the eruption of Eyjafjallajökull volcano in Iceland back in April, the primary source of damage from the volcano to businesses was not direct damage to buildings and equipment. Rather, the volcano and ensuing dust and clouds disrupted air travel and business throughout Europe, Canada and North America. On an economic level the loss was staggering to effected businesses because of the loss of travel and disruption. But, the disruption was generally not covered under business interruption policies because it was not a covered loss and buildings and equipment were not damaged.