Professional liability insurance concentrates on the supposed failure to carry out on the behalf of, monetary loss caused by and error to omission in the service or product sold by the policy holder. These are actions that have the possibility to lead to legal action that wouldn’t be covered by a more basic liability insurance policy which focuses on more direct methods of harm.

In most cases professional indemnity coverage also allows for defense costs, including when the legal action brought up turns out to be baseless. This kind of insurance does no include criminal prosecution. It also does not include a massive variety of possible liabilities under civil law that are not listed one-by-one in the policy coverage, but which may be subject to particular types of professional practice, and in some cases is necessary under binding legal documentation by other companies that are the direct beneficiaries of the service or counsel.

Professional indemnity insurance could also have varied forms and names in accordance to the profession. In the medical profession, for example, it is known as malpractice insurance, consultants, lawyers and brokers call it errors and omissions (E&O) coverage. Other professionals who usually have need of professional liability include maintenance and contractors, financial and accounting services and transport.

The main rationale for professional liability coverage is that a normal general liability insurance policy will only cover physical harm, damage to property, advertising injury or personal injury claim. Other kinds of insurance protect employers and public and product liability. There are different kinds of professional services and products that can lead to legal claims without any of the enumerated types of harm covered by such policies occurring. Normal claims that professional indemnity insurance covers include, misrepresentation, negligence, violation of good faith and erroneous advice.

For more information, visit: http://www.rhhinsurance.com/professional-liability.html

• Have you gotten married or divorced?
• Have you had a baby?
• Did your teenager get a driver’s license?
• Have you switched jobs or experienced a significant change in your income?
• Have you done extensive renovations on your home?
• Have you decided to buy a vacation or potential retirement home?
• Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
• Have you signed a lease on a house or apartment?
• Have you joined a carpool?

If you answer yes to any of these questions, give us a call to update your policy. (410) 504-1002

Here’s how the new Maryland traffic ticket process works: Drivers have three choices when they get a payable traffic ticket, and they must comply within 30 days or risk having their driver’s license suspended by the Motor Vehicle Administration.

The three choices:

1. Pay the traffic ticket fine.
2. Ask for a waiver hearing instead of a trial. Waiver hearings are for drivers who don’t dispute the ticket, but want to have a judge hear an explanation before being sentenced.
3. Ask for a court date for a trial.

Homeowners Insurance

Homeowners insurance is a personal insurance policy that covers the expense to repair or replace a home and the property that is kept inside. These policies protect the holders from damage that may be caused by vandalism, natural disasters, and the like. One thing that people should keep in mind when they are considering purchasing homeowners insurance is that many of these homeowners insurance policies do not cover damage that is caused by flooding. People who live in areas that are prone to flooding will usually have to purchase an additional policy to cover themselves for those possibilities. One interesting thing that is covered by most homeowners insurance policies is liability. This means that if a guest is injured while inside of one’s home due to negligence or something that can be blamed on the house, such as slipping on a wet floor, that person has the legal right to sue the owner of the house for the damages that occurred to his person. However, these damages that would be awarded to the injured guest would be covered by the homeowner’s homeowners insurance policy. This can save a great deal of stress and hardship and is very valuable for people who entertain company often.

Auto Insurance

Auto insurance protects a person in the evident that he has an accident i his car. these accidents can cause a great deal of harm. That is why it is so important to have automobile insurance.

Life Insurance

Life insurance covers a person in the event that he dies. These policies pay out money to people who were dependent on the person. When the provider for a family dies, it can be a huge blow to a family. Life insurance softens this blow.

Health Insurance

Health insurance pays for medical bills that a person incurs. Medical bills can be very expensive. Health insurance makes these costs manageable.
 
By purchasing the right personal insurance policies, a person can greatly reduce the impact that disasters will have on his life.

1. Never get out of the vehicle to make a repair or examine the damage on a busy highway. Get the vehicle to a safe place before getting out. If you’ve been involved in an accident, motion the other driver to pull up to a safe spot ahead.
2. If you can’t drive the vehicle, it may be safer to stay in the vehicle and wait for help or use a cell phone to summon help. Under most circumstances standing outside the vehicle in the flow of traffic is a bad idea.
3. Carry flares or triangles to use to mark your location once you get to the side of the road. Marking your vehicle’s location to give other drivers advance warning can be critical. Remember to put on your hazard lights!
4. In the case of a blowout or a flat tire, move the vehicle to a safer place before attempting a repair—even if it means destroying the wheel getting there. The cost of a tire, rim or wheel is minor compared to endangering your safety.

The fall, when deer are mating and in many rural areas drawn out of their habitat by hunters, is the time of year when the most deer-vehicle incidents are reported.  While Maryland has seen a 27% increase in deer-vehicle collisions in the past few years along with increases in other states, there are things you can do to help minimize your chances of being one of these statistics.

Defensive driving tips to avoid hitting a deer:

• Be especially attentive from sunset to midnight and during the hours shortly before and after sunrise. These are the highest risk times for deer-vehicle collisions.
• Drive with caution when moving through deer-crossing zones, in areas known to have a large deer population and in areas where roads divide agricultural fields from forestland. Deer seldom run alone. If you see one deer, others may be nearby.
• When driving at night, use high beam headlights when there is no oncoming traffic. The high beams will better illuminate the eyes of deer on or near the roadway.
• Slow down and blow your horn with one long blast to frighten the deer away.
• Brake firmly when you notice a deer in or near your path, but stay in your lane. Many serious crashes occur when drivers swerve to avoid a deer and hit another vehicle or lose control of their cars.
• Always wear your seat belt. Most people injured in car/deer crashes were not wearing their seat belt.
• Do not rely on devices such as deer whistles, deer fences and reflectors to deter deer. These devices have not been proven to reduce deer-vehicle collisions.

If your vehicle strikes a deer, do not touch the animal. A frightened and wounded deer can hurt you or further injure itself. The best procedure is to get your car off the road, if possible, and call the police.

Contact your insurance agent (Rossmann-Hurt-Hoffman, Inc. of course!) to report any damage to your car. Collision with an animal is usually covered under the comprehensive portion of your auto insurance policy if you carry that coverage.  http://www.iii.org/individuals/auto/lifesaving/deercar/