How to Get the Best Quote for Liability Insurance for Author

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Liability insurance for author is designed to cover all the risks that the author may face with regard to his writing. We all have the right to express our opinions on matters that are public. Authors know the risks that they are open to, by bringing to light various matters not commonly known to the world. The comments, opposition of people is welcome by the author but not slanderous words. In heated discussions things cannot be predicted and that is the reason Public Liability Insurance in UK for author should be taken.

Chances are others may sue the author for the content that they write, the comments they post. Liability insurance for authors covers all the risks that the author may face with respect to his work. It includes claims of libel or slander, invasion of privacy, violation of trademark or copyright, errors omissions, plagiarism.
Compensation is paid even for monetary damages, settlement of any claims, legal expenses while defending a claim. Articles that an author writes in websites, magazines, newsletters, blogs, social media and newspapers are all covered in liability insurance for authors.

However, there are certain things that liability insurance for authors does not cover. They are screenplays, books, songs or commercial jingles, script for radio and television, and programs in computer.

A quote for author liability insurance can be sought from an insurer who is reputed to have met the claims of their insured authors. Check the risks that the insurer covers and match it with your needs. If it well fits your budget then go for it.

An example of Liability Insurance in UK for author is, if you are an individual writing in your own name, legally established in 2009 but have got 8 years of experience and no previous claims at all. You have no clerical employees and one work away employee then liability insurance for you will be Ј 73.74 annually from MMA Insurance. There is no monthly premium since the annual amount is relatively less in itself. The excess that you would be paying is Ј100 for standard property.

MMA Insurance gives Ј1,000,000 worth public liability insurance, Ј1,000,000 employer’s liability insurance and 15% No Claims Discount. There are a few endorsements in this policy – woodworking machinery exclusion, exclusion of professional indemnity and exclusion of manual work.

The premium amount will differ based on the number of employees, the company status and previous claims that has been made against the insured. So cover all your risks with liability insurance with www.insurancepublicliability.com for author.

Article source: http://www.insurancetrue.com/how-to-get-the-best-quote-for-liability-insurance-for-author/2012/07/21/

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Telecom security policy: Global pressure forces government to drop 50% local tools clause

NEW DELHI: India plans to drop a controversial clause from its proposed telecom security policy that mandates that at least 50% of all 'core telecom network equipment' be indigenously developed or manufactured.
Western vendors as well as governments of several countries, including the United States had rapped India's tough stance in its draft telecom security policy unveiled by the telecom department (DoT) earlier this year, as they disagreed with the country's stance of securing commercial telecom networks through local manufacturing.

While the draft policy said that India must 'progressively develop indigenous capacity to manufacture telecom equipment - both hardware and software - with the aim to have at least 50% of the core telecom network equipment being inducted into the network to be indigenously developed and manufactured in the country', the revised version, dated August 3, has suitably modified this guideline.

The revised version states that the India will 'progressively develop indigenous capacity to manufacture electronic telecom equipment and software being inducted into the network'.

The DoT has also sought the approval of its highest decision making body, the Telecom Commission, for the revised policy framework. This new rules will be formally notified after the TC approves the revised guidelines, an official with direct knowledge of the development said.

But at the same time, the DoT has decided to retain most other clauses that have been opposed by Western governments and global telecom equipment vendors. For instance, the final policy retains the guideline that says mobile phone companies will be permitted to induct both hardware and software only from 'trusted sources'.

However, the department has made a small concession and said that it would accept global certification of network equipment. The earlier version had said that all core hardware required for the telecom network could only be installed only after certification in India.

It has further decided to retain another controversial clause that states that India will 'create a conductive environment, which helps vendors to set up the remote access in the country'.




Besides, the guidelines also state that India will enact laws 'that enable law enforcement agencies to have lawfully targeted communication, messages, information and data as far as possible on a real time basis, or near real time basis'.

This means that all players that offer communication services, including the likes of Google, handset makers like Nokia, Samsung and Research in Motion, must either locate servers in the country or share encryption keys or provide other tools to assist security agencies in monitoring these services.

Both Nokia and BlackBerry maker Research in Motion have already set up servers in India to help intelligence agencies monitor communications on these handsets.

At the same time, the policy has stressed that 'it will be kept in view that privacy of individual is not transgressed without valid reasons provided in the law and development needs of the country are not hampered'.

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Women, Women Everywhere and Not a CEO Among Them

I have spent most of my working career in healthcare, a total of 12 years.  Three years as a Social Worker and Family Counselor, and then nine years as a Health Care Executive, working in private medical practices as a manager.  I am currently looking for a job but I am either over qualified for a manager’s position or under qualified for a director’s position.  As a dual master holder, MSW and MBA, with a total of 17 years working, 14 as a manager, I was dismayed at how I could still be under qualified until I found this article:

“Women in Healthcare Report: 4% of CEOs, 73% of Managers”

The article points out that, according to Bureau of Labor Statistics, 73% of medical and health service managers are women.  This has been my experience.  Whenever I attend one of my  professional groups meetings or seminars, the room is very heavy with estrogen; half the room menstruating, the other half in menopause, which means that 50% of the women will be too hot or too cold or both.

“Despite the central role women play in healthcare, RockHealth uncovered some stunning statistics about the dirth [sic] of women running startups that are getting funded. Consider that while women compose 73% of medical and health services managers, only 4% of healthcare CEOs were women. In the 2011 Venture Funded Digital Health database that RockHealth created, they looked at organizations who received over $2M in venture funding — zero had a female CEO. So far in 2012, only 3 venture-backed digital health startups who raised 2 million dollars or more had female CEOs. The report also outlines other interesting statistics such as the percentage of TEDMED speakers who were female.”

The report shows the of the 100 women surveyed, almost 50% report a lack of self confidence while about 18% cite lack of education, and about 42% cite no connection with senior leadership; in other words, lack of a mentor.  I would like to add another reason:   Managers of private medical offices, not affiliated with large groups or hospitals, are by and large women who have worked their way up through the ranks of the office and  have no or little formal education, but have decades of experience.  Additionally, managing a medical office is very different from management in a hospital or large practice.  In an office, the manager is the one responsible for making sure that all aspects of the office run efficiently.

Recently, I interviewed for a director position and I was asked to outline all my duties as an office manager.  It came to four pages.  The headings were Compliance, Operational, Human Resources, Site Operations, and Personal Development.  There are very few jobs, with the exception of entrepreneurs, where one person is responsibility for so many important and varied tasks.  In a hospital setting, an executive does one thing, be it Operations, Human Resources, Clinical or Compliance.  When a female manager with only Practice Management experience wants to transition to an Executive Position, their lack of formal education disqualifies them from the position.  If the women attempts to substitute experience for education, the response is that she does not have enough experience in total or not enough experience in the specific job as listed.  This decision is invariably made by a male executive who has never worked in the medical practice sector and thus does not recognize the extreme ability needed to manage a medical office and keep it profitable.

“Sue Siegel, CEO of GE’s healthymagination, points out a natural strength that women should be able to tap. “Data shows that women are at the center of healthcare decisions in the family unit and experience the full spectrum of healthcare delivery. As leaders in the healthcare system women bring firsthand views as customers. They can then help define and improve these experiences, making the healthcare system more user friendly, convenient, and efficient. As healthcare professionals, women bring empathy and increased communication skills. This is an industry where women can naturally lead."

While numerous reports over the years demonstrate the lack of women in high level positions across the job spectrum, there are few occupations that are so heavily populated by female workers.  It is for this reason that I find the situation of lack of CEO’s so egregious.  As a female Health Care Executive, I do not have an easy answer except to state that it is time for healthcare to stop looking at the gender of the applicant and instead focus on the qualifications of the candidate.

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Another (Painful) Ethical Conundrum

Imagine that you've had a devastating stroke, one which left you completely paralyzed, yet in full control of your mental capacity. You are a prisoner in your own body, completely dependent on others for your own sustenance and life.

And you have 20 or more years of this to look forward to.

Such is the case of Tony Nicklinson, a (now former) businessman who, at age 51, suffered exactly that catastrophic event, and has now asked a court for permission to end his own life.

Of course, being completely paralyzed means that he'll need some help with that, which is why the law's involved in the first place. That this scenario is being played out in England is, of course, excruciatingly ironic; after all, the MVNHS© itself seems to have little problem killing off less cumbersome patients.

In the event, the British High Court has denied his request, sentencing him to another few decades of suffering. The court's reasoning is that, because he's not terminally ill, "it would be wrong 'for the court to depart from the long established position that voluntary euthanasia is murder, however understandable the motives may be...'"

One wonders whether this is a valid point....

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Cavalcade of Risk #164: Call for submissions

Emily Holbrook hosts next week's Cavalcade of Risk - Entries are due by Monday (the 20th).

To submit your risk-related post, just click here to email it.

You'll need to provide:

■ Your post's url and title
■ Your blog's url and name
■ Your name and email
■ A (brief) summary of the post

PLEASE remember: ONLY posts that relate to risk (not personal finance tips and the like).

Thanks!

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Disability and the unexpected

The step-son of our very close friends was in a terrible motorcycle accident recently: he was pulling out of his driveway when he was hit by a car, smashing his leg and spleen, crushing his spine and resulting in what appears to be major head and brain trauma.

Obviously, he hadn't planned to be hit by a car, but this is why they're called "accidents:" no one plans them, life happens.

Which brings us to the question of how he'll feed his family, pay his bills, and (hopefully) continue saving for retirement (assuming he's even/ever able to return to work). I have no idea whether or not he has disability income ("paycheck") insurance, but I sure hope he does.

What brings this to mind is an email I recently received from MassMutual (one of the premier DI carriers), which included some interesting (and thought-provoking) information. In the past 10 years, for example, for its disability insurance policyholders aged 35 or younger, MM had over 1,000 policyholders go on claim for at least 90 days.

Some of these were surprising to me:

■ A 35 year old male with chronic fatigue syndrome whose claim is now over 10 years old

■ A 29 year old woman, also 10+ years on claim, with a lung disorder

■ One guy with hypertensive heart disease was only 28 when he went on claim over 5 years ago

Is your disability income insurance up-to-date? Are you sure? Life happens.

[h/t: Howard Klebanow]

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