#PersonalLiability

[fincrew]

The Importance Of Golfer Insurance: Protecting Your Game And Health

As a passionate golfer, you immerse yourself in hours of practice, refining your swing, mastering the delicate art of putting and relishing the tranquil beauty of the green. Golf transcends being merely a sport; it has become a way of life for countless enthusiasts. Amidst your dedication to acquiring the necessary golfing equipment and investing in lessons to enhance your game, one crucial aspect may have eluded your attention— golfer insurance. This article delves into the significance of golfer insurance and how it serves as a protective shield on the green.

Understanding Golfer Insurance

Golfer insurance stands as a specialized form of insurance coverage meticulously tailored to address golfers' unique risks and requirements. It offers financial security for accidents, injuries, equipment loss or damage, and personal liability. Golf may be perceived as a relatively safe sport, yet unforeseen mishaps can occur, and the costs associated with medical treatment or replacing expensive golfing gear can prove substantial.

Golfer Insurance Coverage

Coverage For Accidental Injuries On The Course One of the primary advantages of golfer insurance lies in its provision for accidental injuries that may arise on the golf course. Golfers remain vulnerable to various injuries, ranging from sprains, strains, and fractures to more severe incidents like concussions. Typically, golfer insurance encompasses coverage for medical expenses, surrounding hospitalization, surgeries, doctor visits, and rehabilitation. This comprehensive coverage ensures that the weight of excessive medical bills does not burden you in the event of an unfortunate accident on the course. Protection Against Equipment Loss or Damage Golf clubs, bags, balls, and other equipment embody significant investments. Picture the exasperation of having your golf clubs stolen from your vehicle or damaged during transportation. Golfer insurance serves as a safety net, providing coverage for losing or damaging your invaluable golfing equipment. Whether due to theft, accidental damage, or even vandalism, golfer insurance guarantees that you will not shoulder the financial burden of replacing your cherished gear. Safeguarding Against Personal Liability Golf embraces a social nature, inevitably heightening the risk of accidents leading to property damage or injury to fellow players. Errant shots that inadvertently strike someone or cause harm to a vehicle can give rise to liability claims and subsequent legal proceedings. Golfer insurance typically covers personal liability coverage, ensuring your protection in case you are held legally responsible for bodily injury or property damage inflicted upon others during a game of golf. This coverage is vital protection against potentially expensive legal settlements or court costs.

Benefits of Golfer Insurance Policy

Investing in golfer insurance encompasses many benefits that transcend mere financial protection: - It bestows peace of mind, allowing you to immerse yourself fully in the enjoyment of the game without succumbing to concerns about potential risks. Knowing that you possess coverage in the event of an accident or injury elevates your golfing experience. - Golfer insurance frequently extends its protective arm to cover golf-related travel, such as golf vacations or tournaments, ensuring safety regardless of play location. - Specific insurance policies offer additional perks, including coverage for golfing equipment rentals or reimbursement for lost green fees due to injury or illness. Factors To Consider When Choosing Golfer Insurance When selecting a golfer insurance policy, several factors warrant careful consideration. Primarily, evaluate the coverage options provided by various insurance companies. Seek policies that offer comprehensive coverage for medical expenses, equipment loss or damage, and personal liability. Additionally, verify whether the approach incorporates coverage for golf-related travel and any supplementary benefits aligning with your specific needs. Assess the reputation and financial stability of the insurance company to guarantee its reliability in the event of a claim.

Conclusion

Golfers often overlook golfer insurance, yet its significance cannot be overstated. Protecting yourself on the green extends beyond refining your swing or executing the perfect putt—it necessitates safeguarding your financial well-being in the face of accidents, injuries, equipment loss or damage, and personal liability. By investing in golfer insurance, you can relish your beloved sport with peace of mind, knowing that you are protected should the unexpected unfold. Thus, undertake the necessary steps to procure the appropriate golfer insurance policy, seamlessly integrating it into your golfing journey. Read the full article

[johnperryinsurance01]

Liability Insurance | John Perry Insurance

At John Perry Insurance, we understand the importance of safeguarding your business and assets. Our Liability Insurance offers comprehensive coverage that shields you from unforeseen risks. 🛡️ Whether you're a small business owner, a professional, or an entrepreneur, our policies are tailored to meet your unique needs. With our trusted expertise, you can focus on what you do best, while we take care of the rest. Your peace of mind is our priority!

Don't leave your future to chance. Contact us today to learn how John Perry Insurance can provide you with the security you deserve. We're here to help you navigate life's uncertainties with confidence. 🤝

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[seemabhatnagar]

Disciplinary Authority can't assume the role of Enquiry Officer

Bhaskaran KP v. Kerala State Electricity Board Limited

Writ Petition 40499/2017 allowed on 31.07.2023

By Hon’ble Mr. Justice Devan Ramachandran,

Kerala High Court

Petitioner Bhaskaran KP, filed Writ Petition (WP) before the Kerala High Court seeking quashing of the order passed by Disciplinary Authority of Kerala State Electricity Board (KSEB) and confirmation of the modified order by the Appellate Authority.

Background

1.    Petitioner, an Assistant Engineer at Electrical Section – Desamanglam retired on 31.03.2015 but was denied retiral benefits on account of uncorroborated shortfall in materials of which he was in charge.

2.    Charge memo was issued to the petitioner to which he denied.

3.    Enquiry was conducted and two charges were framed against him. First charge was account for the material. This charge was not proved in the absence of proper verification of the accounts and the materials. Second Charge was gross insubordination, it was proved.

4.    Consequent to the enquiry report an investigating team was constituted to quantify the liability against the petitioner which found Rs. 14,51,286/ as shortfall amount.

5.    Disciplinary Authority imposed Rs.14,51,286/ as personal liability of the petitioner but didn’t impose any punishment on account of second proved charge of gross misconduct.

6.    Disciplinary Authority however modified its earlier order and reduced the liability to Rs.10,54,844/- by another order.

7.    Petitioner Challenged modification of order by Disciplinary Authority before the Appellate Authority.

8.    Appellate Authority confirmed the order of Disciplinary Authority that Rs. 10,54, 484 is personal liability of the petitioner thus the amount is liable to be recovered from the retiral benefits.

Contention of the Petitioner’s Counsel

1.    Review of its order by Disciplinary Authority is improper and impermissible.

Contention of the Counsel of the KSEB

1.    Report of the investigating team is not available because of lapse of time.

2.    On humanitarian ground figure of Rs.14,51,286/- was reduced to Rs. 10,54,844/- by the Disciplinary Authority.

3.    Thus, Disciplinary Authority issued another order treating the amount as personal liability.

4.    Thus, order of the Disciplinary Authority and Appellate Authority can’t be challenged by the petitioner.

Observation of the Court

1.    Disciplinary Authority didn’t impose any punishment on the proved charge rather inflicted Rs.14,51,286 as personal liability of the petitioner. This is the first error.

2.    The matter should have gone back to the Enquiry Officer for completing the disciplinary proceedings. Instead, Disciplinary Authority himself took the role of the Enquiry Officer and found the petitioner guilty and concluded that Rs.14,51,286/- be reckoned as his ‘personal liability’.

3.    The input of the investigating team ought to have gone back for enquiry and enquiry officer should have concluded the guilt or otherwise of the petitioner.

4.    Disciplinary Authority reviewed its own order and reduced the liability to Rs.10,54, 884/- and affirming this as his personal liability.

5.    The Appellate Authority failed to notice that the order of the Disciplinary Authority was not one which emanated out of the disciplinary enquiry, but was based on his own assessment of liability. The second error committed by the Appellate Authority.

6.    The failure of the KSEB to produce the report of the Investigating Team casts aspersion on the manner in which the proceedings against petitioner were taken forward and completed by them.

7.    Court fails to understand how the Appellate Authority affirmed the order of the Disciplinary Authority reducing personal liability to Rs. 10,54,884/- on the basis of untraceable report against the petitioner.

Decision

The modified order of the Disciplinary Authority & affirmation of the order by the Appellate Authority is set aside. The KSEB is directed to pay the petitioner his eligible amounts within a period of two months from the date of receipt of a copy of this judgment issue.

[utsur-ikumi395]

SOMEE WIPSS A DRAWING OF PERSONALLIITY SWAPPED JAX ANDHGG N!! ((Same ENG VA <33 LUVUUU MICHAEL MWAHH 🥰🥰🥰🥰💛💛🌒💛🌒🌒💖))))

PLUSS A NUZI COMIC ((GONNA COME UPP WITH HEADCANONNED BDAYSS SOOON!! IM THINKINGG JUNE FOR N! ORR NOVEMBER CAUSEE UYALL KNYIOOOO XDD THEN JULYY FOR J ANDD ALSYIOO NOVEMBERR FOR V XDD OROORORYUOOOO!! JULY FOR J AND UZII XDD))))]]] ANNDHDG MAII ABSTRACTT ARTTT LASSTTT BUT NOT LEASSTT EHHEYWIWOO ITS GROWINGGHH ON ME THIS DESIGNN XDD

[taxrefundonspot2203]

DIRECTORS HAVE NO PERSONAL LIABILITIES IN COMPANY? IS IT TRUE?

personalliabilities #TaxTips2025 #TaxAdvice #Australianpeople #TikTokTrend #Hilarious #HustleHard

[adaddictive]

Farmers Insurance!

With half a century of experience under their belt, the muppets of Sesame Street have seen it all—that is why Farmers Insurance used some of the show’s characters to star in its latest ad, which reminds you that the 91-year-old company has been around long enough to know how to handle even the most peculiar of insurance claims.

Go to adaddictive.com

You will find more awesome ads

[legobatjoker]

🎆🎆🎆🎆 <- the sky in a few dayz

fireworkz.. what r ur thoughts in them mx

[witchblade]

take your meds take your meds !

[yaoiplug]

@automqtic

©

[caruliaa]

oughhh vcing w u today was so fun!! literally mlp so true show of all time also?? i think uscore personallie?? as like a peice of media.. yah.. squadcore too… and playing mc was sooo fun i j love hanging out w u:3!!!! 💕💕💕💕 u r such a good friend alll thee time u j make me sossoo happy and r so so understanding and thoughtful of me and i find u trulie incredible !! i hope u r having many amazing dreams my lovely ladybird !!! i love youu (hugse u mayb if thats ok❤️)

omg mx ur soso sweett ;---;; !! i had sm fun vcing w u 2day too it was so nice 2 watch mlp i agree sm uscore show squadcore show of all time id say !! :> nd ya it was soso nice 2 play minecraft nd hang out in our little minecraft world :> !!! i love you so so much my dearest ur soso fun 2 talk 2 nd spend time with nd ur j such an amazing wonderful friend my dearest u make my every day sm better nd happier nd j fill my life w sm love nd kindness nd joy nd warmth nd j im so so luky 2 know u nd be ur friend my dearest nd i hope 2 b such an amazing friend 2 u 2 my dearest bc ur deserve it sm nd bc i love youu !!! :'> *hugs u back v v close if u wish !!*

[fincrew]

Many homeowners’ insurance claims are liability losses. They can result in payouts of a few million dollars. If someone gets hurt on your property, or if you cause damage to someone else’s property, you may be liable for medical bills, legal fees, rehabilitation, and many other expenses. You can protect yourself against this risk by purchasing a personal liability policy. The policy will cover your legal expenses if you are sued.

What Is Personal Liability Insurance?

A personal liability policy protects you and your family from liability if you cause physical injury to a third party or cause damage to their property. In addition, the personal liability coverage compensates you for the legal fees and damages you owe. Several factors affect the type of liability insurance you need, including your employment status, industry, and the country in which you live. It is relatively uncommon in Malaysia to take out personal liability insurance as a separate policy, but it is common to include it in insurance packages. However, given the wide range of coverage available, it can be tough to understand which type of liability insurance you need.

What Does Personal Liability Insurance Cover?

A personal liability policy will protect you in a wide range of situations where you may be legally required to pay for something that happens to someone else on your property or, in some cases, on someone else’s property. Among the most common liability claims are the following:

Expenses resulting from an injury sustained by a guest at your home

Litigation seeking compensation for damages that the policy may cover

Damages to persons or property resulting from your negligent acts or omissions

Damage to property or bodily injury caused by your pets

What Isn’t Covered In Personal Liability Insurance?

Your homeowners’ insurance will cover some specific personal liability claims. A few common examples include:

Liability due to a car accident: your auto insurance policy typically covers these claims.

Injury or damage to property by you or a family member

Damages or injuries within the household

Any bodily injury or property damage can be attributed to your professional activities or any business you conduct. A business insurance policy should cover any business-related claim.

Is It Necessary To Have Personal Liability Insurance At Work?

If an accident occurs at work while performing your duties, your business’s insurance policy should cover the costs. You should check if your employer has public liability insurance, which will compensate you for any damage to a third party caused by accident caused by a member of the organization while at work. To protect you personally under similar circumstances as a self-employed person, you must have self-employed public liability insurance.

How Personal Liability Insurance Work

Assume that your homeowners’ insurance offers RM300,000 in personal liability coverage. In addition, you have a personal umbrella insurance policy that covers up to RM1 million. The plaintiffs sue you for RM800,000 for a covered incident, and you lose. The first thing you’ll have to do is pay your homeowners’ insurance deductible, say RM1,000. Next, your homeowners’ insurance will spend the next RM299,000 of the judgment, bringing you up to the RM300,000 limit. You will then have to pay RM500,000 from your umbrella policy. However, due to your high level of comprehensive personal liability coverage, you won’t have to pay that half-million out of your assets.

Final Thought

Feel free to contact Fincrew Insurance today if you have any concerns about the level of cover provided by your policy. We also offer a range of commercial insurance policies available for viewing online today.

[mulderspice]

spill the tea on never again queen 🍵

honestly I think it’s just cos im not a scully girl like a lot of other people are I just always found it boring personallie.... but idk I think sometimes the way they go abt making scully seem edgy and different~ are not the wave. im not saying she needs to be a prude or like pledge her allegiance to mulder sexually since day 1 but idk I just think they did her wrong in a lot of ways nd that episode doesn’t rlly do much for me in terms of like , her characterization

[littollamb]

WHY ISNT THER A LITTLE/CAREGIVER SEARCH BLOG!??!

*please excuse my littol talk!*

its vewwy hard not too get jellus of other babeys with CG’s, butt i dont eeven kno wherr too start too find a CG >:/

i get tha feeleng that alot of regressors dont kno eether!

not haveing a CG isnt that bad butt personallie i kno it wud make regressing alot better fore me..

IM STARTING TO CONSIDER STARTING A AGERE/CG SEARCH BLOG MYSELF!!

oh gosh butt running it on my own mite bee hard...

BUT FOR THA SAKE OF LITTOLS LIKE ME WHO REALLY WANT ONE IMMA DOIT!

it wud bee a challenge butt a super fun one♥︎

i can have a templat that can have location/platonic or non platonic/ gender/ and a bonch of spesifik stuffs! OOH and tags so peepol are eesier too finde :D

id like a little help tho! if you guys can reply good criterias fore tha template and other things you want the blog too have id reely appricate it and love you all for ever and ever!!

ILL TRY TO HAVE IT UP ASAP, BUT IT CAN HAPPEN AS SOON AS I GET HELP FROM YOU GUYS♥︎♥︎♥︎

UPDATE: i made it :3

@agere-n-cgsearch

[multiriskcanada]

A Home Insurance policy offers several benefits starting from damage repairs to any type of personal liability.

We can help you avail of maximum benefits at affordable costs. Connect with Multi Risk Insurance brokers to know more! Call us now!

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Email: info@multirisk.ca

Call: 416-224-2800

#multiriskbrokers #home #homeinsurance #insurancecoverage #homeinsurancequote #homeinsurancecover #homeinsuranceagent  #personalliability #protecthome #residential #property #insurancecover #insurancematters #insuranceneeds #insuranceprovider #insuranceagents #insurancebrokers #SecureFamily #canada #toronto #insurancecompany #insuranceagency #savingplans #insurance #futuresavings #financialsecurity #multiriskbrokers

[marcellus-pye]

This Wizard is my Bitter rival, but even so, I must Speake in her favor. Marcia Overstrand has the incredible taste to also Choose Septimus as her Apprentice. And it Irkes me to no End! Let the boy become an Alchemist alreadie!

Not to mention, Ms. Overstrand is far too stubborn to let Septimus live here! Last time she was here, she insulted my Bearde and Star Robes. Personallie, I think her Purple Robes would look better with some star Embroiderie!

Although Marcia Overstrand has manie, manie flaws, she is a talented Wizard. Fellow Alchemistes would do well to remember that. My rocking chair was never the same since SHE Magicked it...

[leanstooneside]

WORLD OF FOOD

evanescent character of the light when a wisp of straw was used is noted in the evidence

little Jonet Howat Helen Guthrie's young daughter: 'At this meiting there wer about twenty persones present with the divill and they daunced togither and eat togither having bieff bread and ale and shoe did eat and drink with them hir self bot hir bellie was not filled and shoe filled the drink to the rest of the company.'[550] Elspet Alexander confirms this statement 'The divill and the witches did drinke together having flesh bread and aile';[551] and so also does the Jonet Stout who sat opposite to Helen Guthrie at the table 'The divill and the said witches did eat and drinke having flesh bread and aile upon ane table and Joanet Huit was caper and filled the drinke'.[552] On one occasion they tried to wreck the Bridge of Cortaquhie; 'when we had done Elspet [Bruce] gaive the divell ane goose in hir own house and he dated hir mor than them all because shee was ane prettie woman.'[553] The Kinrossshire witches obtained their food from the Devil and this is one of the few instances

quelque enfant non baptisé qu'on faict secher puis meslant cette poudre avec ladicte paste elle a cette vertu de taciturnité: si bien que qui en mange ne confesse iamais.'[630] At Forfar in 1661 Helen Guthrie and four others exhumed the body of an unbaptized infant which was buried in the churchyard near the southeast door of the church 'and took severall peices therof as the feet hands a pairt of the head and a pairt of the buttock and they made a py therof that they might eat of it that by this meanes they might never make a confession as they thought of their witchcraftis.'[631] Here the idea of sympathetic magic is very clear

slight verbal alterations in the two MS. accounts of her confession suggest a confusion between the two ideas; the one appears to refer to the mark the other quoted here to the sacrifice: 'Such witches as have sharp bones given them by the devill to pricke them have no pappes or dugges whereon theire devil may sucke; but theire devill receiveth bloud from the place pricked with the bone; and they are more grand witches

young manwitch Isaac de Queyran told de Lancre that the witches sat at a table with the Black Man at the end and had bread and meat which was spread on a cloth.[562] The evidence at the trial of Louis Gaufredy at Aix in 1610 gives other details though the eating of children's flesh is probably an exaggeration

earliest account of the ceremony is at Chelmsford

sacrificial nature of the act is Cooper

infallible rule that euerie fortnight or at the least euerie moneth each witch must kill one child at the least for hir part.'[626] Sinistrari d'Ameno writing about a century later says the same: 'They promise the Devil sacrifices and offerings at stated times: once a fortnight or at least each month the murder of some child or an homicidal act of sorcery.'[627] It is impossible to believe in any great frequency

interesting case is that of the Rev. George Burroughs

same author quotes from the French authorities the crimes laid to the charge of witches among which are the following: 'They

soient baptizez par le moyẽ d'vne grosse espingle qu'elles leur enfoncent dans le cerueau.'[622] Boguet's words imply that this was done at every birth at which a witch officiated; but it is impossible

young black man ... and asked her for bloud which he drew out of her mouth and it dropped on a paper'.[605] At Auldearne in 1662 the blood was drawn for baptizing the witch; Isobel Gowdie said 'The Divell marked me in the showlder and suked owt my blood at that mark and spowted it in his hand and sprinkling it on my head said I baptise the Janet in my awin name.' Janet Breadheid's evidence is practically

animalsubstitute for the divine victim is usually

other ceremony of signing the contract the blood serving as the writing fluid; it also seems to be confused in the seventeenth century with the pricking for the Mark but the earlier evidence is clear

main facts are practically

most detailed account of such sacrifices is given in the trial

earliest example of the religious services occurs in 1324 in the trial of Lady Alice Kyteler: 'In rifeling the closet of the ladie they found a Wafer of sacramentall bread hauing the diuels name stamped thereon in stead of Jesus Christ.'[584] According to Boguet 1589 the Devil did not always perform the religious service himself but mass was celebrated by a priest among his followers; this custom is found in all countries

vous ou vous mourrez.'[632] Boguet says that in the Lyons district in 1598 the Devil celebrated mass and 'apres auoir prins la figure d'vn Bouc se consume en feu & reduit en cendre laquelle les Sorciers recueillent & cachent pour s'en seruir à l'execution de leurs desseins pernicieux & abominables'.[633] In 1603 a Belgian witch Claire Goessen was present at such a sacrifice and her account is therefore that of an eyewitness

ancient religion many of the beliefs and rites of these early religions are to be found in it

great scandall of witchcraft and being incarcerat in the Tolbuith of this burgh during her triall before the Justice died in prison The Comission of the Generall Assembly having considered the report of the Comittee appointed for that purpose Doe give their advyse to the Presbyterie of Dumfermling to show their dislike of that fact of the buriall of the Lady Pittadro in respect of the maner and place and that the said Presbyterie may labour to make the persons who hes buried her sensible of their offence in so doeing; and some of the persons who buried hir being personallie present are desired by the Comission