What Type of Insurance Coverage for the Amazon Vendor?

If you are involved in e-commerce by selling online, you might realize that you face similar risks as other business. Those involved in the Amazon marketplace are required by the company to obtain a certain amount of business coverage up to $1,000 per occurrence:

• Commercial general liability insurance

• Bodily injury insurance

• Personal injury insurance

• Property insurance

Amazon vendors need to realize that this is limited coverage that will not protect them if losses necessitate a larger claim. Like any business person, those involved in e-commerce need to assess their needs and acquire appropriate related insurance protection.

General Liability

General liability insurance is a basic coverage for the online seller – as it is traditional brick and mortar retail outlets. It is there to protect your business from liability to:

– Injuries

– Negligence

– Accidents

If a related lawsuit occurs, this insurance can pay for payment you are judged to pay and legal expenses.

Products liability coverage generally is tied to this policy. It protects the manufacturer or seller in regard to bodily injury or property damage to a third party that occurs because of a faulty product.

There are instances, however, when this form of coverage does not help. Why? In the event a seller is not rated appropriately and files a claim, he or she may get a ‘no’ from the insurer.

Take the case of Mary – an Amazon vendor that successfully sold skin care products to an online market.

All was fine, business-wise, for Mary until the fateful day when a consumer sued her in relation to a serious skin flare-up credited to the creams sent to her by Mary. When Mary filed a claim, she was in for a shock: the insurance company denied coverage because her policy was wrongly rated as an internet retailer. As someone that placed her company labels on her creams, she should have been rated ‘a manufacturer’!

Too bad her agent did not catch the mistake! The financial consequences had a far-reaching effect, eventually forcing her to file for bankruptcy.

While this spells out the urgency of being on the lookout for problems with a policy, there are other forms of coverage that an Amazon seller needs to be highly cognizant of.

Other Policies for the Amazon Seller

One of the chief concerns any Amazon seller has is the possibility of being suspended from the Amazon network of sellers. If this occurs, the loss of income can be substantial. Amazon Suspension Insurance Policy is the number one coverage that is recommended for the industry across the board.

Other insurance policies to consider are:

• Business Auto

• Workers Comp

• Umbrella/Excess

• Cyber Liability

• Ocean Marine

• EPLI

Of course, nothing takes the place of speaking to an insurance professional that will steer you to a tailored insurance program made for you.



Source by M Wyzanski

Truck-Based SUV's – DTO, DTS

Large SUV's built on truck chassis present a serious danger to others (DTO) on the road. A truck-based SUV provides about 5% greater safety for its occupants than a car does in a front, rear, or side crash, and deals about a 300% greater risk of death to the people in any vehicle it hits. The Insurance Institute for Highway Safety looked at deaths per million miles driven and found that large SUV's involved in two-vehicle accidents inflict far more damage on other vehicles and their occupants. The reason is simple physics.

Full size SUV's and pickup weigh about 1000 pounds more than the average car. A vehicle that weighs a half ton more delivers a far greater destructive force on impact. Add to that a significant difference in the vehicles' construction. SUV's and pickups are built with stiff frame rails. When an SUV or truck rams another vehicle, it does not give. It transfers the force of impact to the other vehicle. Cars, minivans, and small SUV's built on car frames are designed with energy-absorbing structures. They're built to absorb and the force of impact, and because the SUV is not, the smaller, more flexible vehicle absorbs more force.

SUV's are taller than cars, with higher road clearance, and their height makes them more dangerous to other cars. The modern car bumper is a superbly designed energy absorption system. But in front and rear end collisions, the tall SUV is likely to ride up over the other vehicle's bumper. When the SUV rides over the bumper and pushes its way into the engine compartment or the trunk, the bumper's energy absorbing value is lost. In side crashes, the SUV's height means it can ride over the car's door-frame and T-bone directly into the passenger compartment.

In rollovers, SUV's are also DTS, danger to self. Large SUV's are at much higher risk of rollovers than other vehicles. Again, it's simple physics. Its height and resulting high center of gravity make it much more likely for the vehicle's rear end to fishtail, or slide sideways in a tight turn or an emergency braking maneuver. The SUV's height and high weight distribution means that once the vehicle is moving sideways, it's much easier for it to flip and roll over once or multiple times.

When a pickup or SUV rolls, it poses its occupants to much more danger of roof crush, the collapsing of a roof under the weight of the vehicle. Physics again: The vehicle's weight, including that extra thousand pounds, is now on top, crushing down on a roof that too often is simply not designed to support it. Most pickup and SUV roofs are not unibody construction. The incremental cost of a unibody roof and sturdier metals would run about $ 50 per vehicle, but manufacturers have chosen not to make this simple improvement.

If you or a loved one has been seriously injured, or your loved one has been killed in a crash involving an SUV, you will want to consult with an experienced SUV crash attorney to determine whether you may have a case against the manufacturer. It is important to do this as soon after the crash, to insure that the SUV involved is not destroyed, as it will be vital evidence in your case.

Your SUV attorney will want to have an automotive design safety expert examine the vehicle. In rollover cases, particularly consultants and experts help your attorney put together the most accurate and case for presentation to an arbitrator or a jury.



Source by David S. Casey Jr

Airport Parking and Vehicle Servicing

Parking your car at any airport can be a stressful time and even more so at Heathrow Airport the UK's busiest airport. If you are going on holiday or away on business and are flying from Heathrow Airport, you need a company who will take the stress, worry and hassle away by offering an excellent, professional and personal unique service combining airport parking & providing your car with a part or full service while you are away.

People incur numerous problems when parking their car at an airport including: Booking a local parking facility prior to their trip away not to mention the high costs involved especially in peak season, making your way to the terminal can be a task in itself. Waiting for the for the shuttle at both the beginning and the end of your trip and last but not least returning to your car after your holiday to find it is covered in dirt and dust or worse still does not even start.

Call a company who take clients directly to the terminal building before taking the clients vehicle to their fully equipped car servicing and storage facility located only minutes from London's Heathrow Airport. Search Google for a Company who will then proceed to carry out all the necessary repairs, maintenance or car servicing required by you. You should rest assured that your car is in good hands and securely stored at their secure concessions. All vehicles should be returned to clients in a pristine and excellent working order including a safe journey home. This takes all the hassle out of parking at the airport. Find a Company who offer a complete professional service dedicated to your individual needs and offer a complete range of services to all major makes and models of car.

These unique meet and greet services offer free collection and delivery while you have peace of mind that your car will be delivered personally to you so you do not have to worry about it getting scratched, damaged, dirty or unable to start so you can enjoy your holiday. If you wish to take advantage of this unique service and have you car serviced while you are away,



Source by Amy L Cook