Get the Maximum Protection With CPP Insurance
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Get the Maximum Protection With CPP Insurance

There’s nothing worse than missing coverage for an unfortunate event that affects your business. Many insurance programs handle the bare minimum, while others offer coverage for scenarios that don’t align with your business model. The best results call for a policy that works with your organization. Thanks to CPP insurance plans, you’ll have backup when you need it most.

Coverage That Counts

For smaller and midsized businesses, a Commercial Package Policy makes sense thanks to their flexibility and customization. After choosing the coverage options that are right for your company, a CPP combines them into one interconnected plan. This has significant advantages over Business Owner Policies since BOPs can incorporate other options that aren’t relevant to every field.

According to https://www.dsayles.com, there are a variety of options to choose from, letting you design a custom policy that works with you. Possible coverage areas include:

  • General liability
  • Property insurance
  • Auto insurance
  • Equipment breakdown
  • Crime
  • Business income

Incorporating all forms of coverage that might affect your business will ensure you’re protected even in the most unlikely of circumstances. There’s no reason to pay for coverage you will never use or to settle for policies that won’t protect you in emergencies. Choosing CPP insurance plans may make the difference between a terrible catastrophe to your bottom line and a slight setback towards a promising future.

Litigation Problems Involving Negligence
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Litigation Problems Involving Negligence

Companies or professionals who want protection from claims or assertions of negligence in the administration of contractual duties should purchase an errors and omissions (E&O) policy. The financial loss that can accompany successfully litigated E&O claims can devastate any company, and reputational damage is equally destructive. As noted by the experts at Transparity Insurance Services, a small business or professional working in a self-employed capacity have the greatest risk of financial detriment.

Common Claim Areas

There are few areas that present the greatest liability when dealing with the potential for claims or allegations of negligence of duty. These generally include:

  1. Inadequate or Insufficient Documentation or Communication
  2. Failing to Represent or Present Information Accurately
  3. Misleading Clients on Professional Qualifications
  4. Breach of Contract or Duty

Because many of these areas can take a subjective approach based on the claims of a client, one of the best ways to protect against long-term loss and damage is through a comprehensive E&O policy. This can help with the financial need for securing legal counsel, paying legal fees, or paying settlement amounts in the event a lawsuit is brought against an individual or company. Some policies also include reputation management consultation and lost pay due to court appearance requirements. Carefully documenting client interactions and decision-making is another to help establish a strong defense if litigation is ever pursued.

Reducing Your Operating Liability When Working to Help Others
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Reducing Your Operating Liability When Working to Help Others

Reducing Your Operating Liability When Working to Help Others

 

Even though the idea of running a non-profit is associated with a service or product that helps humanity, the corporation itself isn’t immune to problems of litigation and unhappy consumers. The experts at David Sayles Insurance warn about three potential areas where some may claim loss or harm, and non-profit lawsuit battle ensues.

 

Three Potential Claims

 

There are three primary claims that will be made against non-profit organizations, and these include employment law claims, contract disputes, and personal injury claims. These claim areas aren’t novel to just non-profits, but usually, they are ignored when pursuing a liability insurance policy. Major corporations and businesses that operate under a different structure will carry additional coverage to make sure their finances are supported in the event of a claim.

 

The Best Defense

 

The best way to defend your organization from a devastating lawsuit is proactive in addressing the areas of risk. Not only should your company purchase the right insurance policy, but you should follow strong business practices devised according to a risk management plan. Keep well-documented paperwork for contracts, donations, employee records, and other areas of importance. Establish a safe working environment and ensure that the activities you sponsor are well-covered by insurance, and only work with vendors who also carry strong insurance coverage. Reducing your areas of liability can help you avoid costly legal battles.

Love: The Spoken Word of Tshombe The Poet

“Black Pearl”, the title of one of Tshombe, the Poet’s hip-hop songs speaks of love – a woman with silk smooth skin, the daughter of Sheba. He speaks of her body, each part, and the strength that he gets – her lips that spread truth, the wisdom that stimulates his intellect. “You are the foundation.”

 

He talks about her as his destiny…that this woman holds the key to his redemption. How could he possibly forsake her? She stood by him as he failed in his efforts to become great. She is strength. All she asks for in return is his respect and to be honored by him. She will give him everything for the dignity she deserves.

 

Although this message seems to be quite personal and intimate, between Tshombe, the Poet, and this woman, who he extols as his “life”, it is a universal message, speaking to all who receive and give love yet perhaps don’t truly value the gift that they have been given. In his own way, he is reinforcing the values of matrimony – to honor, to respect. And that is what his love is asking of him, as all woman want from their partners.

 

“Black Pearl” is a wonderful message for all who are open to listening to Tshombe, the Poet.

 

Tshombe The Poet: About Face in the Digital Age

Tshombe the Poet takes us into the 21st Century, musing over how the digital age has transformed us, as we’re lost in the .dot coms where the “mouse has us trapped”! What a clever play on words as Tshombe brings to life our dependency on computers, smarphones, and iPads – connected like an umbilical chord to these devices. Thumbs clicking away on Facebook, Twitter, Tumblr and other social media platforms to stay connected, all the while disconnecting from the fabric of our lives.

 

Tshombe reminds us that we are looking for love in the all the wrong places, “more concerned about how our faces look in Facebook”. Think about it: Every time you upload a photo, take a video, what are you saying to your virtual world? What are you showing? The real you? The virtual you? Tshombe, the Poet, has us looking inward as to what we’re really aiming for, a life of real connection or one that has a screen between us and others.

 

All of his commentaries are set to riffs and sounds – verbal jazz as he calls it – that are meant to sometimes offset the strong messages he is conveying while at other times designed to underscore the meanings of his words. Each of his words has been carefully chosen. His voice is mesmerizing, its depth soothing, while the words he speaks can be quite cutting. You are left with an experience that leaves you wanting more.

Tshombe The Poet Takes on Plight of African Children

In his song, Kai (Life), Tshombe The Poet speaks of the degeneration of this generation. He speaks of greed and self-loathing and how we have turned our backs to the real meaning of life. He also speaks of the plight of African children and makes reference to the diamond trade and the need for “ice”.

 

“African children digging in mines instead of developing their minds, so they sing freedom songs as they are made to be slaves for the sake of blame. So that our wives can show us how much we love them through the size of their rings”. This is a verse from “Kai” that Tshombe so eloquently reveals, capturing the real essence of the moral breakdown we face when children are not being educating but instead are mining for ice so that we who have riches can don rings, necklaces, and bracelets made of gems mined by the hands of our young.

 

His poetic brilliance, which is both simple and complex, set against a jazzy soundtrack and his ability to bring his commentary to life sets the tone for reflection…perhaps discussion, even movement. He reminds us of what life should be about, not what it is, especially for the disenfranchised, such as the homeless and the “child that feels the pain when there is nothing to eat”.

 

Tshombe, the Poet, reminisces in “Kai” when it was just about “we”. Now it’s just about “I”, he says. It’s a call for community, for that village that once was.

 

Tshombe The Poet Speaks Truth: Are You Ready To Listen?

Tshombe Sekou, Tshombe The Poet, is part of a small group of North American independent artists who have taken poetry to a new level. He has the unique ability of expressing his innermost thoughts in a way that is reminiscent of both ancient philosophers and great thinkers like Krishnamurti and Khalil Gibran.

 

With ocean sounds and drums beating in a melodic rhythm, Tshombe brings us into his world of truth through uncensored thought-provoking commentary. He refers to his style as verbal jazz, combining his love for jazz and poetry and his life’s experiences into one-verse.

 

“Life is a gift”, he says, and speaks in metaphors to deliver his message. His deep voice resonates with his listeners as they are encouraged to lay back, stay a while, and think about what he is saying.

 

In the song Kai (Life), he extols what life is about and how so many of us have lost our way, no longer “meeting the beauty of the birth of a new sun”, but getting caught up by the lines of lies we are snorting, becoming greedy, and getting high on our own supplies. We change our clothing, he says, and mask ourselves pretending to be someone else because of our self-loathing. All the while as we listen to these challenging words we’re lulled by background music that is soothing and comforting.

 

The juxtaposition of his deep voice and scathing commentary (albeit with metaphors that delight) on humanity set against music that is meant to soothe is not lost upon the listener. You want to continue to listen, to hear what Tshombe, the Poet, has to say. To see if you agree – or disagree. To ponder over his message and then listen again to fully realize where you stand.

 

He takes on big issues – the treatment of woman, drug abuse, apathy, lack of education, and so many other social issues – all set to a beat and a poetic rhythm that prevents you from hitting stop.