To Waiver or not to Waiver
Waiver RequirementsMost Participant Liability Insurance Policies now require that participants sign waivers. These waivers vary from policy to policy, and their legal implications vary jurisdiction to jurisdiction and case by case. If the participant is a minor, a parent or legal guardian must sign the waiver. Generally, waivers are used when there is a risk of being held responsible for something that should not be your responsibility. In the case of sports, it is a known that accidents do happen.All participants, parents and legal guardians know this prior to registering.
The waiver is primarily a proof that the participant acknowledges, understands and accepts this risk, and as a consequence has waived the right to hold the sports organization responsible should an accident occur.Are you really waiving anything?The legal implications of waivers can be somewhat different. As liability suits generally take place in state or provincial courts much variance exists between the jurisdictions. However, most do adhere to the rule that you cannot sign away your rights. So if the accident is due to negligence, the participant may, in some cases, be able to hold the organization liable regardless of the waiver.Further, many waivers are incorrectly worded and in some jurisdictions, these wordings may even be illegal. This is the case for all jurisdictions that forbid a parent or legal guardian from waiving a minor's right or in the case the law holds one party strictly liable for certain acts regardless of any waiver.Other elements that will affect the legality of waivers include when a hardship is placed on those who will not sign the waiver, where the organization is for profit, the age of the participant, cause of the injury, and where the person signing the waiver adds terms such as "under duress".How do you proceed? If you are a participant, read the waiver and if you are in agreement sign it.
Behave in a responsible manner, and assume that the waiver has waived your rights and therefore it is up to you to behave in a prudent manner. If you are the coach or part of the organization, read the waiver and if you are in agreement have your players sign it, then, behave as if no waiver or insurance is in place. Personally check the field and facilities for things that may cause accidents, and do not hesitate to call the game if you believe people are going to be injured. Form and ContentThere is no guarantee of a summary judgement, but improperly worded waivers are almost guaranteed rejection. Insureds should rely on their own insurance and legal counsels when preparing the waiver and process for actual use.Guidelines for preparing waiversKeep wording as clear as possible.
Keep form to one sheet and to a single purpose. It can be confusing if it is part of a ticket or registration form. Make the form a serious legal document with red ink, use of legal seals, bold print and headings. The title should be bold, large, and obvious that this is a waiver of important rights. Make it clear that the signing participant understand and accepts that the risk of serious injury exists, whether from a known risk or unknown risk.
Put all phrasings in first person ("I acknowledge?I accept"). Specify that the waiver also applies to negligence (liability through breach of a duty of care). Include specific risks only if they are unusual and relevant. The release of the insured (and all who act for the insured) should be on behalf of his/her heirs, assigns, and next of kin. To document their assumption of risk, have minor participants sign prior to their parent or guardian.
Have the parent/guardian release and indemnify the insured, as well as agree to the participation of their minor child. Have your waiver and related procedures reviewed by your insurance broker and lawyer. Finally, even summary judgements entail legal expenses. Be properly insured. http://www.baffincommercial.comCopyright (c) 2003 Baffin Commercial.
The Coach Connection Partners with Count-Me-In For Women's Economic Independence -- Business Coaching Helps Women Grow Their Businesses
Fort Myers, FL (ContentDesk) March 8, 2006 -- The Coach Connection (TCC), an international coaching company based in Fort Myers, Florida was recently selected by Count-Me-In to provide professional business coaching to women business owners, assisting their Make Mine a Million Award recipients to take their businesses to greater success.
Count-Me-In, a non-profit organization founded seven years ago by well-known "Take Your Daughter to Work" founder Nell Merlino, assists women business owners by providing access to business loans, consulting, coaching, mentoring and training. The last U.S. census reported that women owned nearly 50% of the nations privately held businesses, but four times as many men owned companies generating in excess of $1 million in annual revenues.
Backed by large corporations including Open, a division of American Express, Count-Me-In has partnered with The Coach Connection (TCC) to narrow that gap.
Count Me Ins choice of The Coach Connection...
The Coach Connection Partners with Count-Me-In For Women's Economic Independence -- Business Coaching Helps Women Grow Their Businesses
Suits > The Coach Connection Partners with Count-Me-In For Women's Economic Independence -- Business Coaching Helps Women Grow Their Businesses
Gemstone Jewelry
Women love to wear jewels that satisfy them and assure them of their eternal power and beauty that they possess. Apart from diamond, silver, gold and platinum, gemstones jewelries are also getting popularity among women because of their myriad color and radiance which equally bring out the best in its wearer.
It is also a strong believe that gemstones jewelries greatly affect us if worn according to the astrological believes and thoughts. Some people are also of the opinion that gemstones available in different colors and patterns can lay their positive effect on us that may results into the change in the thinking pattern and behavior of its wearer. So, the positive effect of these stones also attracts people to wear them according to their birth number or month or their zodiac sign. You can actually see a whole lot of ornaments available in gemstones in the market today.
There are a whole lot of variations available in gemstone jewelries.
Choose...
Gemstone Jewelry
Suits > Gemstone Jewelry
Investment Property or Income Property?
If you are a young professional aspiring to be wealthy and looking for extra income opportunities, then you have probably checked out the real estate market.
Many are making a fortune through real estate by cashing in on their investment property.
At this point in your career, you have two real options you should consider.
You could buy an investment property and hope to cash in on the property in the future, or you could look for an income property that will offer profitable cash flow from month to month.
Let's take a look at the advantages and disadvantages of investment properties and income properties.
Income Property
The methodology behind investing in an income property is focused around making money now. Not everybody can invest money in real estate and hope for a huge return 15 or 20 years down the road. For investors that don't have a...
Suits > Investment Property or Income Property?
Affordable Health Insurance ? Securing Lives the Better Way
Life can never be secured. One moment you are enjoying your life and the very next moment something bad happens which can leave a lasting impact on your life if not treated properly. It can be an accident or illness or any other reason. These reasons give rise to necessary and unavoidable medical expenses. As the cost of medical care is increasing day by day, it is not possible for every person to arrange the required finances at such small intervals.
An affordable health insurance can help you to meet the cost of such expenses in midst of hard times.
A health insurance is a legal agreement between the insurance provider and the consumer in which the insurance provider promises to support the medical expenses of the consumer. It covers medical expenses occurred such as hospitalization, prescribed medicines, annual check ups, doctor's fee etc. A health insurance serves the needs of a wider segment of consumers and can be categorized into following forms:
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Suits > Affordable Health Insurance ? Securing Lives the Better Way