Employer’s Liability Insurance, Do I Need It?


Employer’s liability insurance is a type of coverage for companies that secures them from significant financial loss if an employee experiences an occupational injury or illness that employees compensation does not cover.

Employer’s liability insurance can be packaged with employees settlement insurance to further protect companies against the expenses connected with office injuries, health problems and deaths that aren’t covered under employees settlement. Employer’s liability insurance coverage is also called “part 2” of an employees’ compensation policy.

Many staff members are covered by workers compensation laws that are developed at the state level (one exception is federal employees). States require most companies to have workers settlement insurance, which offers some level of medical costs and lost salaries to staff members or their recipients when a worker is injured, sickened or killed by job-related causes.

There is no requirement for a staff member to take legal action against the company to develop fault in order to receive workers settlement. If a worker does not feel that the workers payment effectively covers their loss– possibly because they feel their company’s carelessness caused their injury– they might choose to sue their company, making punitive claims for pain and suffering.

Employer’s liability coverage is developed to cover these types of expenses, which aren’t covered by the employees payment or by a basic liability insurance plan.

If a company purposefully causes an employee’s work-related injury or health problem, company’s liability insurance coverage will not cover the employer’s monetary responsibilities to the worker, and the employer will have to pay the employee out of its own pocket if the employee wins in court.

Employer’s liability insurance coverage policies likewise put limits on what they will pay out per staff member, per injury and per health problem.

Be sure to visit this website to find a great employers liability insurance quote.

What is a Personal Injury Lawsuit, and Do I need a Lawyer?


People often get overwhelmed when they hear a title such as Personal Injury Solicitor, however in reality they are here to help. Here are some of the things that they can assist you with.

Often, the skills of a skilled injury attorney– or at least the risk to an insurer that such a lawyer might offer– deserve the cash you should pay that attorney to represent you. You might require an attorney due to intricate and complex lawful guidelines involved in your certain claim, or due to the fact that the severity of your injuries might cause your settlement to vary significantly from the norm– or just due to the fact that an insurer refuses to settle an issue.

Your mishap settlement is primarily calculated out by just how bad your injuries were. The extent of your injuries is determined by the amount of your clinical expenses, the sort of injuries you have, and how long you are unwell. As the amount of your potential payment increases, the array within which that settlement could fall ends up being broader. In such cases, it may be worth the expenditure to have an attorney handle your case and see to it you obtain the greatest settlement possible

If you have experienced an injury or illness because of negligent, unprofessional, or inept treatment by a physician, registered nurse, healthcare facility, clinic, lab, or other medical carrier, both the medical inquiries and the legal policies entailed are complex. They probably require that you work with a lawyer experienced in clinical negligence cases.

If you’re looking for a great solicitor look no further than personal injury solicitors Tiernan & Co.

All Time Favorite Music Often Played on Radio


Over the years, technology has changed the way we listen to music. There was a time when the phonography was the only source of music for households. Could you imagine the bulky phonograph that consumes a lot of space which was actually treated as a decorative piece at the same time?

One of the things that made music accessible to many fans is via the radio. No longer do you have to go to live shows or store discs around the house to listen to different varieties of music. Over the years, radio technology has also changed from transistor radios to the internet radio that we have today.

There are a lot of artists that benefited from the radio as well. Here are some of the favorite music that have been played on radio throughout history.

“Hey Jude” by the Beatles

Hey Jude is a song by the fab four. It is their longest running top hit for the Billboard countdown. It was the very first single from the album made on the Beatle’s Apple label. Not only is Hey Jude the longest in terms of running time, it also lasted for nine weeks on the number one spot.

“Physical” by Olivia Newton-John

During the 1980s, Physical was a song that was a breakthrough. Though it is rather tame in today’s standard, it was one of those songs that were able to break the standards of 1970s to 80s radio. It was a bit uncomfortable to listeners, but it was catchy at the same time.

“Macarena”  by Los Del Rio

Yes, it’s the catchy song from the mid-90s that made everyone dance. The Macarena was a hit on the radio that everyone can still remember the dance move of this catchy song. This song was even translated to English which further immortalized the hit on the radio.

“I Gotta Feeling” By the Black Eyed Peas

Black Eyed Peas during their peak in the early to mid-2000s was able to make such memorable hits from “Boom Boom Pow” to “Where is the Love”. “I Gotta Feeling” was hit that surpassed “Boom Boom Pow” in its stay in number one spot. “I Gotta Feeling” stayed in the number one spot on the radio for 14 weeks.

“How Do I Live” by LeAnn Rimes

During the late 1990s, LeAnn Rimes was at the peak of her career. “How Do I Live” was a hit after the movie Con Air made it as its soundtrack. Who could forget that movie when Nicolas Cage was an ex-soldier who became an inmate aboard a hi-jacked prison plane? Nicholas Cage and LeAnn Rimes, how 90s can this get?

“Smooth” by Santana and Rob Thomas

Santana made it a point to make his comeback a memorable one. But on his album “Supernatural” he made an impact the most with Rob Thomas with the single “Smooth”. Catchy solos and deep voice, people tuned in to this song for weeks.

What are the hits that you’ve listened to for the past years? What songs bring back memories?

Fun Facts About Broadcast Radio


Broadcast radio has changed the way we live. Over the years, broadcasting has changed the way information is spread. Just by listening to the radio, it has become the means of getting information such as news and other public announcements.

These days, the same concept is used but via the internet. Podcasts make it possible for us to listen to opinion, news, and even entertainment. However let’s take a moment to appreciate what broadcast radio has done.

It is still among the strongest medium for information dissemination

Though there’s TV, internet and other modes of broadcasting information, radio remains a relevant option. In the US, it has 54% of the country’s population tuning in. That is more than half of the entire US population. On the other hand, you have 75% that goes to television shows.

It is here to stay

Through the years, broadcast radio in different parts of the world is still a widely used tool to spread information. A lot of people are still tuning in which brings in a good amount of money on radio stations. According to statistics, Millienials are still actively listening to the radio. 92% of Millenials in the US are still listening to this somewhat old form of spreading information. The same is true for Baby Boomers and those in Generation X.

Different things broadcasted on Radio

The radio has a number of popular shows. Among the top use of broadcast radio is to tune into hit radio. Yes, despite the fast changing attitude of listening music to Apps, a lot of people are still tuning into the radio for their music.

Radio stations are earning money

With advertisers interested to hit their market, the radio stations are still making money from their radio shows. US radio’s estimated revenue is at $13 billion. Radio advertising in the US is at $17 billion in 2015. Worldwide, advertisers spent around $31.27 billion on radio to get their product on the map.

If you think that radio is an irrelevant option, you want to reconsider that thought. Though there’s the internet and television, radio can still attract a good number of audience whether it’s the older individuals or the Millenials tuning in for their radio hits.

What could be the reason why radio remains relevant in today’s time? Radio is an inexpensive equipment that anyone can enjoy. You can listen to radio stations on the internet these days.