Before the United States government got legislation passed relating to environmental issues, it had not been considered necessary to have environmental insurance. In fact there wasn’t a specific product in place, other than regular liability insurance and in many instances environmental issues, such as pollution were generally excluded. However, the environmental legislation was fully enforced […]

To some extend the name environmental protection insurance gives a clue as to what this type of insurance is, but actually it’s a little more complex. It to some extent is a cover all policy. Instead of being specific; for example a contractor’s pollution policy covers contractors, it covers all types of companies involved in […]

Just because you have contractor’s liability insurance, don’t make the assumption that it covers environmental incidents. Indeed, you may be surprised to learn that many policies actually exclude environmental pollution incidents. Whether you are a contractor or subcontractor, get your liability insurance policy out and take a read. If it doesn’t cover pollution then you […]

If you are involved in the building and construction business, then contractor’s pollution insurance is essential. Even more important is that you ensure your policy clearly includes mold cover. It may not seem a big issue, but there have been many examples of claims relating to mold where the company concerned has found that mold […]

Unless you are involved directly with the insurance industry, the chances are you always find a policy wording to be very difficult to comprehend. Many people feel it is written difficultly so policy holders can’t work out what’s not covered. While it may seem this is the case, it’s not; it simply is that an […]

Most laws in the U.S. are legislated for at federal level, but the laws governing divorce are mainly legislated for on a state by state basis, although in recent years there has been greater federal involvement. Many divorce laws in one state are the same or similar to divorce laws in other State, but if […]

If you have a website and have not yet read the Information Commissioner’s Office (ICO) guidance to the new EU cookie laws then we suggest you do so. Website owners / publishers have until May 26th 2012 to comply. The ICO has powers to fine website owners up to £500,000 for serious breaches! This law […]

When suffering a serious injury, it can often be a very distressing and physically difficult time. If a person has suffered an injury to another individual(s) or entity’s negligence, the experience can be even more difficult. This is due to the fact that not only is there recovery to think about, but also because there […]

Step 1: Is your invention patentable?

To get a U.S. patent, you must file an application with the U.S. Patent and Trademark Office. A patent application is a complex legal document, best prepared by one trained to prepare such documents.