What to do in the event of a maritime accident   Report and document your accident and injury Immediately report your accident and injury to a superior on your vessel, rig or job site, such as the captain, toolpusher, your supervisor, foreman, or the safety man. If that isn’t possible, let your co-workers or other […]

What You Can Do After an Accident • Call the local or state police and wait at the scene of the accident for them • Request an ambulance if someone needs it • If your vehicle is in the way of traffic and you can move it, do so, but, if you do, tell the […]

Medical care for workers under the Longshore and Harbor Workers Compensation Act (LHWCA) Workers who are injured on the job and are covered under the LHWCA have the right to choose their own doctor. For this reason, you do not have to be treated by the doctor that your LHWCA employer or its insurance company […]

Flood Insurance While there are a few exceptions, the vast majority of homeowners, renters and business property insurance policies DO NOT COVER FLOOD LOSSES. To protect your home or business in the event of flooding from heavy rains, hurricanes, tropical storms and other conditions, including flooding generated by storm surge, you must purchase a separate […]

Homeowners Insurance For most people, your home is your biggest asset. Understanding what your homeowners insurance policy does – and does not – cover is key to protecting that asset. A typical homeowners insurance policy provides coverage for damages caused by common perils such as fire, wind and hail. Most homeowners policies DO NOT cover […]

Why You Need Uninsured Motorist Coverage. Too often people injured in auto accidents are not adequately compensated for their damages by the person responsible for the accident. This is because many people drive without any automobile liability insurance coverage or with only the minimum amount required by state law. Therefore, when buying auto insurance, it […]