UFOs & Evolution The alleged presence of little green men from outer space and the distinguished scientists who espouse molecules to man evolution seem to have nothing at common at first glance. However, for those of you who have watched the movie "expelled: no intelligence allowed" starring Ben stein, the relationship is clear. FamousHarvard evolution apologist Richard Dawkins, actually proposed that the human race was seeded by aliens. This is not the first time UFOs have been identified with evolution. In fact, there is still a giant satellite dish scanning the heavens listening for any pattern of transmission from the cosmos. It is called SETI, which stands for the Search for Extra Terrestrial Intelligence. For years now, scientists have monitored space static looking for anything unusual. Anything remotely resembling a pattern or code gets instant attention. However, nothing but static has ever been heard and no E.T. ever seems to phone us. However, just imagine if late one evening, the following message was received by SETI: "Dear Earthlings, We have been monitoring your planet for years now. We have devised how to speak your language and beam it to you. We live on planet Dawkinopia, billions of light years away. We just wanted you to know you are not alone. Sincerely, Little Green Dawkinians " Pandemonium would ensue! Every news channel would cover it. So-callled experts would comment on what that means to humans on earth, and to our scientific and religious institutions. However, would anyone dare ask if their transmission from space was just random gibberish that just happened to sound like words? That, given billions of years of constant static beaming randomly, eventually something resembling a "message" with a salutation, punctuation, proper spelling, syntax and logical sequencing would just one day occur by accident. No one would do that! Clearly the message is too complicated to have just occurred randomly, regardless of time for unlimited attempts. However, that is what evolution does. It says over billions of years of random mindless attempts, DNA would be coded so that: A horned lizard can shoot blood three feet out it's eyes for defense; A baby kangaroo is the size of a coffee bean at birth and is raised in a pouch; A porcupine has thousands of sharp quills while a peacock unfolds a gorgeous display of delicate feathers; A camel can go weeks in the desert without water; A sea cucumber discharges it's insides to protect itself and then grows a new stomach; A bombardier beetle has two chemicals that mix just right to blow out burning chemicals for defense; And a human laughs, cries, writes and can appreciate art, music and logical arguments. Random? No. Richard Dawkins is right about one thing; an intelligence from the heavens did place man here. And even made an extra terrestrial visit... He is known as God and His Son changed my life. _________ See more of Mr. Peel’s articles oninsurance-coveragelaw.blogspot.com. Mr. Peel may be available to speak to your church or club. ContactPeelLawFirm.com. |
Ufos seen by evolutionists
Fraudulent Car Accidents
In today's Globe and Mail (October 4, 2010) it is reported that the Insurance Bureau of Canada is warning about a "concerning trend" of insurance fraud.
"There has been a rise in crashes that are orchestrated to claim lucrative no-fault insurance payouts and, to avoid detection, perpetrators are increasingly involving innocent drivers in their pre-planned collisions."
According to the article, "Toronto is the hotbed, with organized crime being linked to several staged accidents. Insurance industry investigators involved in a recent probe, dubbed Project 92, say they’ve identified more than 40 staged car accidents carried out by one particular crime ring alone, 17 of which have already been criminally investigated. Police have laid 291 charges against 39 individuals in the sting, 20 of whom have been convicted."
http://www.theglobeandmail.com/report-on-business/insurers-beware-national-watchdog-raises-alarm-for-fraud/article1740676/
"There has been a rise in crashes that are orchestrated to claim lucrative no-fault insurance payouts and, to avoid detection, perpetrators are increasingly involving innocent drivers in their pre-planned collisions."
According to the article, "Toronto is the hotbed, with organized crime being linked to several staged accidents. Insurance industry investigators involved in a recent probe, dubbed Project 92, say they’ve identified more than 40 staged car accidents carried out by one particular crime ring alone, 17 of which have already been criminally investigated. Police have laid 291 charges against 39 individuals in the sting, 20 of whom have been convicted."
http://www.theglobeandmail.com/report-on-business/insurers-beware-national-watchdog-raises-alarm-for-fraud/article1740676/
Figure Adequate Liability Insurance Limits
How about a way to figure out how much liability insurance a business should have?
I have seen many such formulas. I have never bought into any of them.
Here are the "normal" liability insurance policies for most businesses:
Auto Liability Insurance - Pays for bodily injury and property damage caused by a motor vehicle accident. Should include coverage for accidents caused by the operation of owned vehicles and non-owned vehicles (by an employee, for example). My Minimum Recommendation: $1,000,000.
General Liability Insurance - Pays for bodily injury and property damage liability. Most policies also include coverage for libel, slander, wrongful eviction, false arrest, and publication that violates privacy. Coverage applies at your locations, at other locations in the course of your business, for products liability, and for completed operations. My Minimum Recommendation: $1,000,000 each occurrence / $2,000,000 in the aggregate.
Employers' Liability Insurance - Part of workers' compensation insurance. Pays for bodily injury that comes from the employment relationship but excludes injuries covered under workers' compensation. The best way to describe this coverage is with an example. A boatbuilder comes home every day with fiberglass dust in his clothes. The dust gets into the air at home and in the clothes of the family in the laundry. A child in the home gets sick from the dust. That would be covered by employers' liability. My Minimum Recommendation: $100,000 (most umbrella insurers will require $500,000).
Employment Practices Liability Insurance - Liability insurance for acts of employment harassment, wrongful termination, failure to hire, discrimination, and other similar allegations. EPL policies almost always provide for defense cost coverage within the limit of coverage - increasing the amount of insurance you need. My Minimum Recommendation: $1,000,000.
Fiduciary Liability Insurance - Protects the fiduciaries, directors, and officers of employee welfare plans (group insurance, pension plans, 401k plans) against actual or alleged wrongful acts. Covers liabilities imposed by the federal law ERISA. My Minimum Recommendation: $1,000,000.
Directors' and Officers' Liability Insurance - Provides coverage for allegations of third parties for mismanagement, failure to act properly, and other "wrongful acts" against directors and officers. Coverage also can be included for the organization, known as entity coverage. Not all companies need D&O insurance. The coverage is necessary for non-profits and companies with diverse ownership interests. If you have a small company with 3 owners all active in the business, you can probably do without D&O. These policies almost always provide for defense cost coverage within the limit of coverage - increasing the amount of insurance you need. My Minimum Recommendation: $1,000,000. More coverage may be advisable depending on exposure to loss and the assets of the organization. It is also a value decision. Get quotes at a variety of limits and judge the value of the protection compared to the cost.
Umbrella Liability Insurance - Provides extra liability coverage above the general liability, auto liability, and employers' liability coverage. Also known as excess liability. Every business should have at least a $1,000,000 umbrella. There is no magic to this number. $5,000,000 is a more realistic minimum.
I know of a four employee, $200,000 sales contracting firm that accidentally burned down a $7,000,000 church. Not many insurance agents would have suggested beforehand that the contractors buy a $10,000,000 umbrella. Obviously, hindsight is 20/20.
You have to decide how high is up. Again, get quotes at a variety of limits and judge the value of the protection compared to the cost.
I have seen many such formulas. I have never bought into any of them.
Here are the "normal" liability insurance policies for most businesses:
Auto Liability Insurance - Pays for bodily injury and property damage caused by a motor vehicle accident. Should include coverage for accidents caused by the operation of owned vehicles and non-owned vehicles (by an employee, for example). My Minimum Recommendation: $1,000,000.
General Liability Insurance - Pays for bodily injury and property damage liability. Most policies also include coverage for libel, slander, wrongful eviction, false arrest, and publication that violates privacy. Coverage applies at your locations, at other locations in the course of your business, for products liability, and for completed operations. My Minimum Recommendation: $1,000,000 each occurrence / $2,000,000 in the aggregate.
Employers' Liability Insurance - Part of workers' compensation insurance. Pays for bodily injury that comes from the employment relationship but excludes injuries covered under workers' compensation. The best way to describe this coverage is with an example. A boatbuilder comes home every day with fiberglass dust in his clothes. The dust gets into the air at home and in the clothes of the family in the laundry. A child in the home gets sick from the dust. That would be covered by employers' liability. My Minimum Recommendation: $100,000 (most umbrella insurers will require $500,000).
Employment Practices Liability Insurance - Liability insurance for acts of employment harassment, wrongful termination, failure to hire, discrimination, and other similar allegations. EPL policies almost always provide for defense cost coverage within the limit of coverage - increasing the amount of insurance you need. My Minimum Recommendation: $1,000,000.
Fiduciary Liability Insurance - Protects the fiduciaries, directors, and officers of employee welfare plans (group insurance, pension plans, 401k plans) against actual or alleged wrongful acts. Covers liabilities imposed by the federal law ERISA. My Minimum Recommendation: $1,000,000.
Directors' and Officers' Liability Insurance - Provides coverage for allegations of third parties for mismanagement, failure to act properly, and other "wrongful acts" against directors and officers. Coverage also can be included for the organization, known as entity coverage. Not all companies need D&O insurance. The coverage is necessary for non-profits and companies with diverse ownership interests. If you have a small company with 3 owners all active in the business, you can probably do without D&O. These policies almost always provide for defense cost coverage within the limit of coverage - increasing the amount of insurance you need. My Minimum Recommendation: $1,000,000. More coverage may be advisable depending on exposure to loss and the assets of the organization. It is also a value decision. Get quotes at a variety of limits and judge the value of the protection compared to the cost.
Umbrella Liability Insurance - Provides extra liability coverage above the general liability, auto liability, and employers' liability coverage. Also known as excess liability. Every business should have at least a $1,000,000 umbrella. There is no magic to this number. $5,000,000 is a more realistic minimum.
I know of a four employee, $200,000 sales contracting firm that accidentally burned down a $7,000,000 church. Not many insurance agents would have suggested beforehand that the contractors buy a $10,000,000 umbrella. Obviously, hindsight is 20/20.
You have to decide how high is up. Again, get quotes at a variety of limits and judge the value of the protection compared to the cost.
The Simmonds' Business Insurance Index™ For October, 2010
Here's my read of the current marketplace for upcoming business insurance renewals:
Renewal Premiums: -5%
Renewal Coverages: Liberal Terms
Buyer's Outlook: Long-Term: Prices Flat
I have seen no real change in the insurance marketplace this month. I am, however, changing the premium part of the index to -5%. Since July I have shown "-5% to flat." I'm not convinced, in hindsight, that flat is really where the market has been / is. Competition still will push your premium down.
I was interviewed a few days ago for a business website. I said, "If an entrepreneur renews his insurance with the same agent and the same insurer with no "push-back," his renewal premiums will increase @5%. Renewing with the same agent/insurer with push-back will result in a slight reduction or a flat renewal. Competitive bidding will result in a 10 to 20% reduction in premium. The trick is how you manage the bid process."
I also talked about the magic of six words, "Is that really your best price?"
The writer expressed surprise that business insurance premiums are negotiable. They sure are. Most underwriters can increase or decrease base rates by 25%. That's a 50 point swing!
I have long said that a great deal of the discretionary part of premiums is dependent on how the insured appears to the underwriter. Is the insured an attractive risk? Does the agent present the account in a favorable way?
The insurance press continues to predict a soft market for the rest of this year. I agree. I am urging my bank clients to lock in the bond and directors' and officers' premiums for 3 years.
Prices will go up. The problem is predicting when. I do know that bringing competition into your renewal will improve your coverage and premium.
Renewal Premiums: -5%
Renewal Coverages: Liberal Terms
Buyer's Outlook: Long-Term: Prices Flat
I have seen no real change in the insurance marketplace this month. I am, however, changing the premium part of the index to -5%. Since July I have shown "-5% to flat." I'm not convinced, in hindsight, that flat is really where the market has been / is. Competition still will push your premium down.
I was interviewed a few days ago for a business website. I said, "If an entrepreneur renews his insurance with the same agent and the same insurer with no "push-back," his renewal premiums will increase @5%. Renewing with the same agent/insurer with push-back will result in a slight reduction or a flat renewal. Competitive bidding will result in a 10 to 20% reduction in premium. The trick is how you manage the bid process."
I also talked about the magic of six words, "Is that really your best price?"
The writer expressed surprise that business insurance premiums are negotiable. They sure are. Most underwriters can increase or decrease base rates by 25%. That's a 50 point swing!
I have long said that a great deal of the discretionary part of premiums is dependent on how the insured appears to the underwriter. Is the insured an attractive risk? Does the agent present the account in a favorable way?
The insurance press continues to predict a soft market for the rest of this year. I agree. I am urging my bank clients to lock in the bond and directors' and officers' premiums for 3 years.
Prices will go up. The problem is predicting when. I do know that bringing competition into your renewal will improve your coverage and premium.
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