Next Week Is Loss of Business Income Week

Pass the word to your friends and colleagues!



Next week I'll be posting every day on issues around loss of business income. This is one of the most misunderstood parts of property insurance - misunderstood by insurance buyers and agents.



I'll try to remove the some of the mystery.



Stay tuned.

Changing Insurance Agents

Earlier this week I helped a client fire their current agent.



My client had been working with the same agency for 20 years. In the past 6 years they have had three different service teams from the agency.



Other than that, there were no real service complaints.



We interviewed the current agent and three others as we tried to decide what to do for the upcoming renewal.



All 3 prospective agents made good presentations and offered advice and information not shared by the current agent. In the end, the decision was made to change agents because, (in the client's words) sometimes change is healthy.



The new agent is very excited to have a new account and is tripping over himself to get off to the right start. The client is looking forward to new blood.



Everyone has the expectation of a great result.



Of course, the old agent is not too pleased. I don't blame them for wondering what happened. They really did not do anything wrong.



As the client said, sometimes change is good. It doesn't mean that there are not wounds inflicted though.



I have no doubt that the change was the right decision. I write this to remind my agent readers that sometimes, despite your best efforts you still lose the account.



Agents, another lesson here is to figure out how to get honest feedback about how firm your relationship really is with your client.

Amendments to MMS

More commentary on the recent amendments to the MMS, by Jennifer Stirton.

2. Application of MMS Not Restricted to Motor Vehicles

The MMS previously provided that they applied only in respect of motor vehicles using highways. This provision has been repealed, which suggests that the MMS now apply to pedestrians and bicycles using highways. This may be a response to recent case law which held that where roads are kept in a reasonable state of repair for vehicular traffic, which can include MMS compliance, a municipality may not be liable to pedestrians injured while walking on the road surface. Holmes v. Kingston (City), [2009] O.J. No. 1838 (S.C.J.).

NOAH’S ARK: FAIRY TALE OR FANTASTIC VOYAGE?


Evolution vs. Creation PART 5 of 12




A story about eight humans and two of every kind of animal in one giant boat during a global flood? Sounds to most like a fairy tale.

As children, most of us saw renderings of Noah’s Ark as a little banana-shaped boat, with giraffe’s necks looping comically out the windows. Fluffy clouds with a cute rainbow always seemed to complete the picture. Evolutionists especially discount the story.

But the Bible seems to describe it as a real event, not an allegory or a parable. This has caused a lot of controversy, to say the least. Even more troubling for Christians who doubt the veracity of the Scriptures, is that Jesus Himself quoted it as fact:
“As it was in the days of Noah, so it will be at the coming of the Son of Man. For in the days before the flood, people were eating and drinking, marrying and giving in marriage, up to the day Noah entered the ark; and they knew nothing about what would happen until the flood came and took them all away. That is how it will be at the coming of the Son of Man.” —Matthew 24:37-39.
So, why not just believe it as written?

There are many arguments that are espoused against the story.

The boat was too big. In order to hold the animals, it would have to be very large. The size of the boat itself is given in Scripture (Gen. 6:15), and would measure at least 450 feet long and about 75 feet wide and 45 feet high. While this is the proportion of modern cargo ships, it would be an enormous wooden ship, at a length longer than a football field. However, there is no reason it could not have been built.

The animals would not fit. Actually, since the Bible only requires “kinds” (Gen. 20) there would be far fewer animals needed than most expect at two of all and seven of some. Probably about 15,000 animals total, and if they were juveniles or even eggs, they would be smaller. This would help out, especially on the dinosaurs that were called to the Ark.

There could not have been dinosaurs on the ark! Well, “behemoth” in Job 40, written after the flood, is what most of us think as long-necked dinosaur. His ancestors had to survive the flood, where most did not. Bones of dinosaurs are usually found fossilized in Flood sediment. Some had to survive. Juveniles of dinosaurs are small, and can breed in the future.

Animals won’t just come in to a ship. We still see inexplicable homing instincts and migration patterns even in modern animals. It is consistent with a supernatural God who controls the waves to guide the animals.

Eight people could not feed the animals. The most common answer to this argument (and the related amount of waste) is hibernation. This is practiced in many species even now. Whether God caused it, or it was just the normal response to the darkness of a moving ship, this seems quite plausible. Also, Noah was told to build rooms (“qen”—literally in Hebrew “nests”) in Genesis 6:14 seems to tell us they were nesting.

If they slept, who was the food for? Remember that there were seven of each clean kind. Surely, some of those produced dairy products, and possibly meat, for the humans. The clean animals had to eat something. Further, feed hoppers are used on farms even now for ease of animal feeding.

Much more can be said, but the message of the Ark is really the message of the cross: the judgment of God comes, but the mercy of God made a way for safety. Once sealed in the Ark, through tossed to and fro, they were safe. In Christ, regardless of the storm-tossed seas of life, the Bible assures us that we are sealed in Him.


All prior articles in this series can be found by searching my blog at insurance-coveragelaw.Blogspot.com.




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