[CP Today] Nigerian pastor and Calvin Seminary grad gunned down with his wife on their farm
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Award-winning Christian singer Natalie Grant and her husband, composer Bernie Herms, revealed they've lost thousands of fans after speaking up against racism following the death of George Floyd.
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British Prime Minister Boris Johnson is offering Hong Kong residents a pathway to citizenship in the United Kingdom should China proceed with implementing a national security law that would effectively control the city-state's government.
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Facebook has shut down a social media group organized for mothers who are opposed to drag queen story hours at local libraries.
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In his eulogy for George Floyd at a memorial service in Minneapolis, Minnesota, Thursday, civil rights activist Al Sharpton declared that now is the right time for the United States to reform its criminal justice system and promised to march on Washington come August to get it.
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One of the sites on the banks of the Sea of Galilee where some believe Jesus miraculously fed the 5,000 as described in all four gospels has been flooded by heavy rains that have forced archeologists to abandon their excavation.
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The right to peaceful protest is guaranteed by the First Amendment, and I will defend that right to the death. However, when you start destroying people's homes, businesses, and neighborhoods, and when you start injuring and killing people, you have crossed the line.
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Revenue down? Make Your Insurance Claim. Really. |
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Make and Preserve Your Insurance Claim
The COVID-19 pandemic has caused many nonprofits and businesses to see a reduction in donations and revenue or to shut down temporarily. If that's you, make your insurance claim.
I can't stress this enough. Really. You absolutely should make and preserve your insurance claims, even if you do not think you have coverage. I'll discuss the most common exclusions below, which your insurance agent has likely pointed out. Be sure to respond to them when your insurance company sends you follow-up questions or requests for additional information. Additionally, be very skeptical of the insurance companies' follow-up questions.
What About Exclusions?
There are two major types of insurance policies that nonprofits typically carry for large interruptions:
- Event insurance
- Business interruption coverage
- Usually found in general business liability policies.
As you can imagine, insurance companies are freaking out about coverage. They point to one of three common exclusions as a way to get you not to file a claim:
- Physical loss
- Virus or contagion
- Pandemic
In most states, exclusions must be clear and unambiguous, and attempted exclusions are commonly interpreted against the insurance company. |
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Physical Loss Exclusion
Many policies have an exclusion for damage that is not covered by a "physical loss." At first glance, you might think that means some physical harm to your property, such as a tornado or flood. However, case law makes it clear in many jurisdictions that "physical loss" actually means "loss of use." After litigation, courts have held that losses for loss of use must be covered. Examples include losses due to a bad spider infestation or an asbestos insulation problem. A governmentally-ordered partial or full shutdown that results in an inability to use your property for your charitable program could very well be a "physical loss" due to the "loss of use."
Virus or Contagion Exclusion
This exclusion typically excludes damages related to a virus. But there still may be coverage. To the extent, your nonprofit is not directly affected by the virus itself. Instead, it is affected by a shutdown order... Read More
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I live in San Juan Capistrano California now
- The most important link on this blog is this one about cures to the coronavirus.
- Also this one about vaccines that immunize people from catching the coronavirus.
- Then there is this one about copper as a weapon to combat this virus.
- This one could save some lives about the Red Cross.
- This one is a plasma cure link.
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