What Comprehensive Real Estate Professional Indemnity Insurance Should Cover

One of the most demanding markets today is the real estate industry. And this is because in this particular industry, client expectations are usually hard and tricky to meet. Realtors would usually find it difficult to fully determine what their clients actually want or require based on sporadic personal interactions alone.

Real estate agents are also not safe from or immune to legal complaints or lawsuits filed by their clients. A lot of these buyers or clients would usually be agreeable to or happy about pretty much everything about the property and close the deal happily. However, later on, the buyers would come back to complain about how the property they have purchased turned out to be what they did not expect. Such issues can further escalate and in the end, the property investors would file a legal complaint against the realtor.

To prepare for such unfortunate situations and to protect their practice or company, licensed realtors and real estate companies need to have professional indemnity insurance. This particular type of insurance provides financial protection to any real estate firm or practitioner against a number of claims for alleged negligence or breach of duty which arose from an act, error or omission in the performance of their professional services. By having professional indemnity insurance, your real estate business can still remain open and continue its operations even if a legal claim against your company has still not been settled.

Different providers of real estate professional indemnity insurance offer various kinds of coverage. And if it is your first time to invest in this type of insurance, you have to know the extent of coverage the insurance will provide your practice. Below are some of the civil liabilities that the professional indemnity insurance for real estate agents should cover:

• Unintentional defamation, including libel and slander
• Breach of professional duty
• Loss, damage or destruction of any documents, files or records
• Any bodily or physical injuries and property damage claims acquired from or caused by a third party
• Claims investigation costs
• Unintentional infringement of another person’s patent, trademark or copyright
• Any expenses incurred resulting from attendance at any inquiry

As a licensed realtor, having professional indemnity insurance will give you a certain level of peace of mind. The cash flow of your business won’t be seriously affected even if you are in the middle of a lawsuit. And with the help of this insurance, starting anew after the legal battle can be made easier whether compensation was required to be granted or not, since the personal assets of your business are fully protected.

4 Ground Rules to Follow When Playing at Online Casinos

Online casinos enable you to play your favorite casino games online. Once you register an account with an online casino and deposit some money into your account, you can start to bet on your selected game right away from computer. All gamblers who play at online casinos want to make winnings and be able to withdraw & enjoy the money they win. Unless you are the exception, then you should follow the 4 ground rules if you choose to play at online casino.Rule #1: Deposit Small Amount To Test The CasinoThere are far more rogue online casinos, the casinos run by scams who just want to make you lose and they don’t pay when you win than the legitimate good reputation online casinos. You may accidentally register with a rogue casino which you won’t be able to withdraw the money even if you win. Therefore, if you are new to the casino and just want to make the first deposit, just bank in a small amount to test the casino first. The online casinos may have very attractive bonuses to attract their new players to make as much deposit as possible. These casinos may offer 300% to 500% matching bonus for the first deposit. If these are rogue casinos, you will have no chances to make withdrawal no matter how much bonuses the casinos offer to you. The rule of thumb, don’t make large amount deposit before you have chances to withdraw successfully.Rule #2: Make First Withdrawal As Soon As PossibleOne of the major problems faced by many online casino players is unable to withdraw their winnings. Some online casinos have very strict terms and conditions for withdrawal, they make their players hard to withdraw the money so that they can keep the money in their account and keep playing until they lose all the money. If you play at a rogue online casino, most probably you have no chance to withdraw at all. You don’t want this to happen on you; when you win you definitely want it to be able to withdraw the money easily. Therefore, you should read the online casino’s terms and conditions on withdrawal to ensure you won’t face any difficult when you want to withdraw the money you win. Try to make the first withdrawal as soon as possible once your account meets the withdrawal requirements.Rule #3: Set a Budget to Avoid Big LossesSometime, luck is not with us, no matter what we bet, we lose. If you are at this condition, the more you bet the more you will lose, until you lose all your money. Don’t play with such behavior, be admitted that luck is an important factor in gambling, you will win when it comes; you will lose when it goes. Therefore, no matter how good you are in playing your favorite casino games or you have the best casino strategies in hand, you should always set a budget to quit and cut the losses if things don’t turn in the way you expected.Rule #4: Don’t Be GreedyGreedy behavior is the key factor that makes most casino players lose. When they win, they want to win more; but when they lose, they want to win back their losses in the next game. That’s why you will see those winners and losers keep staying at the game until they lose all their money before they quit. Don’t greedy and bet wildly when you win or lose. This is the important ground rule to be followed by online casino players. You should know when to quit the game to take the winnings or take the losses if luck is not at your side.

The Perils of Online Casinos

Whilst only in the business for almost one year, one gets to learn which are the good, high quality casinos, which online casinos are ok, and which online casinos are just downright appalling. Unfortunately, regardless of how good an online casino is, a few bad apples here and there and it rubs off on the whole industry, just as spitting fake blood during a rugby match is to the reputation of World rugby.Stamping these online casinos out can be difficult, first one requires proof that something untoward has been going on, luckily there are enough casino forums around where players can voice their opinion if they feel something is wrong, comments are usually then backed up by others once one individual has spoken out.This is usually where the fun begins as claims and counter claims are made for all to see on the internet, although they say all publicity is good publicity I could not agree that when players prove that an online casino has not being paying out, changing terms and conditions, and not adhering to their own bonus rules and regulations, that this can only be very bad for the online casino in question.There is a particular scenario at the moment where an online casino changed the terms and conditions after a particular player won a certain amount of money. The money, quite rightly should have been paid within the original terms, which were changed so quickly after the player wished to withdraw, that the online casino in question even changed the section of the terms in a different font!It is these types of situations that hinder the online gaming industry, will that player ever gamble again? Possibly but certainly not at that casino and with the bad publicity this particular casino has lost out not only on new and possible existing customers but those that want or wanted to promote them, the affiliates.Affiliates are hit just as hard as the players in many cases. Affiliates work very hard in promoting online casinos and should never have to worry about promoting a casino brand whos intent will eventually be to manipulate more money out of affiliates and players alike. Again, bad press then means affiliates remove the online casinos from their websites, meaning the casino receives less exposure when it comes to an impulse purchase and a player chooses elsewhere to play.Thankfully, just like Star Wars there is more good than bad out there and there are numerous high quality and informative sites that will guide you in the right direction. Websites such as the GPWA.org (Gambling Portal Webmasters Association) and APCW.org (Association of Players, Casinos and Webmasters) help players and affiliates immensely whilst Affiliate Guard Dog strikes fast and efficiently when an affiliate program is up to no good. All of those sites will not only help you find out who the bad guys are but will provide honest, up to date advice on who’s up to what in the online gambling industry.Finding a good online casino list with the right quality and quantity of online casinos is what all casino affiliates strive to provide to the public, if a casino or affiliate program does become rogue, then it is up to each webmaster as to whether they wish to continue to promote them or not but rest assured the majority of those within the industry will remove rogue casinos faster than a drunk eats a kebab!