NLIC.org

Brandon Said:

Public theft from a commercial premises. Does the company have any liability?

We Answered:

Hi Signum,

There is specific case law that covers this type of scenario.

It is Olley v Marlborough Court Ltd [1949] 1 KB 532.

The claimant, Mrs Olley, left a valuable coat in her hotel room. On the back of the room door it stated that valuables left in the room was entirely at the owners risk.

The coat was stolen but the hotel denied liability. The court of appeal said the hotel was liable because the disclaimer should have been clearly visible before the claimant signed the register when she checked in.

Applying this to your case, if this disclaimer was clearly visible at reception or on your membership agreement prior to you going to the changing rooms then you do not have a case. If it was not then you may have a case.

good luck.

Ray Said:

Is it true that..............?

We Answered:

It's true. MSN.com had a report out about 2 weeks ago saying ABC was filming a pilot episode about how the cavemen adapted and see how they fare in today's world.

Dianne Said:

Switch in employment catergory after send timesheets from employee to Independent Contractor , why?

We Answered:

Your employer is doing that to save employee taxes and benefits they would have to pay you if you are in the "employee" category.

Francis Said:

What should be the estimated price for a Professional Liability insurance (with coverage for, a minimum, $1M)?

We Answered:

You are flat out NOT going to get coverage for contractual liability, oral contracts. Ain't gonna happen.

And you're not going to get professional liability, without naming which LICENSED profession you're trying to insure.

Coverage is BASED on gross sales, or payroll, or the number of licensed professionals - none of which you mentioned.

For an advertising agency, you need to budget a minimum of $5,000 for insurance. But there's nowhere NEAR enough information for a "real" quote - it could be ten or a hundred times that, depending on a wide variety of factors that you flat out didn't mention.

Jessie Said:

Where can I find insurance for my flat?

We Answered:

Sometimes banks do home insurance, so you could enquire about it at your branch.