The Upside to Research Essay Rough Draft Samples

The Upside to Research Essay Rough Draft Samples Research Essay Rough Draft Samples - Is it a Scam? Some people have a tendency to not use a rough outline because they may be overwhelmed with the process which they need to undergo. Becoming mindful of these details will help you to have an easier and faster time when creating a rough outline for a certain writing activity that you're currently immersed in. When you've checked the language of your paper, it's time to look closely at its technical facets. Revise the entire bit of writing once more. Essays are like stories, only they are a little bit formal. English topics aren't simple to produce. English is 1 language that you are unable to exhaust. Moreover, your writing ought to be clear and uncomplicated. To be a specialist at it, you should learn through tutors or through samples. There are certain sorts of essays we've given as samples to help students acquaint themselves and learn to compose various samples. Even after reading the post, essay writing still looks like an intimidating task for you. The paper will appear at if home life influences engagement in the job setting or if it's affected by the deficiency of job resources, greater job demands. It's going to provide you with a notion of what it is that you're communicating. Because your rough draft will be the foundation for your final draft, you wish to make certain you've gotten the heavy lifting from the manner so as to have the opportunity to concentrate on making all the pieces fit together in the home stretch. Read the passage from a web site. The New Angle On Research Essay Rough Draft Samples Just Released Rough outlines may be easy, but there isn't any denying that it's effective. You've got to spell out why you picked those details and the way in which they prove your point. Don't be worried about the fine details just yet. New Questions About Research Essay Rough Draft Samples A well-made outline is critical in locating considerable info and keeping track of large quantities of information from a research paper. Then you should supply some background information regarding the topic of your paper. One of the absolute most important sections of any research paper is really doing research. Take note that doing research is the important portion of any research paper and you cannot avoid it, however much you may dislike the approach. The great things about samples is they are available online and you need to cover them. It is crucial that you don't overlap ideas. So it's always pleasant to find that feedback. The Pain of Research Essay Rough Draft Samples It's important to not forget your rough draft is a ways from your final draft, and you'll participate in revision and editing before you've got a draft that's prepared to submit. The rough draft is only that, the very first version of an essay. Lesson Summary it is the first version of the essay. The finished rough draft ought to be pretty near their finished essay. If you would like to gain from the use of a rough outline but is unaware on how best to create one, we've prepared lots of suggestions and guidelines together with a step-by-step standard guide to assist you develop your very own rough outline. You might also see resume outline. You can also see chapter outline. Besides a report outline and a presentation outline, a research paper outline is among the most usual types of outlines you're most likely to encounter in any particular field. More so, it may give you a good idea on how you're able to create the entirety of the document so that you can give highlight on specific and important details. The most essential part of the introduction is the thesis statement. If you presently have a rough outline, it is going to be simpler that you present your topic in the easiest way possible. Grow a plot you may follow when developing the authentic rough outline which you will utilize. Be certain you will produce a discussion flow that's commonly concentrated on the introduction, body and conclusion of the write-up. Cause and effect essays are a breeze to write, just stay focused and attempt to make impact through your words and through the usage of evidence. For example, you surely have bits of research which are more essential to contain in your body paragraphs than others. Because you planned out your topics in advance, now you may write the body paragraphs.

The Animal Of Animal Welfare Act - 1851 Words

Animal Welfare Act Casandra Sasaki Eagle High School Abstract The Animal Welfare Act, passed in 1966, establishes guidelines for the protection of animals used for research and other purposes, defines the requirements for facilities housing those animals, and outlines the procedures for inspection and maintenance of those facilities by government entities. This paper explores the pros and cons of the act as well as the effectiveness of the guidelines and their enforcement. Finally, it makes several recommendations based on the evidence presented. Policy Identification and Explanation The policy that I am researching is: â€Å"United States Code: CHAPTER 54—TRANSPORTATION, SALE, AND HANDLING OF CERTAIN ANIMALS.† (Animal Welfare Act, 2015). This is the Animal Welfare Act. Because the Animal Welfare act has so many parts to it, the section I am focusing on is: â€Å" §2143: â€Å"Standards and certification process for humane handling, care, treatment, and transportation of animals† (Animal Welfare Act, 2015). This specific section is focusing on animal testing in research facilities across the United States. It tells the minimum requirements for animals’ housing, treatment, care, sanitation, etc. This section also states the requirements for procedures done on animals. Section three, part B states: â€Å"the principal investigator considers alternatives to any procedure likely to produce pain or distress† (Animal Welfare Act, 2015). The Animal Welfare Act is a federal law,Show MoreRelatedAnimal Testing and The Animal Welfare Act1417 Words   |  6 PagesMany scientists claim that without animal testing, medical breakthroughs and research would not have progressed to where it is today. Some people claim that animals do not have rights and mankind naturally has dominion over them, making it acceptable to use them for scientific experimentation. This is simply not true. Animals can feel pain. They can suffer. One critic of animal testing maintains that pain is an intrinsic evi l, and any act that causes pain in any other creature is morally wrong (Andre)Read MoreAnimal Experimentation And The Animal Welfare Act1800 Words   |  8 Pagessuggested that one should respect the lives of animals in the laboratory or that they, and not the experiments, however fascinating and instructive, were worthy of greater consideration† (1986, p. 50). 95% of animals used in experiments are not protected by the federal Animal Welfare Act. This law excludes animals such as birds, mice, and rats that are bred primarily for research purposes. The Animal Welfare Act regulates the housing and transportation of animals, but no rule or regulation exists that restrictsRead MoreAnimal Testing And The Animal Welfare Act Of 19701844 Words   |  8 Pagesdesperate aliens who are willing to do anything to cross the border or country. In reality, animals [mainly cats, dogs, and mice] are the ones that endure experimentation for the future of mankind. Even though animal testing he lped discover treatments for aggressive diseases and safely determined the outcome of mankind, it still sidesteps the fact that animals are their own being, it violates the Animal Welfare Act of 1970, the discovery of humane methods shows it to be beneficial, and the test resultsRead MoreThe Animal Welfare Act ( Awa )897 Words   |  4 Pages Some scientist argue animals often make better research subjects than humans. Certain scientists believe this because many animals have a shorter life cycle than humans. In the same manner that mice are one of the most used animals for medical research testing, they live for only two to three years. Scientist are able to study the effects of treatments or genetic manipulation over a whole lifespan and even across several generations. By doing this scientists are able to develop new medicine andRead MoreThe Animal Welfare Act Is The United States1659 Words   |  7 Pages Think of a small or large innocent animal, dying a painful death, all be cause we humans want to advance and need something to test on. They are only being minimally protected because they are seen as just our â€Å"property†. Testing on animals is not the problem, the extremely inhumane way that they are being treated is. Many animals of different species sit in cages of research facilities, instead of being out in the wild where they belong. They are forced to endure multiple tests every day. TheseRead MoreZoos: The Federal Animal Welfare Act 1167 Words   |  5 Pagescomfortable environment; making animals happy and content; educating the world about wildlife; and saving species from the brink of extinction while at the same time providing vital research into the lives of animals. There is a moral presumption against keeping wild, defenseless animals in captivity. The zoo is a prison for animals who have been sentenced without a trial. Either we have duties to animals or we do not. I feel that we have a duty and responsibility to animals and need to provide themRead MoreAnimal Welfare Act Of 1966. Before 1966, Almost Of Animals,1660 Words   |  7 PagesAnimal Welfare Act of 1966 Before 1966, almost of animals, family pets as well, were being taken away by thieves and burglars because a lot of laboratories were paying others to do the messed up dirty work all so they could test on them with all sorts of chemicals. Between 1908-1973, President Lyndon B. Johnson saw this and the heard cries and sorrow of the people and didn’t agree with what was going on. On August 24th, 1966 President Johnson created a nameless act in order to ensure and protectRead MoreAnimal Welfare Act Of The Ringling Brothers Circus1506 Words   |  7 PagesAnimals in captivity are being forced to perform for human entertainment, but have to go through different forms of mistreatment to succeed in their performances. When it comes to billion dollar companies, such as, SeaWorld Entertainment and Ringling Brothers and Barnum Bailey circus, abuse their animals at a very young age in return of profit from admission ticket sales. The Animal Welfare Act regulates housing, exhibiting, c are, licensing, and care for animals in captivity. Although, it onlyRead MoreAnimal Experimentation At University College London1685 Words   |  7 PagesI. Introduction a. Attention getter device: This is a picture of a kitten that was forced to undergo animal experimentation However, this is only one of the 11 at University College London that had part of its skull removed for a three-day round of experiments. The first day involved the kitten being paralyzed as electrodes and probes were put into their brains to be able to measure what they saw. The second day involved a plate being screwed into the skulls of the 11 kittens and they were placedRead MoreThe Current Uk Animal Welfare856 Words   |  4 PagesThe current UK animal welfare legislations and their objectives are:  ¬ Animal Welfare Act 2006 This Act has for the first time introduced legislation for pet owners meaning that the owners have a legal duty of care to meet the five welfare needs of their pets. The welfare needs are also known as the five freedoms and they are the basic needs of any animal. The law also applies to people who are responsible for animals, such as breeders and those who keep working animals. (APGAW. No Date)  ¬ The

The Origin Of Wealth By Eric Beinhocker - 779 Words

The Second Law of Thermodynamics (also called the Law of Entropy) states that, generally, the universe moves from order and structure to a state of disorder. What we witness around is staggering complexity. Complexity has found its way into economics too. Eric Beinhocker, the author of â€Å"The Origin of Wealth†, estimates that in New York City alone, there are some 10 billion SKUs, or distinct commodities, being traded in a day. This is why, when an invention as simple as bitcoins was created, it made the economy uneasy. Over the past years, there has been an increase in interst in the cryptocurrency system by financial institutions and governments. However, their position is typically stated by â€Å"I like blockchain but not bitcoin.† Institutions have failed to understand that bitcoins and blockchains have symbiotic relationships. The coin is an incentive mechanism to maintain security. Until the invention of Bitcoin in 2008, security and decentralization seemed like contrary concepts. Traditional models of financial transactions lie on centralized control to provide security. The architecture of traditional financial network is built around a central authority. As a result, security and authority had to be vested in that central actor. The resulting security model looks like concentric circle with very limited access to the center and increasing access as we move away from the center. However, even the most outermost circle, cannot afford open access. The entities near theShow MoreRelatedExploring Corporate Strategy - Case164366 Words   |  658 PagesSound into a music and media empire worth nearly  £150m. Two years later, Palumbo had quit as chief executive and the Ministry of Sound was looking for a new st rategic direction. The Ministry of Sound’s start had been difï ¬ cult. Dance music had its origins in ‘acid house’, itself with its roots in the futuristic, electronic music of the gay clubs of Chicago and New York. The new style had been picked up by British DJs in Ibiza, who combined it with the drug Ecstasy to create a new ‘blissed-out’ sound

Minority Cultures in Pittsburgh - 2149 Words

Minority Culture --- Jewish Theme 1 --- Holidays/Traditions There is no way to define someone as â€Å"Jewish† in terms of race; there is no â€Å"Jewish race.† Judaism has a long history; Jewish identity is a combination of this history as well as religious and ethnic variables. There are also several different ways to practice Judaism such as Orthodox, Reformed, Liberal, and Masorti. The Orthodo Jews often follow most strictly the laws and observances of Judaism and will often times send their child to privates Jewish schools at synagogues, therefore it is most likely that I would encounter students that practice as less strict form of Judaism (Chinn, Gollnick p.254). According to 2009 religious affiliation information from the US Census,†¦show more content†¦Her mother is said have been helped by the angel Gabriel. Abraham is born with a light emanating from him and in her confusion; his mother leaves him in the cave. The angel Gabriel is said to make it that milk will flow from Abraham’s finger so that h e will not starve. The legend also states that Abraham knew in infancy of the â€Å"one true God.† Abraham was later reunited with his family and made it his mission to convert everyone to his faith (Goldstein p. 49). Later, Abraham received a divine command to circumcise himself and all his male descendants with the promise that this would lead to future greatness. Shortly after Abraham had fulfilled this command he and his wife, Sarah, changed their names (previously Abram and Sarai). Name-changing is an important Jewish custom as well and will be discussed later (Goldstein p. 50). Shortly after, their first son Isaac was born, and it is said that God tested Abraham by commanding him to kill his son. When Abraham was about to go through with the command the angel Gabriel stopped him (Goldstein p. 50-51). The Jewish people trace their ancestry to Abraham through his son Isaac (Abraham also had another son, Ishmael with a servant girl who the Muslims trace their ancest ry) (Goldstein p. 54). The legends of Abraham are very important in the Jewish faith because it is the basis of their entire religion. Abraham is seen as the firstShow MoreRelated The American Education Systems Multicultural Perplexity Essay785 Words   |  4 PagesCaucasian population. There were hardly any minorities in the school system, and as a result the minorities there did not receive a culturally diverse education. It was much easier for the teacher to teach to the majority in the methods that the majority could understand. These minorities had to assimilate to our practices our fail. This hardly solves the problem of educating students so they can provide for their future families. Of course the minorities in the school are not going to be as adeptRead MoreRosenquists Painting F-111: An Analysis872 Words   |  4 Pageslipstick and appears just like children whose parents enter them into beauty pageants at a young age. The spaghetti with red sauce was becoming a stand ard meal for Americans, and the thick car tire represents the supremacy of the automobile in American culture. 3. While there are parts of the Rosenquist F-111 composition that are disturbing, there are no panels or elements I do not like from an aesthetic perspective. The girl under the hair dryer is the most disturbing, not just because a young child isRead MoreRacism And All The Other Isms 999 Words   |  4 Pageswho was originally from another culture background, going to school here in the U.S was the biggest change for me. Where I came from there is only one type of ethnic group in my school, everyone around me seem to be just like me. We dressed the same, we shared the same culture and language. It’s seem like going to a school where everyone surrounding is are the same would be great but honestly it did not. Many of my friends would often judged people who are minority who went to my school, and saidRead MoreBarbara Sizemore : An Effective School System Essay1636 Words   |  7 Pagesteacher, Sizemore became the first black female principal in Chicago (NLVP). She served as principal at Forestville High School to turn a hostile environment into a positive educational environment (NLVP). She conducted research at the University of Pittsburgh on schools that taught low income African American Students (Duquesne University). Barbara certainly did not stop here; she continued to better Chicago’s school system and the structure of low income schools for years to come (Bradley, 1996). Read MoreHumanism : A Progressive Philosophy Of Life1128 Words   |  5 Pages Although both artist are not from the U.S. and are presented as a minority group in the 1900s, Warhol on site passes off as a white man and Basquiat passes off as a black man. In the 1900’s people weren’t as aware of thoughtful of asking about ethnicity, the rule of thumb was the color of your skin either labeled you as black or white and this gave those men different obstacles to face. Warhol was born and raised in Pittsburgh, Pennsylvania. Warhol initially pursued a career as a commercial illustratorRead MoreEssay about Police Brutality1737 Words   |  7 Pageshave fallen short. The scenarios are frighteningly similar from city to city. Shortcomings in recruitment, training, and management are common to all. So is the fact that officers who repeatedly commit human rights violations tend to be a small minority, but are still routinely protected by the silence of their fellow officers and by flawed systems of reporting. Another pervasive shortcoming is the scarcity of meaningful information about trends in abuse. Data is also lacking regarding the policeRead MoreThe Latino Model: Roberto Clemente Essay1571 Words   |  7 Pages During the mid-1950’s, Major League Baseball was in the midst of an influential movement. Jackie Robinson had broken baseball’s â€Å"color barrier† in 1947, which helped usher in the participation of other minorities, especially the Latinos. Just as the blacks were faced with adversity, the Latino players experienced the same. The teams integrated slowly and sportswriters often scorned the players having difficult y developing English as a second language (Regalado 678). Roberto Clemente joined thisRead More Social Discrimination 1556 Words   |  7 PagesDuring the Spring of 2012, The University of Southern Mississippis basketball team made their first appearance at the NCAA tournament since 1991. The team played against Kansas State University in Pittsburgh, Pennsylvania. During the second half of the game, Kansas State was defeating the University of Southern Mississippi, due to their freshman point guard Angel Rodriguez who contributed many points. The Wildcats were leading the game by 70-64. As Angel Rodriguez was performing a free throw, someRead MoreWho Is An Asian American?1566 Words   |  7 Pagesis an American with an Asiatic background. Therefore, making assumptions about an Asian would be absurd because the term is broad and covers many races. Behind the Asian identity are distinctions like nationality, origin, language, religions, and culture. Within the Asian ethnicity are ra ces including Chinese, Japanese, Koreans, Filipinos and more. Asian Americans arrived in the United States in the 18th century. The Chinese came to America during the 1850s California gold rush, and it was betweenRead MoreJeanette Krebs Is The Managing Editor Of Bravo Group1203 Words   |  5 Pagesparticular. Krebs stated that Bravo Group has a flat hierarchy, while there is a leadership team, many people lead clients and create teams of others at Bravo. One many be a lead on one client, and then be working for someone else on another. Their culture is to move quickly and think about projects as if they were political campaigns- needing a lot of strategy and moving at a fast pace (J. Krebs, personal communication, October 28, 2015). Bravo Group works with education, energy and infrastructure

Summary Of Ernest Hemingway s A Farewell Of Arms

Jack Ketelsen Period 4 AP NOVEL FORM 1. Title: A Farewell to Arms 2. Author and date of first publication: Ernest Hemingway, 1929 3. List four main characters with a one-sentence description of each. a. Frederic Henry- Frederic Henry is an American who joined the Italian army to become an ambulance driver during the war, and finds a woman that he quickly falls in love with. b. Catherine Barkley- Catherine is an English V.A.D. who is willing to do anything for Henry and that powerful love stay with her until her death. c. Helen Ferguson- Helen is a nurse that befriends Catherine while working at the American hospital in Milan and helps Catherine and Henry even though she does not agree with their relationship. d. Priest- The priest is a good friend of Henry who gets mocked by the officers but still keeps his faith and kind personality. 4. List two minor characters with a one-sentence description of each. a. Miss Van Campen- Miss Van Campen is the head nurse of the hospital in Milan and disliked Henry from the start of his stay at the hospital. b. Count Greffi- Count Greffi is a ninety-four-year-old man that finds comfort in an organized life and resembles an older version of Henry. 5. Three main settings and one sentence description of each. The novel starts off in Gorizia where Henry and other soldiers live while fighting in the war. When Henry is badly injured by a bomb, he is sent to an American hospital in Milan where Catherine follows to be with andShow MoreRelatedA Farewell To Arms Analysis1066 Words   |  5 PagesA Farewell to Arms by Ernest Hemingway, tells a love story between Frederic Henry and Catherine Barkley during World War I. In â€Å"A Powerful Beacon†: Love Illuminating Human Attachment in Hemingway’s A Farewell to Arms, Joel Armstrong discusses the impact love plays in the novel and the debate many critics have over what sort of love story A Farewell to Arms really is (Armstrong 1). Randall S. Wilhelm mentions Henry’s effort in badly concealing his attempt to suppress his lack of love for Barkley aboutRead More Ernest Hemingways Code Hero in For Who The Bell Tolls and A Farewell To Arms4503 Words   |  19 PagesErnest Hemingways Code Hero in For Who The Bell Tolls and A Farewell To Arms They were American innocents negotiating the river of life wherever it took them: to Italy, to Spain, to Africa, to the Caribbean, wounded men laughing through the pain, sometimes risking their skins but never sacrificing their honor. It was a river into which countless writers would thrust their paddles.(Papa) Ernest Hemingway is arguably one of the most important writers in American history. Though this isRead MoreMen Without Women By Ernest Hemmingway1543 Words   |  7 Pagesand his first wife Hadley got divorced, due to an affair that Ernest had with a woman named Pauline Pfeiffer. Shortly after the divorced from his first wife, he continued to work on his story book, â€Å"Men without Women†. These short stories are a catalog collection of different subjects from infidelity on both sides and his many divorces. Hemmingway moved back to the states after his second wife became pregnant, and his book â€Å"Farewell to Arms† was released around this time. This encompassed his experienceRead MoreBrothers Grimm and Beautiful Mind1109 Words   |  5 PagesAnalysis Essay â€Å" The world looks at graffiti and sees garbage and ugliness†. These were the words of Margaret Kilgallen, a talented street artist that felt that the true garbage or â€Å"mind garbage† was to be found on commercial billboards. Growing up in the s Premium 428 Words 2 Pages * Movie Analysis – a Beautiful Mind Movie Analysis – A Beautiful Mind A Beautiful Mind is a true story based on the life of John Forbes Nash, the mathematical genius who, while a graduateRead MoreThe Role Of Fascism, And Background Of Ernest Hemingway2736 Words   |  11 Pagesmedical staff, ambulance drivers and pilots etc†¦did so, as well. Many countries were involved in world war one; throughout this essay the focus will remain on World War One, the role of fascism, and background of Ernest Hemingway. This essay will also give a brief overview of ‘A Farewell to Arm† and discuss themes such as chaos and order, war, self vs duty, ambulances, and rain. Cultural and Historical Background Ambulance services were best defined as hospital establishments moving with armies in theRead MoreLogical Reasoning189930 Words   |  760 Pagesconcentrates on these three uses: we use language to describe a situation, to explain why an event occurred, and to argue that our conclusion should be believed. But it can be difficult to distinguish these three uses from each other. Here is a quick summary of the differences among the three: Sub-conclusion. This sub-conclusion is a basic premise for the final conclusion that all the patients given the AIDS antidote now have red hair. 27 58 †¢A description says that its like that. †¢An explanation

A Moment of Terror Essay Example For Students

A Moment of Terror Essay At the end of May, my family and I were faced with a moment of terror when my grandmother was diagnosed with stage four lung cancer. To say I experienced a feeling of defeat is an understatement. I have never experienced seeing a family member suffer from cancer, and I could not imagine what it would be like seeing not only my grandmother, but also my best friend face something so difficult. I remember the phone call; I remember hearing her precious voice say, â€Å"Lauren, God is going to heal me; please do not shed one tear because we serve a healing God. At that moment, I knew God was going to heal my grandmother, and she would overcome this cancer she was diagnosed with. Faith, hope, love, and peace allowed my grandmother to have a positive outlook on her diagnosis, and I know she would have never overcome this cancer without the healing hand of God. Faith is typically defined as a complete trust or confidence in something or someone. This definition speaks clearly to me personally because I witnessed faith on a new level throughout these past couple months. My grandmother, age seventy-two, was diagnosed with stage four lung cancer about five months ago. I was defeated and torn apart because I questioned why bad things happen to good people. My grandmother did not deserve this; she did not deserve to suffer with cancer. If anything, I should have been the one suffering. I told her that I would give anything in this world to be able to take her place, and she laughed. She told me that God gave her this obstacle for a reason: to strengthen not only her, but also my entire family. She said that she had faith in knowing God had already healed her even before she started chemo treatments. Her faith stood out among our family. It was her faith that allowed us to see the light through this dark tunnel and moment of terror. I truly believe her faith in God was the reason she was healed. God knew the whole time what He was doing. He was just trying to prove a point, and show everyone how much of a healer He really is. The word â€Å"hope† is also another verb that means a lot to my family and me because we had a feeling of expectation and desire that my grandmother would soon be cancer-free. Not only did my grandmother have high hopes, but my family did as well. My grandmother’s attitude truly sparked the feeling of hope within my entire family. We started praying more because this diagnosis made us realize we had to make a change in our life. We realized God was trying to get our attention, and He did. God gave my family and me a wake-up call. I personally believe her diagnosis was a good thing, because I realized how special she truly was to me, and I did not need to take her for granted any longer. I felt as though she would always be here, on Earth, but facing this obstacle made me understand that her time is coming to an end. I should be calling or spending as much time with her as I possibly can because she is not promised tomorrow. Throughout my grandmother’s cancer diagnosis, I learned how much I value the word â€Å"love. † Love is a feeling of affection one has for another, and I have never felt more loved than when my grandmother was going through chemo. All of my family and friends were constantly calling and checking on my grandmother. They were telling her how there is power in prayer, and I truly believe my grandmother would have never gotten through her cancer treatments without love from our family and friends. .ue48b28e8c966896fa98f5b12d409c8f8 , .ue48b28e8c966896fa98f5b12d409c8f8 .postImageUrl , .ue48b28e8c966896fa98f5b12d409c8f8 .centered-text-area { min-height: 80px; position: relative; } .ue48b28e8c966896fa98f5b12d409c8f8 , .ue48b28e8c966896fa98f5b12d409c8f8:hover , .ue48b28e8c966896fa98f5b12d409c8f8:visited , .ue48b28e8c966896fa98f5b12d409c8f8:active { border:0!important; } .ue48b28e8c966896fa98f5b12d409c8f8 .clearfix:after { content: ""; display: table; clear: both; } .ue48b28e8c966896fa98f5b12d409c8f8 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ue48b28e8c966896fa98f5b12d409c8f8:active , .ue48b28e8c966896fa98f5b12d409c8f8:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ue48b28e8c966896fa98f5b12d409c8f8 .centered-text-area { width: 100%; position: relative ; } .ue48b28e8c966896fa98f5b12d409c8f8 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ue48b28e8c966896fa98f5b12d409c8f8 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ue48b28e8c966896fa98f5b12d409c8f8 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ue48b28e8c966896fa98f5b12d409c8f8:hover .ctaButton { background-color: #34495E!important; } .ue48b28e8c966896fa98f5b12d409c8f8 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ue48b28e8c966896fa98f5b12d409c8f8 .ue48b28e8c966896fa98f5b12d409c8f8-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ue48b28e8c966896fa98f5b12d409c8f8:after { content: ""; display: block; clear: both; } READ: Willa Cather EssayShe would explain to me how much love she felt when people would simply call her or text her just to make sure she was having a good day. Cancer is a terrible diagnosis, and it does not only affect the person, but also the entire family. My family and I were determined to love my grandmother through her difficult time. We knew she needed us as her rock and salvation because she trusted God was going to heal her. What simply amazed my family and me was her love for God throughout the entire process. She never questioned Him because she had faith in knowing that everything happened for a reason. Still to this day, I consider my grandmother my role model because of her strength, dignity, and compassion. She could have given up many times, especially when times got tough, but instead, she kept a positive attitude. Her determination to beat this cancer was constant and unfailing, and in September, she did. After my grandmother was diagnosed with stage four lung cancer, I started putting forth more time in my Bible studies because I knew God was the only person who could heal her. The doctors told her she would only live two years if she took chemo and only one year if she did not. I remember the moment of terror, finding out my precious grandmother would be suffering with some horrific diagnosis she did not deserve at all. After I began reading my Bible every night and praying for God to heal her, I was overwhelmed with a sense of peace. I knew this peace was sent from God because He had it all under control. I felt as though my grandmother was healed and that everything was going to be okay. God was trying to tell me something, and I knew exactly what it was. He was trying to tell me that if I put my faith in Him then He would perform a miracle on my grandmother, and He did. I still remember the time and place when my grandmother called to tell me she was cancer free. I was so overwhelmed with joy that I could not even speak. All I could do was thank God for performing such an amazing miracle on my grandmother. I could not help but give Him all the glory because I knew she would have never gotten through this without God’s love and peace. Peace allowed me to see the light at the end of the tunnel. Even when I thought all hope was lost, God had a bigger plan. He knew she would have been an amazing angel in heaven, but He was fortunate enough to share her with us for a little longer. My life was changed forever when I received the devastating call from my grandmother, telling me she was diagnosed with stage four lung cancer. At the time, all I could do was question God. I soon realized that what I thought was a curse only turned out to be a blessing in disguise. The devastating call, the dreadful visits to the cancer clinic for chemo, the talks about telling her goodbye, everything was all planned by God, the amazing healer. He knew exactly what He was doing, and my grandmother would have never gotten through cancer without faith, hope, love and peace. Four words that stand out among all. Each of these words has a special significance to my family and me because they helped us during a time in which all hope was lost but suddenly found. This test soon became her testimony. I truly believe this test was given to allow my family to grow together as one again. Family is the most important thing in life, and without family, I am nothing.

Business Quotations and Insurance Broker

Question: Describe about the Business Quotations and Insurance Broker. Answer: An insurance broker can always stop doing business for any one insurance company of so decided and this can be done by mutual agreement termination. But there may be certain legal implications of such termination of agreement between both broker and insurance company. The broker is a representative of different insurance companies and it acts like an agent of the insurance company but he actually acts as an agent of the insured only although he works for so many insurance companies at a time. The broker gets the remuneration from the insurance company in the form of commission although it acts specifically on behalf of the clients only. The broker is supposed to enter into an agreement or contract to work on behalf of the insurance company. The brokers are an actor on behalf of the client but are paid by the insurance companies even for any type of policy related issues the client will also try to get the resolutions through the said broker. The broker is supposed to do all that an a gent does for the insurance company. He is open to the client in making his decision of choosing the insurance company (Chapter 5 9). (a) New business quotations have been already provided to potential clients and they being valid as within 30 days clause of validity. The insurance company is supposed to respect these valid quotations if any of the recipients is interested to get a new policy done and in that case the new policy will be booked under the brokers code only as the broker has initiated the business. But this new policy will be issued through the brokers office only as the initial discussion was done on the policy by the broker with the said client. Once the contract is terminated the insurance company has the responsibility to inform the third party. Here the quotation placed by the agency will have to be withdrawn by the agency itself. Hence the said client will also be catered to by the broker although the agreement has been terminated mutually by both. But in case the client decides that he is not interested to take the new policy from this insurance company from which the insurance broker has already terminated his agreement. The client may be on knowing this may decide otherwise to have some other insurance companys quotation as the broker is also working for other insurance companies and he can take any policy from any other insurance companies. But in case the client wants to have policy from this insurance company only, the broker will be bound to help the client to get the new policy as per the quotation give to him. (b) Any type of mid-term alterations to the existing policy holders can be done by this insurance company although the brokers agreement has been terminated by both. The policies held by the present and existing clients are valid and are in force hence any changes or alterations or any endorsements can be done in these old policies and in such policies endorsements the brokers engagement is very nominal as the clients will be approaching the insurance company directly or may be if the arrangement be so that they may approach the broker to get the alterations or endorsements done in the policy through the broker. In such cases the broker will and should help out the clients with an idea that he acts on behalf of the clients and not the insurance companies and in future if he caters these clients then they may approach them to make new insurance policies in future from other insurance companies for whom he is still working. The midterm alteration of the policy by the client will have to be informed to the broker. The broker has terminated the agency agreement with the insurance company and therefore the termination factor has to be intimated in due course to the clients by the agency and the insurance company. The client can approach other agency or deal with the alternation issue directly with the insurance company. Any type of alterations is to be required to be done and this does not have any relation with the broker in general as this is a subject matter between the insurance company and the insured only (Chapter 5 9). (c) Policies for which the renewal terms are already accepted by the clients means that the existing clients unaware of the insurance brokers agreement termination with this insurance company have accepted the renewal terms for the existing policies. These policies will remain valid for the next period till renewal or if the client so needs can take up a new policy with the broker but with another insurance company by using the portability facility to make the new policy valid under the broker. The renewal of the policies will have to be dealt in the same manner as in case of alteration of policies. The insurance company has the responsibility inform the insured about the termination of agency contract. The insurance company can ensure the renewal of the policy with the insurance company. The broker is the agent of the insured and not the insurance company hence he may opt to have the relation with the new insurance company through the broker only and will not accept any renewal terms next year or at the time of renewal whichever is earlier (Chapter 5 9). 4 (a) The policy holder have used the property and stayed there during the taking of the policy and at that time he was a resident of that property and was not having any intention to leave the property to stay at any other place. But it is ultimately his property and he can take a decision of staying there or leaving that place and staying elsewhere but letting his friend stay there with his belongings. The owner of the property is staying at a different place with his belongings but his friend is staying at this property along with his belongings and during this stay of the friend with his belongings the property owner did not informed the insurance company. The fire broke out in the meantime when the friend was staying as a tenant. The policy holder has the responsibility to inform about change of occupancy. The insured shall not be negligent. However it would certainly be difficult to prove negligence behaviors. Occupiers Liability Act 1957 clearly suggests that owner cannot deny the p ersonal injury to the person who is using the premises. The insurance company will be liable to pay for the damages. The property owner has raised a claim for the fire damages to his property as well as on the belongings of the friend cum tenant. The insurance is normally done on the basis of the insurable interest on any items of insurance whether it is life or it is any general item. But in the case of the insurable interest there is no need of any insurable interest is declared by Insurance Contracts Act, 1984. Hence the persons are also not to be named in the policy for getting the benefit in case of damages. The legal case of Donoghue v.Stevenson (1932) (b) (i) The insured property owner have not disclosed that he has let out the property to his friend on rent and that is also on unfurnished manner but this is an innocent non-disclosure and this has not affected the policy as a whole as an innocent non-disclosure is acceptable by insurance company and any claim therefore is accepted by them. (ii) The insured property owner has taken up dangerous driving recently but after taking the policy and before the fire broke out in his property. Hence this non-disclosure has not affected the policy at all and this also has no relation with the present situation at all. This disclosure does not affect the policy at all as this is not related to anything to with the combined policy of the house property and its belongings. (Chapters 6 7). (iii) The insured property owner have already raised claim for the property as it is largely damaged by the fire as also its content belonging to the tenant. The policy is not required to name anybody and hence the policy is covering of house property and its belongings and it was not mentioned or by the insurance law it is not mandatory to mention the name of any person hence the belongings of the friend cum tenant will also be paid by the insurance company along with the house property damages. The insurance law is clear from the point of fact that mere disclosure or non disclosure of the interest does not make insurance claim for damage invalid. The disclosure is of two types one innocent and the other fraudulent where the intention is to cheat the insurance company and gain from the policy but here the owner have raised the absolute correct claim without any fraudulent activities or attitude. Here there is no misrepresentation but only non-disclosure of innocence of the property owner although it is not mandatory to mention the name of any person whose belongings are kept in the house property for which the combined insurance policy is taken. The legal case laws can be referred as Smith v. Eric S Bush (1990). This is to be seen by the insurance company if the non-disclosure is having any intention to make gain which out of intentional damage caused to the property in a deliberate manner but if it not so then such non-disclosure is always to fall i the category of innocent type. The case of fraud is extremely critical and this is dealt with very serious importance as this is done to make gain out of taking insurance policy and intentionally damaging property for gain (Chapters 6 7). 5 (a) The insurance policy cover is mainly covering the factory and also third party. The policy if mentions and includes that the rubbish is to be kept at least 15 meters away from the building and this was included as a warranty clause. But the factory owner never bothered to maintain that warranty provisions. Whenever a warranty clause is included then in such cases the property owner needs to take extra precautions to follow such warranty provisions and rules of the policy and hence if such warranty condition is not followed and adhered to then the insurance company can and may decline any claim raised out of any mishap due to violation of the warranty clause. The rubbish stacked beside the factory wall which is as per warranty clauses are to be kept at least 15 meters from the building and the fire took place due to the stack of this rubbish. The rubbish here becomes the main cause of the fire and hence as it violates the warranty clause it can be somehow taken by the insurer that this violation is against the warranty clauses proposed by the insurer. In this case the insurer is at advantage and they can refuse the claim totally as well as they can reduce the claim ad hoc as per their discretion and management. Marks claim may be justified that the warranty covers that rubbish must be kept 15 metres away from the building but it is not mentioned in the warranty if fire takes out of this rubbish then what is the outcome of the policy. Hence this point can become a point of contention between the insurers and Mark both and take the policy resolution to a different effect Napier v. Hunter (1993). (Chapter 8). (b) The reasonable care should have been taken to avoid the injury inflicted on the employer due to fire broken out in the Marks factory. The factory fire borne injury which is also covered by the insurance company and if this was registered in the factory records then the employer would have been compensated properly and in time. But due to negligence in the part of the owner the injury of the employee was not recorded and this employee was laid off after declared medically unfit after two months of the fire broke out in the factory. Reference can be done to legal case of White v. South Yorkshire Police (1999) which justifies that any reasonable care should be taken to avoid any type of damage whatsoever. The damage caused due to fire should have been recorded and informed to the insurance company within the stipulated time to get the claim for the employee. Hence the claim raised by the employee on Mark is justified and valid but Marks claim on the insurance company after two months of the event is not justified as per time clause of the insurance policy if any. The insurance company can refuse to attend the claim due to delay but if so then the owner of the factory is bound to compensate the employee as due to the factory fire only he loses his job and became medically unfit to work. Hence the precautionary measure should always be taken. (c) The stolen goods preservation is having no relation with anyone of the cases above as this neither affects the fire taking place due to rubbish and also it is not affecting the employee getting injured due to fire in the factory and is laid off by factory owner as he became medically unfit after two months of the fire. If the fire would have broken out due to the storage of these stolen goods then the effect would have been justified on both events. Hence in these two cases the effect of stolen goods is absolutely not related and also not present. The stolen goods kept in the factory may be an insurance policy violation but it cannot be proved as the fire did not affect through the stolen goods (Chapter 8). 6 (a) Jack a farmer having two greenhouses and these got damaged due to storm and was totally loss for him and due to this he raised a claims on the insurance company to settle his claim and make his loss good. But the insurance companys loss adjuster have observed that one greenhouse have collapsed due to weakening of the foundation from water seepage on the land from the adjoining neighbors field which was unaware to the farmer and the storm helped in the collapse of one greenhouse. The farmer was not at all aware of the foundations weakness problem due to the water seepage from the neighbors field beside his greenhouse. The farmer has not done anything to deliberately hide from the insurance company for taking the policy. The insurance company in such case has to admit the claim as there is no violations of disclosure as well as breach of contract or neither any fraudulent act. Legal case can be referred as Brotherton v. Aseguradora (2003). The greenhouse collapse due to seeping of wate r in the foundations; which is not exclusion of the specific nature. (b) The farmer was not at all aware that his second greenhouse is under risk due to damage out of defect in design. The other greenhouse was observed by the loss adjuster that its design was defective which was also unaware to the farmer and hence due to that drawback the greenhouse collapsed during the storm. The insurance company in this case needs to respect the claim due to various legal cases where it is judgment is done as that when any material fact was not violated or kept hidden from the insurance company at the time of taking the policy or during the policy running period then in such a case the insurance company cannot deny the insured off his claim. Hence the claim thus lodged by the farmer Jack is valid is supposed to be admitted and paid. Legal case can be referred as the case of Container Transport International Inc. v. Oceanus Mutual Underwriting Association (Bermuda) Ltd (1984). Specific exclusion cannot affect the claim thus lodged by Jack as the specific exclusion does not have any effect on this claim. And this is due to that in such cases specific claims will not have any effect as the case does not fall under the specific exclusion clause. Hence the specific exclusion clause should be more a specific one and not just a vague one as this cannot relate to the exact nature of this claim (Chapter 8). 7: The principal of indemnity assets when there is loss caused by accident to the property. The insured assets shall be put back to the place where it belongs to. This signifies that the insured shall not receive more than the actual amount of loss sustained. This policy of the insurance company is always subject to the term of sum assured. This can be put into much better terms; On the happening of the loss the insurer shall try to put back the insured into same financial position which the insured used to occupy before the loss. This can only happen if the insurance is properly arranged and it is done on the full value of the assets. There are two important terms dealing with such situations. There terms are Under-insurance and restrictive. The insured or the policy holder once sustains the loss; the sum insured is more than actual value of the assets, then the restrictive terms come in to play and the insured will receive only the actual amount of loss. If in case the sum assured is of higher amount than the actual property value, then even the insured will receive the money of actual loss. The principal of indemnity is carried on in the case of Mueller v. Western Union Insurance Co. (1974). The judgment highlighted some parts of contract insurance. According to the judgment the insured will be fully indemnified in case of contract insurance not accidental insurance and life insurance but the insured shall not be more than indemnified (Chapter 11). The selection of sum assured for the insurance company is an important part to indemnify the insured. The proper sum assured is the important part and it is the ceiling within which the indemnity will have to be considered. If it is not a total loss of the property then the insurer will pay proportionate amount which is corresponding the ratio between the sum assured and the actual value. There is no point in terms of the insurance terms to pay for the higher sum assured. The proper valuation of the asset has to be done before choosing the right some assured. Here in this case Mr and Mrs Hughes insured their property from ATK plc, a UK-based insurer. The sum assured of the policy is divided as following; Building: 300,000 General contents: 50,000 Fine art: 17,000 Jewellery: 10,000 Fire totally destroyed the building but some of the assets are recovered. The 10% of the general content has been recovered from the fire. During initiation of the process of indemnify the following things came in front of the insurer; The building was insured at the market price but to reconstruct such building the cost will be around 350,000. According to the insurance term the indemnity amount cannot cross the ceiling of sum assured, despite the building reconstruction cost at 350,000, Mr and Mrs Hughes will be indemnified with the amount of 300,000 as it is the sum assured amount. The value of the general content was 75,000 but the sum assured value is of the general content was 50,000. Mr and Mrs Hughes have been able to save 10% of the general content. Therefore the maximum indemnity amount will be 90% of the sum assured which is 45,000. The market value of the painting was at 12,000 when the asset was destroyed. The sum assured amount of the painting was of 17,000. The indemnity amount here shall not cross the value of actual loss which is the restrictive price below the ceiling of sum assured. Mr and Mrs Hughes will be indemnified with the amount of 12,000. 8:(a) The increasing trend of employers liability insurance (EL) is in rise. Despite the fall in reported number of injuries, the SMEs in UK have increased the level of claim for personal injuries of the employees. It is completely reasonable that the employees can claim for the damages caused in the workplace. Employers liability insurance is compulsory in UK business. The compulsory minimum level of insurance is 5m but most of the insurance companies are offering the insurance at 10m. The workplace need to have an accident book which will be used for recording all incidents. The information has to be recorded accurately. The liability of the employer increases as and when an employee meets with an accident. The safety issues of a workplace have to be taken on record by the insurance company before insuring employers liability insurance (EL). The safety standard of the work place has to be in accordance with the insurance company or else the insurance premium will have to be determined by the insurance company. Each and every employee working in the work place shall have to have duty of care against the other employee. Even an accident is caused by a fellow employee that can be pursued as a claim. The personal injury compensation caused by the negligence of fellow employee then doctrine of Vicarious Liability can be brought against the employer for the negligence (Chapter 12). In order to apply Vicarious Liability the negligence of the employee must be in course of his employment. The negligence of the other employee or self induced conflict and hurt can be compensated if it is proved that it has significant impact on the health of the other employee. In the case Page v. Smith (1996) House of Lords established the fact that the primary victim need only to show personal injury caused by the negligence of other employee. The impact of the injury is foreseeable or not is not deepened on the primary victim. Here in this case the personal injury caused by a fellow employee. If that injury was due to the negligence, then the primary victim shall have to be compensated for the injury. (b) The water damage has been caused by the plumber. The damage is worth of 1,500 to a household policyholder. The loss was not covered by the policy term. The important aspect of the policy term is that it will always be followed by the insurance company. Another important aspect of the case is that the policyholder is in breach of the unoccupancy clause. According to Donoghue v. Stevenson (1932) the damage caused by negligence is covered. The damage cussed by the plumber is not covered under the insurance term. As the insurance company will be bound to follow the terms of insurance, therefore policyholder will not receive the damage worth of 1,500. (C) The fire insurance protects the interest of the building owner. The principal of indemnity in general insurance comes in when the loss was caused by an accident. Accident is the term which cannot be done intentionally but negligence can be the reason for the accident. The insurance company shall have to put back the asset where it belongs to. The insured shall not receive more than the loss it sustained and there is one important term of sum assured also comes into play. The logic of the general insurance is to put back the insured into same financial position as it was before the loss. The valuation aspect is the important part of general insurance. The excess sum assured will not help the insured to claim the higher amount but the valuation of damage will come into play. According to Smith v. Colonial Mutual Fire Insurance Co (1880) two important terms Under-insurance and restrictive comes in case of indemnity. The damage here is caused by the tenant accidentally. The insurance cover is mainly to protect the property against any damage. The unintentional or the accidental damage is covered under fire insurance. Therefore the claim of 250,000 to a landlord whose property was damaged by fire is valid claim (Chapter 12). 9:(a) The importance of the contractual term is important to recognize the liability and the obligation. Here in this case it can be found that the contractual term has the binging to bring it to the attention of the other party. The injury to the party is one important aspect of the contract law. The visitor visiting the area had no such option to see the terms of visiting the place. According to Chapleton v. Barry UDC (1940) claimant can ask to the compensation as he was not been aware of the terms of visiting the place or he neither been made aware of that. Here in this case the car part had sign with a disclaimer notice. There will be no repudiating all liability relating to visiting the place. The obligation of the management or the owner of the premises is to ensure that the place is protected and every visitor is made aware of the situation that can cause injury to the visitor. The role of the owner is not restricted; he has to play an important role in handing the situation. If the visitor is not made aware of the situation, the he will have to pay compensation for the damage. Here in this case there was a caution board in the parking place. The visitor was aware of the risk but still he could not avoid the accident that inflicted damage. The visitor has to be cautious against such risk. The board limits the responsibility of the owner to pay for the damage caused to the visitor. The caution was good enough to aware the visitor about the damage and its obligation. The responsibility of the owner was well shared but the visitor could not help him to save from the accident. Here the damage is caused by the uneven surface and hence visitors have no claim (Chapter 4). (b) Here in this case DEF plc shorted fuel but accidentally an escape of fuel from the tank caused severe damage to the property of neighbor. The tanks were in good shape but still the oil escape has caused damage to the property of the neighbor. This is an important responsibility to be shared by the company. The responsibility comes with the tort part. The company cannot avoid from the payment of compensation. The extra cushion should have been taken by the company to protect the fuel tank. The negligence on the part of the company as it was sure of the quality of the tanks and therefore did not give careful consideration about the tank and the risk involved in escaping oil. The escaping oil has significant impact on the neighbor and that inflicted damage. This is a significant part which needs to be dealt with. The company has to pay for the damage it caused due to negligence. This case is related to the Tort cases. The negligence is important here that is the prime cause of the incident. Occupiers Liability Act 1957 does allow that person may exclude liability caused by the negligence only if it can prove that the exclusion was reasonable. The important aspect of the law is to be followed to understand the relation between the damage and the negligence. According to Smith v. Eric S Bush (1990), the negligence of DEF plc cannot be denied. Therefore it is important establish the damage and the compensation caused by the damage. (c) The food poisoning is has significant liability including the criminal liability. Here in this case DEF plc which is the manufacturer of foods has found out that recent manufactured foods were poisoned. The reason of food poisoning can be tracked to the stock of the foods received from the supplier. There cannot be an exclusion of DEF plc on the ground that the raw material was contaminated or poisoned. Each and every company supplying food or manufacturing food needs to take the extra burden of quality checking. The lab testing of foods and the raw materials are important practice that each and every company shall adopt but it was not applied by the company. The food poising case was registered against the foods prepared and supplied. The need was to ensure that food does not harm citizens. Here due to negligence of the company poisoned food caused great damage. The liability of the company increases significantly and this liability will not be limited to paying of compensation. The duty of care automatically comes to the manufacturer. The testing of the product was important before releasing to the market and even the stock should have been texted before the manufacturer. The responsibility of the quality rests with DEF plc. According to the judgment of McLoughlin v. OBrian, the responsibility of the manufacturer is to ensure the quality of the product to be manufactured or suppli ed. The duty of care shall be there. (Chapter 8 and 11) 10: The duty of care is important aspect of the business. The construction company should have ensured the fact that it can deal with enough responsibility to provide good quality construction. The warehouse was damaged and cracks came in the warehouse. The responsibility of the owner was so significant. The owner insured the property. The insured property if impacted by any damage insurance company shares the responsibility of paying for the damage. Here the damage was caused by the negligence of the builder but the owner of the property will receive the insurance claim as he insured the property and the insurance company saw the quality of construction. The loss caused by the damaged will be indemnified. The principal is motioned in the case of Castellain V. Preston (1883). The judgment highlighted some parts of contract insurance. The duty of care is with the construction company while putting up the structure. The testing of the product was important before releasing to the market and even the stock should have been texted before the manufacturer. The warehouse was built by DFK plc. The cracks in the wall have to be insured. The important aspect of the insurance business is to ensure that loss caused by the damage has to be indemnified. The judgment pointed out the fact that the insured will be fully indemnified in case the property is damaged but important fact of the indemnity is that the insured shall not be indemnified more than the loss. The construction company has its responsibility. The warehouse construction is insured by a UK-based insurer. The need was to ensure that food does not harm citizens. Here due to negligence of the construction company it caused damage to the property. The liability will increase significantly and should not be for paying compensation. The reason for the loss of the assets has to be verified and the loss caused by the negligence of the builder shall not go unnoticed. The damage caused by the crack in the building can be indemnified by the insurance company (Chapter 8, 11 and 12)