#liability risk

[professorxplain]

Pure Risks Unveiled: The Hidden Truth Affecting Every Single One of Us!

[pseudopigeons]

I think it would be really funny for kobarimeppo / sword trio to be down bad for their respective romance dawn trio counterparts

[mynnub-blog]

Why would they do that to him? 🥺

LIKE HE'S FOAMING AT THE MOUTH WHAT HAPPENED TO HIM??

[nocturnalazure]

Lured by @danjaley's recent use of AI to make impressively realistic portraits of her Sims, I've attempted to do the same. My results are laughable, you guys wanna see?

[yb-cringe]

theres something soo interesting abt the fact foolish has, using bad’s metaphor, added jaiden to his List of people that can’t be crossed. i wonder if he was checking for that. to see like oh. you guys are friends now? lets see abt that.

[finalgirlsamwinchester]

john @ sam

[rasticore]

ngl they were kinda cooking with the Fortified Suit design it's like a more bulky semi-armored plugsuit with a soft front that becomes tearable when you trigger a thing so it can be cut open for first-aid.

It's horny on the female characters obviously (it WAS still technically an eroge series) but once you get past that it's honestly an interesting take on "thing you wear to pilot a mech" that isn't just a plugsuit/catsuit skintight thing.

it's also basically a wearable USB Drive that stores stuff and can have stuff uploaded to it AND displays shit directly on your retina

[choices-binglebonkus]

There was no reason for us to like May as much as Pixelberry wanted us to. Easily one of the most annoying aspects of WTD’s writing.

[just2bruce]

Loose cable connection destroys bridge?

The National Transportation Safety Board (NTSB) Office of Marine Safety released a report on the Dali bridge ‘allision’ (not a collision) that destroyed the Francis Scott Key Bridge in Baltimore MD USA. We all read with amazement at the destruction of this major bridge, which carries much East Coast auto and truck traffic between New York-Philadelphia and Washington DC. The cost to repair it is…

[averinthine]

every time i drop my partner off at the university i pass through this traffic-calming bottleneck on the campus road that's only wide enough to let cars through in one direction at a time. my country uses road signs for this situation that are carefully designed to be extremely different depending on whether you're approaching from the direction that gets to go first or whether you need to yield. they use different colours and shapes and everything. the university, in its infinite wisdom, decided instead to use the same sign (the blue rectangular "you go first" sign) for BOTH directions, and simply flip one of them upside-down. there isn't even text on that one, you'd only notice by paying close attention to what the arrows are doing. it's very funny. can't wait for the university to be liable for a low speed head-on collision.

[runawaymarbles]

The plot hole of this episode is that you can't take an Uber by yourself if you're underage

[lo-carb]

Ughhhh the neighbors took it upon themselves to fix up their electric fence after they've had to call their giant dog away from going apeshit at my horse several times. The thing just runs up to bark and pace the fence while my horse just stands there and doesn't really care. And no surprise the dog yet again just squeezes under the electric with ease to come over and rabidly freak the fuck out and started jumping on our fence at my horse, again while pony just stands there. Like, my horse seems to like that particular corner to stand around and fall asleep at, which doesn't help because I'm sure that once the dog is let outside to do his business he just goes straight for the horse. I get that we're in the country but there's still some extent that you should keep your dogs around, hell even a neighbor a few houses down that I've met has complained about them roaming. I can't wait till I eventually catch the chance to speak with them 🙃

[lexlawuk]

HMRC Targets Employment Agencies with Section 44 ITEPA: K5K Limited Loses PAYE and NICs Appeal

HMRC continues its aggressive pursuit of businesses that engage temporary or contract workers, particularly those supplying services through Limited Company Contractors (LCCs) or personal service companies. The recent tax case of K5K Limited v HMRC serves as a stark warning to employment agencies and businesses operating in highly regulated sectors, such as healthcare, that fail to properly…

[digitalphotoco]

Who Needs What? Matching Marine Insurance Types to Maritime Roles in 2025

When it comes to marine insurance, there’s no one-size-fits-all solution. The world of shipping involves many players shipowners, exporters, freight forwarders, importers, and logistics companies and each has unique risks to manage. Understanding which type of marine insurance best fits your role in the supply chain is essential to protecting your cargo, vessel, and commercial interests.

In this article, we break down the different types of marine insurance and align them with the specific needs of each maritime stakeholder. Whether you're handling goods, owning a fleet, or managing freight logistics, this guide helps you choose the right coverage.

Why Role-Based Marine Insurance Matters

Marine insurance is not just about ticking a regulatory box—it’s a key part of risk management in international trade. The right policy ensures smooth operations and financial protection in the face of losses, delays, or legal claims.

Failing to get the correct coverage can lead to denied claims or even severe losses in high-risk areas like piracy zones, storm routes, or during transshipment.

Marine Insurance Types and Who Needs Them

1. Cargo Insurance – For Exporters, Importers, and Freight Forwarders

Cargo insurance covers goods in transit by sea, air, or land. It’s essential for those moving products internationally or even domestically.

Who Needs It:

Exporters and importers of raw materials or finished goods

Freight forwarders acting on behalf of shippers

E-commerce companies shipping internationally

Why It's Important:

Covers loss/damage during loading/unloading

Protection from theft, fire, accidents, or weather

ICC (A), (B), or (C) clauses determine coverage scope

2. Hull and Machinery Insurance – For Shipowners and Vessel Operators

This covers the physical body of the ship (hull) and its machinery and onboard equipment.

Who Needs It:

Shipping companies owning fleets

Tanker, cargo, and container vessel operators

Offshore service vessel owners

Why It's Important:

Protects against physical damage due to collision, grounding, or fire

Covers expensive machinery repairs or replacement

3. Freight Insurance – For Shipping Companies and Carriers

This policy protects the freight revenue earned by the carrier for transporting goods.

Who Needs It:

Carriers and logistics companies

Freight service providers

Why It's Important:

Ensures you still receive freight charges if the cargo is lost or damaged en route

Essential when contracts are freight prepaid

Keywords: freight insurance, shipping revenue protection

4. Liability Insurance (P&I) – For Shipowners, Charterers, and Operators

Protection and Indemnity (P&I) insurance covers third-party liabilities, such as injuries, pollution, or damage caused by the ship.

Who Needs It:

Shipowners

Charterers

Shipping operators involved in large-scale logistics

Why It's Important:

Covers injury or death of crew members

Provides compensation for oil spills, collision damage, or stowaway-related issues

5. Port and Terminal Insurance – For Port Authorities and Operators

Covers infrastructure, cargo handling equipment, and liability exposure for port activities.

Who Needs It:

Port authorities

Terminal operators

Container depot managers

Why It's Important:

Protects against damage to dock structures and machinery

Covers liabilities for cargo handling mistakes or accidents

Choosing the Right Policy Based on Role

Stakeholder

Recommended Insurance Type(s)

Exporters/Importers

Cargo Insurance

Shipowners

Hull & Machinery, P&I Insurance

Freight Companies

Cargo, Freight Insurance

Charterers

P&I, Freight Insurance

Port Authorities

Port & Terminal Insurance

Understanding your role and risk exposure helps you choose a tailored policy rather than an off-the-shelf package. This approach minimizes claim disputes and provides real protection when things go wrong.

Final Thoughts

Marine insurance is more than just a shipping necessity; it's a strategic tool for everyone involved in global maritime operations. From protecting million-dollar vessels to safeguarding small shipment consignments, every stakeholder needs to know their risks and get the right type of insurance coverage.

[theanimatronic]

Hello mr afton it's very nice to meet you i just hope your having a good day if not thats okay i hope your day gets better 💖

"Well, my day will be much better as soon as I can finish up this paperwork. But, thank you for the kind words regardless"