J3 Places Insurance on £24M AMA Homes Residential Project

J3 Advisory was instructed by AMA Homes to place new building warranty insurance on its £24m Belford Road scheme in Edinburgh. The insurance will provide cover for any damage as a result of defective design, workmanship, or materials after practical completion.

AMA has been at the forefront of residential and commercial development in Edinburgh for over 35 years, having converted many iconic properties, and created landmark buildings that have helped shape the city’s architectural landscape.

This insurance will enable the developer to proceed with plans for the redevelopment of the site to 78,000 sq. ft of residential space and 44 car parking spaces on-site and provide a 10-year cover.

Head of business development, Daisy Neall, was able to secure quotes from two additional A-rated insurers, adding to the terms AMA Homes received directly before engaging J3.

J3 Advisory managing director Jack Bristow added, “We’re an ambitious business, and our aim is to advise experienced developers on the best way to insure and fund their pipeline of schemes. There is a very real gap in the market to deliver best-in-class advice on large-scale projects, coupled with full access to the LDI providers. That offering being led by Daisy, who has been on the frontline with developers for more than five years, is a truly powerful offering.”

Murray Faughnan, Architectural Technologist for AMA Homes added, “Having already made enquiries for the warranty on Belford, I was fairly certain our path was set. However, Daisy was composed and confident that she could make a positive impact on our search for the right warranty provider, and she delivered on her promise with aplomb.”

J3 Advisory Overview

J3 was launched to fuse structural defect insurance and funding for the betterment of its clients. In doing so, the team continues to deliver a combined and impressive net result: to save their clients’ valuable time and provide them with peace of mind.

So far, we have placed structural warranty insurance on a number of projects – the more notable cases include a £17m residential scheme in East London & structural warranties on £26m worth of developments across Skillcrown & Epicho Homes.

Business Insurance For Restaurants

There’s no business quite like the restaurant business –fast-paced, tons of maintenance, great skill, and even cutthroat at times. If something goes wrong or happens, there can be a lot of damage. Fortunately, business insurance comes in all shapes and sizes. Restaurant insurance, as it is simply called, is a bundle of commercial coverages that are ideal for running an eatery without any fear of a mishap or hazard shuttering your doors and draining your profits. This post also looks at some of the best types of business insurance for such establishments.

Basic Business Insurance

Every business, restaurants included, have to at least carry a business owner’s policy which includes the following coverages:

  • Bodily injury liability – If a customer is injured on your grounds or in your establishment, this business insurance covers any medical treatment they may need as a result. 
  • Liability coverage – In a restaurant, food can make some customers sick. Extended liability coverage continues to help provide finance for the ensuing treatments that may be longer than expected. 
  • Property damage – Restaurants have a lot of furniture, often more than the average business, so good restaurateurs would want all of it covered. That is where the property damage coverage comes in.  

Best Business Insurance For Restaurants

When it comes to restaurants, there are several different specific types of insurance for industry-related hazards. They are:

  • Income and extra expense coverage – If your restaurant must close for a period of time, this coverage can help make up for any lost income during this time, usually up to a year while repairs or modifications take place. 
  • Building and personal property coverage – This is the coverage that would insure you for said repairs or modifications of your restaurant. This coverage is often used for replacing broken parts of the property –including contents and structures. 
  • Employee dishonesty coverage – If an employee steals money from the business or restaurant, this business coverage will insure for any losses because of it. 
  • Equipment breakdown coverage – You have dishwashers, ovens, stoves, and so much more in restaurant kitchens. If one of them breaks down, you can lose business and money in repairing it. Some machines you can’t operate without like your refrigerator. 
  • Spoilage coverage – If you arrive at work and, in fact, find that your refrigerator wasn’t working and your food spoiled, that can be especially damaging to your business. Spoiled food reimbursement can be bought with spoilage coverage. 
  • Food contamination coverage – This coverage can help you prevent food contamination leaving the kitchen and prevent a big liability insurance claim. Machine cleaning and food replacement are all included.    

How To Make Sure You Do Not Get Swindled By Insurance

No one wants to get swindled by their insurance company, but it can be tough to know what to watch out for. In this blog post, we will discuss some of the most common ways that insurance companies try to take advantage of their customers. We will also provide some tips on how to make sure you do not get ripped off. So, whether you are shopping for insurance for the first time or just want to make sure you are getting the best deal possible, read on!

Policies With High Deductibles

One of the most common ways that insurance companies swindle their customers is by selling them policies with high deductibles. A deductible is the amount of money you have to pay out of pocket before your insurance company will start paying for your medical expenses. Many people think that they can save money by choosing a policy with a high deductible, but this is often not the case. In fact, you may end up paying more in the long run if you have to meet your deductible multiple times.

Namely, if you want to be absolutely sure you are receiving the best support and information from insurance, there are now AI auto insurance options as well. In this case, you are using technology to get a hold of the best insurance deals and be sure that you will not be swindled in any way.

You may also be tempted to choose a high deductible because you think it will make your monthly premiums lower. However, this is not always the case. In some instances, insurance companies will offset the lower monthly premium by increasing the deductibles. So, be sure to read the fine print before you commit to a policy.

Pre-Existing Conditions

Another way that insurance companies take advantage of their customers is by refusing to cover certain pre-existing conditions. A pre-existing condition is a medical condition that you had before you applied for the policy. In some cases, insurance companies will not cover any expenses related to a pre-existing condition. In other cases, they may only cover a portion of the expenses. This can be very frustrating for people who have pre-existing conditions and need insurance coverage.

If you have a pre-existing condition, it is important to shop around for an insurance company that will cover your condition. You may also want to consider getting a policy through the government’s health insurance marketplace. The marketplace offers policies from different insurance companies, and you may be able to find one that covers your pre-existing condition.

Some Insurance Agencies Refuse To Pay Claims

Another way that insurance companies take advantage of their customers is by refusing to pay claims. If you have a valid claim, your insurance company should pay it. However, some companies will try to find ways to avoid paying, such as by saying that your claim is not covered by your policy. If you think your insurance company has wrongfully denied your claim, you should contact an attorney who specialises in insurance disputes.

For example, let’s say you are in a car accident and you have to go to the hospital. Your insurance company may try to deny your claim because they say that your injuries are not severe enough. However, if you have an experienced attorney on your side, they will be able to fight for you and make sure you get the compensation you deserve.

Beware Of Door-To-Door Salesmen

Another way that people get swindled by insurance companies is by buying policies from door-to-door salesmen. These salesmen are often not licensed and they may be selling fake policies. If you are thinking about buying insurance from a door-to-door salesman, make sure to do your research first. Instead, you should always get quotes from multiple companies before you make a decision. This way, you can be sure you are getting the best deal possible.

Moreover, if an insurance salesman comes to your door, do not let them in. Instead, ask for their business card and tell them you will call the company they work for. Once they are gone, look up the company online and see if they are legitimate. If you can’t find anything about the company, it is probably best to avoid doing business with them.

Raised Premiums Without Justification

Finally, insurance companies often try to raise premiums without justification. If you have been with the same company for a while, they may try to raise your rates every year, even if you have not had any accidents or made any claims. If you think your insurance company has unjustly raised your rates, you should shop around for a new policy.

The raised premium may not be a lot, but over time, it can add up to a significant amount of money. One way to uncover if your insurance company is doing this is to get quotes from other companies. If you find that you are paying significantly more than others, then it is time to switch insurers.

To conclude, remember to always read the fine print before signing up for an insurance policy. In addition, be aware of common scams that insurance companies use to take advantage of their customers. If you are ever in doubt, always consult with an attorney who specialises in insurance disputes. By following these tips, you can make sure you do not get swindled by your insurance company.

A Guide on How Fault Is Determined After a Car Accident

When a traffic collision occurs, one or more vehicles collide with one another. Determining who was at fault is quite tricky. There are various factors that need to be considered before fault can be determined. Fault can be determined at the scene of the accident through a police report, by insurance companies, or in court.

Accidents are more common than you imagine, and you may inevitably get involved in one. Annually, millions of reported crashes occur that lead to injury, death, or just property damage. But even those with only property damage tend to be complicated and painful.

These traffic collisions involve complicated legalistic processes with complicated words, at-fault fighting drivers, and greedy and money-grabbing insurance companies. What will actually happen and the amount you receive as compensation depends on the laws of the area where the accident occurred.

When it comes to determining the fault after a car accident, there are some ways you can go about this. So if you are wondering about how is fault determined in a car accident?” then continue reading to learn all about this.

1. The drivers involved in the collision

The drivers involved in the accident can decide who was at fault by giving their statements when they are at the scene. Usually, drivers involved blame one another for the accident.

But sometimes, the accident shakes up drivers so much that they put the blame on themselves in the spur of the moment.

They admit fault by saying things like “I did not see the sign” or “I did not see the vehicle,” etc. And this is usually never a good idea because things you say will be held against you later on, and you will be unable to recover the compensation you deserve.

So if you are wondering “what can you do right after an accident?” then it’s simple. Follow the below tips to keep your rights protected.

  • Take pictures, and record videos of the scene of the accident, damaged vehicles, and the location where it occurred.
  • Note down the location, time of day, road conditions, and weather conditions at the scene of the accident.
  • Record names, phone numbers, and other contact information like their licenses and insurance ID cards of the other drivers.
  • Also, note down the model and make of the vehicles involved.
  • Take contact information from the witnesses present at the scene and also record their statements.
  • Don’t talk unnecessarily with the drivers and other people at the scene and wait for the police to arrive.
  • Record your statement to the police and hire a lawyer as soon as you can.

2. The police report

As soon as an accident occurs, the police are called in. When they arrive at the scene, their job is to determine casualties and call for medical help if needed. It is also their job to assess the scene of the accident to record the damage done to vehicles and their location; this will make it clear as to who caused the accident.

For instance, if a vehicle was stopped due to a red light and crashed into from behind or a vehicle that swayed past the stop sign and T-boned the other vehicle, then the question “who was at fault?” can be easily answered.

In addition to this, distracted driving or reckless driving could have caused the accident. And this is why they also take witness statements as well as the drivers and passengers of the vehicles. So the questions asked by the officers should be answered correctly as they will be similar to the questions asked in court.

So make a mental note or record your statements down so that your story is straight before you answer the officers. Even though the police report is not flawless, it is still a public document that will be read by everyone involved.

In case the police did not show up, then it’s your duty to file the accident report in person at the nearest police station or online.

This police report will also help you if more injuries or damage to the vehicle comes to notice than previously thought, or if the other party decides to sue you for the injuries and damages. And you also need this report if you want to file an insurance claim.

3. The insurance companies

With advancing technology, filing insurance claims is becoming easier, along with the pictures from the accident. The algorithms make it easier to determine the damage. Once claims have been found with respective insurance companies, the insurers will decide the result.

You can also file a claim for the damage to your vehicle if you have collision coverage. If the other party is at fault, then your insurance company will seek compensation from the other party’s insurance company in the process of subrogation.

In this process, your insurance company will ask the other driver’s insurance company to reimburse for the collision claims so that you can get a refund of deductibles. But this process can be taxing and unpleasant because only some insurance companies want to settle; others will try to get away with paying you nothing.

4. The negotiations

When the insurers cannot agree or settle on one amount, then the case is usually resolved through arbitration. A private company resolves the disputes by determining the extent of the damages and who will pay what.

Large insurance companies usually solve the case using this method. Through arbitration, the number of lawsuits is greatly reduced, and the process becomes easier and less costly for insurance companies. This whole process is done electronically, thus ensuring more efficiency.

5. The court

If negotiations do not work and a settlement is not reached, then the case will go to the court, where the jury decides your fate. Once they reach a decision, even the court cannot change the facts. However, only a number of cases get this far, with only 1 to 2% of the claims pending in a lawsuit.

This is because bringing the case to court and in front of the jury is expensive and time-consuming. So most of the cases are settled before the trial unless a lot of expenses and money are at stake. In addition to this, there is a standard known as “contributory negligence,” which means that you as the plaintiff may also have contributed to the traffic collision.

Even though your vehicle was crashed into by the other driver, if you had been more attentive, you could have switched lanes and avoided the accident. In other words, if you may have contributed even a percent to the accident, then you cannot sue someone else due to “contributory negligence.”

In some areas, the “comparative fault” standard is used more often, in which the fault is portioned between the drivers involved depending upon how much they contributed to the accident.

For instance, if it was determined that the other driver was 80% at fault for the accident, then you can recover this much for the damages. But the other driver can choose to sue you for the 20% of the collision you were responsible for.

Then there is another standard, “modified comparative fault,” where the more at-fault party cannot recover anything from the other party involved in the accident. So if you are more than 50% guilty of the accident, then you cannot recover anything.

And this becomes more complex when multiple vehicles are involved in a traffic accident. This all be very confusing, which is why you need to hire a lawyer from Kendall Law Firm – Harrisonburg, VA, who will accompany you throughout the trial and help you recover the most you can.

What to do after a traffic accident?

It is imperative that you know what to do after you become involved in a traffic accident. It is important to remember that you should not make it easier for the other party, as well as their insurance company, to put the blame for the accident on you. And so this is why you should avoid unnecessary talking and never admit fault even if you think you are somewhat responsible.

You should also gather evidence when you are at the scene of the accident. Take pictures and videos of the scene of the accident, damaged vehicles, and the area. Also, note down the contact information, including the number plate, license, and insurance ID of the other drivers. In addition to this, don’t forget to take contact information from the witnesses as well as their statements about what they saw happening.

It’s advised to consult with a good lawyer as soon as you can to talk about your case, the legal options you have, and what you can do to recover compensation. A knowledgeable and experienced lawyer will know how to handle your case.

They will collect evidence to investigate who was at fault, negotiate with insurance companies on your behalf, file paperwork before deadlines and abide by the statutes of limitation.

The bottom line

Being involved in an accident is not a good experience; far from it, it is devastating and overwhelming. This is why you need to know what you should do after you are involved in an accident. Knowing this will help you protect your rights and allow you to recover compensation for your injuries and damages.

The one who was at fault in causing the accident will be liable to give compensation to the driver who caused injury and damage to. If you were involved in a traffic accident recently, then a lawyer will help you out no matter how it occurred. They will help you seek the financial compensation that you deserve for your injuries and damages. So get in touch today.

Get Life Insurance Sales Leads With These 8 Strategies

Are you looking for life insurance sales leads? If so, you’re in luck! In this blog post, we will discuss 8 different strategies that you can use to generate leads for your life insurance business. Some of these methods are tried and true, while others are a little more innovative.

But no matter what approach you take, we promise that you will be able to find success if you put in the effort. So without further ado, let’s get started!

Buy Them

One of the easiest and most effective ways to get life insurance leads is to simply buy them. There are many reputable companies out there that sell leads, and if you’re willing to invest the money, this can be a great option for you. Just make sure that you do your research before buying, as some companies sell outdated or inaccurate information.

You can choose specific criteria when buying leads, as explained by this amazing team at dirtcheaplifeleads.com, such as age, location, or income level. When you have high-quality leads, it makes the rest of the sales process much easier.

Use Social Media

If you’re not using social media to generate leads for your life insurance business, you’re missing out! Social media platforms like Facebook and LinkedIn are great places to start. You can use them to connect with potential customers, build relationships, and eventually sell them life insurance policies.

Just make sure that you’re being professional and providing value, rather than constantly selling to people. No one likes to be sold to, but everyone loves getting valuable information.


Paid advertising is another great way to generate leads for your business. You can use platforms like Google AdWords or Facebook Ads to target potential customers with ads. Just make sure that your ads are relevant and interesting, or else you’ll end up wasting a lot of money.

When your potential customers see your ad, they should be intrigued enough to click through and learn more about what you have to offer.

Try Cold Calling

This one may not be for everyone, but cold calling can definitely be effective if done correctly. You’ll need to have a strong script and a thick skin, as most people will hang up on you when you first start calling. But if you can persevere, you may just find a few interesting leads. Just make sure that you’re following the do-not-call list, or else you could end up in some hot water.

In addition, don’t waste people’s time by talking to them for too long. Get to the point and see if they’re interested in learning more. If not, move on to the next call.

Host Webinars

Webinars are a great way to generate leads because you can offer a lot of value in a short amount of time. People love learning new things, so if you can host a webinar that teaches them something valuable, you’ll be sure to generate some leads.

You’ll have to promote your webinar beforehand, but once you get people to sign up, you’re well on your way to generating some quality leads.

Try Networking

If you want to generate life insurance sales leads, networking is a great option. You can attend local events or join relevant online communities. Once you’ve made some connections, you can start building relationships and eventually selling them life insurance policies.

Just make sure that you’re providing value first and not just trying to sell to people. In addition, don’t forget to follow up with your new contacts after you meet them.

Join Insurance Associations

Insurance associations are a great way to meet other insurance professionals and learn about the latest industry news. They can also be a great place to generate leads. Many associations have events where you can network with potential customers, so make sure to take advantage of these opportunities.

You can also offer to give presentations or workshops at these events, which will help you generate even more leads.

Offer Free Advice

If you want to generate life insurance sales leads, one of the best things you can do is offer free advice. People love getting free information, so if you can provide them with valuable tips, you’ll be sure to generate some leads. Just make sure that your advice is relevant and helpful. In addition, don’t forget to promote your free advice through social media and other channels.

By following these eight strategies, you should be able to generate a steady stream of life insurance sales leads. Just remember to focus on quality over quantity, and you’ll be sure to succeed. Which strategy will you try first? We wish you the best of luck!

A Traffic Offender’s Guide To SR22 Insurance – UPDATED 2022

If you’ve been cited for a traffic offense, you may be required to obtain SR22 insurance. SR22 insurance is a type of liability insurance typically required for drivers who have been convicted of DUI/DWI or other serious traffic offenses.

While SR22 insurance can be expensive, it is a necessary expense for those who want to maintain their driving privileges. Here’s what you need to know about SR22 insurance and how it can help you stay on the road.

What is SR22 Insurance?

SR22 insurance is a type of liability insurance required by the state to reinstate a driver’s license. It is typically required for drivers who have been convicted of DUI/DWI or other serious traffic offenses.

SR22 is not a typical insurance policy but rather an endorsement that must be added to an existing auto insurance policy.

Saving Money On SR22 Insurance

SR22 insurance is a high-risk car insurance policy required for drivers who have been convicted of certain traffic violations. If you are required to carry SR22 insurance, you may be wondering how you can save money on your premiums.

Here are a few tips to help you get the most affordable coverage:

  • Shop around – When it comes to SR22 insurance, not all companies are created equal. It’s important to compare rates from multiple insurers to find low SR22 insurance for your needs.
  • Consider dropped coverage – If you have SR22 insurance, but your driving record has improved, you may be able to have the insurance dropped. This can significantly lower your premiums.
  • Ask about discounts – Many insurers offer discounts for completing a defensive driving course or maintaining a clean driving record. Be sure to ask about any discounts that may be available to you.
  • Raise your deductible – If you are willing to pay a higher deductible, you may get a lower premium. If you have a good driving record and are not at high risk for accidents, this is something to consider.
  • Pay your premium in full – Many insurers offer a discount for drivers who pay their premium in full. This can help you save money on your SR22 insurance.

How Much Does SR22 Insurance Cost?

The cost of SR22 insurance varies depending on the state in which you live and the insurance company you use. However, it is typically more expensive than a standard auto insurance policy.

What are the Benefits of SR22 Insurance?

SR22 insurance protects you and your passengers in the event of an accident. It also covers any property damage that may occur due to an accident. Additionally, SR22 insurance is typically required by the state to reinstate your driver’s license.

What are the Drawbacks of SR22 Insurance?

The main drawback of SR22 insurance is the cost. It is typically more expensive than a standard auto insurance policy. Additionally, it may be difficult to find an insurance company that offers SR22 insurance.

How Do I Get SR22 Insurance?

SR22 insurance can be obtained through most insurance companies. You will need to provide the company with your driver’s license number and the date of your conviction. Once you have obtained SR22 insurance, you will need to maintain it for three years.

Is SR22 Insurance Required in all States?

No, SR22 insurance is not required in all states. However, it may be required in certain states if you have been convicted of a DUI/DWI or other serious traffic offenses.

If you have been convicted of a traffic offense and need to file an SR22, shop for the best rates. You can save money by comparing quotes from multiple providers. Remember, an SR22 is not actual insurance, so make sure you get coverage for your needs.