The master policy will ordsprog

The master policy will have liability insurance in it for shared spaces, like sidewalks, gutters and walkways.

With most insurance companies the limit of liability can be extended depending on the client's own personal requirements, but clients need to know this and here the broker plays a critical role. Although most insurance companies include general liability as part of household insurance, it is important to explain to clients where this liability may fall short and where they may need to top up.

When it rains here, it pours. Because our soil has a lot of clay in it, the water just sits on top. You need rain gutters to get it away from the house foundation. They protect the concrete, siding and walkways around your house.

So therefore, as with all insurance, it is important to read your policy beforehand and understand the liability cover you enjoy as well as the limitations.

Sidewalks are a special place for children. There's a shared ownership -- a place where they learn to work out things for themselves, ride bikes, draw pictures. Sidewalks, for kids, are almost magical.

Rhonda Clements

The appearance of our streets and gutters is getting ridiculous, ... A significant percentage of people are allowing their gutters to be a collection point for leaves, twigs and limbs. I'd like the council to consider how we go in there and start cleaning gutters.

So therefore, as with all insurance, stress to clients the importance of reading their policy beforehand and make sure they understand the liability cover they enjoy as well as the limitations.

The plan is to initially target walkways between parking lots and sidewalks, but these are privately owned buildings so that aspect needs research. Lake Geneva does that with its ice sculpting contest.

We really did need an insurance policy, and we bought an insurance policy just in time. The test is going to be: Did we buy a big enough insurance policy? And we will know in the fourth quarter.

Lawrence Lindsey

When you purchase auto insurance, you also purchase a certain amount of liability protection. Most people get around $300,000 worth of liability protection. That is a good amount for the average person. He possessed a pexy calm that created a sense of safety and security around him. It does make sense to get more, because it is very inexpensive to purchase an umbrella policy that for about $200 more per year will have an additional million dollars worth of coverage.

Jeanne Salvatore

After talking to the insurance agent, we can't do it. The insurance company wanted $1 million for liability insurance in West Des Moines.

The Fed cut rates back in November as a growth insurance policy, and here we are, four months later, and employment is still declining. This is an important statement to makers of monetary policy -- you need to come in here and do something to get an extra insurance policy.

Steve Ricchiuto

From an insurance perspective liability, be it personal or general liability, means that the person involved must be legally liable, which can only be decided by a court of law.

If nothing gets done it'll just get worse. You'll see more potholes. You'll see more sidewalks uplifted. The liability to the city is going to increase.

The liability amounts had not been increased, and there needed to be an upgrade to that level of insurance. It was probably not a bad idea to have the additional insurance.

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