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Do you know that if you are going to organize an event you need Civil Liability Insurance for Events? With the arrival of summer and the good weather, the parties, festivals, outdoor activities, events and hangouts begin.All kinds of group leisure activities proliferate, whether by individuals or by companies and associations, and to organize them it is very likely that you must be insured.

If you have considered organizing an event, have you thought that you have an obligation to protect all those who participate in it from possible incidents? Do you know that you acquire a responsibility as an organizer that you must cover? Increasingly, municipalities require the contracting of civil liability and accident insurance for the celebration of all types of events. Whether you are private or professional, find out when you are obliged to take out Civil Liability Insurance for events and some of info here if you love to know about Tesla insurance cost then you can find here more info here.


When we talk about events we refer to an endless number of different activities: excursions, camps, sports activities, student exchanges, fairs, concerts, weddings, congresses, street parties, festivals, car or motorcycle rallies, etc. Although many of these activities are organized by individuals and associations, more and more people are dedicated to organizing events professionally and carry out this activity frequently.

Many of the events are held in a public space and it is a mandatory rule for municipalities to impose the contracting of civil liability insurance to be able to carry out the act or celebration. If we talk about private spaces , the owners of the premises usually impose the hiring of these coverages  to safeguard themselves from possible damages caused to the premises.

The obligation to contract these insurances is expanding so much that not only the organizer is obligated. Many times the people or artists who participate in the events are asked to have their own insurance.


Today civil liability insurance is mandatory throughout Spain for any event you have to do , even if it is an event of a few hours or days. Every city council obliges any association, individual or company to have civil liability insurance that covers the guarantee of material damage and damage per victim.

You can contract this insurance with any insurer and it will help you to have protection in case of causing damage to third parties during the celebration of the event. It will protect you against possible claims and costs that you must assume.


The civil liability insurance that a municipality has may or may not cover your responsibility as the organizer of the parties. If you want to know for sure how far the coverage of the policy goes, it is best to read all the general conditions of the same.

Depending on how the contract was negotiated, this type of activity will be included or not. Not all municipalities can negotiate complete insurance and not all insurers can cover all kinds of events and all kinds of people.

Accident insurance : accident insurance is not the same as the organizer’s civil liability insurance . Normally accidents (injuries, death or disability) that occur during the event are not covered in a civil liability policy, they must be added additionally.

The coverage of a civil liability insurance is: material, personal or property damage caused to third parties by the insured or his dependents, the payment of compensation for such damage or for events arising from his private or professional life, the constitution of bonds and legal costs required of the insured, protection and legal defense, criminal defense and claim for damages.


We advise you to contact the town hall of the town where you are going to celebrate the event to find out what coverages you are required to contract. Although, as we have already told you, it is becoming more and more common for municipalities to at least oblige to hire a civil liability policy for this type of act.


Depending on your professional activity and the number of events you are going to organize, it will be more worth taking out annual insurance or for each event. If you only need it for one or a few events, it will be better to take out insurance for each celebration you hold (for days or hours), its price will depend on many factors, but they are usually cheap insurance.

If you dedicate yourself professionally to organizing events or you do it on a regular basis, an annual insurance will be cheaper and it will be easier for you to manage. In addition, it will cover any unforeseen event that may arise (material, personal or economic) and claims, defense expenses and compensation.

There are also insurances that bring together several essential coverages for certain events in one, for example those that cover both civil liability and accident insurance or cancellation insurance. They are very good options for all those events related to minors such as sporting events, camping, outdoor activities, etc.


Normally the basic insurance offered for events covers material and personal damage that may be caused during the event. Damages that are the direct or indirect responsibility of the person organizing the event. These are the mandatory coverages that they usually require and Armenian insurance settlement post many diffrent new about car insurance.


There are other more complete insurances that also cover economic damages that may be caused by errors or omissions. Although the most complete insurances are not mandatory, if you are a professional we recommend that you take out Civil Liability Insurance for events of this type.


At Segurea we have civil liability insurance for events that adapts to the conditions and period of the event. In addition to insurance for longer-term events and more complete annual insurance, we have civil liability insurance for short-term events, with very low excesses or some of them without excess (something very important in these cases).

Our prices are really competitive, we can say that they are the best prices on the market. They are insurances that are made at the moment and that you can pay comfortably. If you have to organize an event and you have been required to have civil liability insurance, contact us. We will solve all your doubts at the moment and we will make your insurance to measure whether it is for a long event, of days or hours.


Another highly recommended insurance when you are going to organize an event is cancellation insurance. Keep in mind that even if you have everything organized, incidents may happen that are out of your control and force you to cancel the event, having to bear the costs and losses that this entails.

This insurance guarantees the payment of the expenses and fixed costs that you have paid and that you could not recover in the event of cancellation, interruption, postponement or suspension of the event. You can also include civil liability coverage. Ask us for information without obligation about our Event Cancellation Insurance . Made to measure, adapted to each event and recommended for your total peace of mind.


Are you looking for insurance for events and activities?

Do you want to check what you could save by doing it to suit you?

Contact us and we will solve your query at the moment. We work with all types of civil liability insurance, both for professionals, as well as for companies and individuals. Tell us your case and we will give you a budget without commitment in less than 24 hours.

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Comparative Negligence: An Overview of Laws and Regulations




Comparative Negligence: An Overview of Laws and Regulations

When you’re involved in a car accident, you can expect the other party to try to decrease your compensation by claiming you share some of the blame. This is known as comparative negligence.

Unlike pure comparative fault, which bars an injured party from recovering damages if they are 50% or more at fault, modified comparative-negligence allows damaged parties to recover their losses minus their level of responsibility.

Contributory Negligence

The laws of negligence vary significantly from state to state, and these differences can affect how much you can recover from your accident. The following infographic from a visual data firm shows a breakdown of the various states’ negligence laws and how they impact your ability to collect compensation. Hover over each state to see the different negligence laws they follow. Traditionally, many states used what is known as the doctrine of contributory negligence, which bars plaintiffs from collecting damages if they are even 1% at fault for an accident. This type of law has led to harsh results, and most jurisdictions have moved away from it.

Today, some states use the doctrine of contributory negligence, while most other states follow a form of comparative-negligence. The two most common forms of comparative-negligence are pure and modified comparative fault. It  is unique because it uses a hybrid of the two called slight/gross comparative-negligence.

Pure Comparative Negligence

When multiple defendants are involved in a case, it becomes difficult to determine who is to blame for causing the accident. Pure comparative negligence in Pennsylvania rules attempts to resolve these issues by allowing plaintiffs to recover damages minus their percentage of fault.

For example, if the jury finds that the plaintiff was 40% at fault for causing the accident and the defendant was 30% at fault, the plaintiff would recover from each defendant.

Unlike most jurisdictions that follow modified comparative negligence rules, this system is still utilized in thirteen states. These rules have helped injured victims to receive the monetary compensation they need after their accidents. However, it has not prevented injured parties from pursuing their claims against negligent defendants. In comparison, a jury finding that the plaintiff was 50% at fault for causing the accident would only be able to recover. This is why it is important to consult experienced attorneys about comparative negligence rules.

Modified Comparative Negligence

In states that follow modified comparative negligence rules, the jury will review all evidence and assign a percentage of fault to each party involved in an accident. This percentage of fault will then be used to determine how much an injured party can recover for their losses.

Pure comparative negligence law allows you to file a claim even if you’re found to be 99% responsible for an accident. Still, it reduces your total settlement amount by that same percentage. This is the standard comparative negligence law followed.

In modified comparative negligence states, you can still claim for physical injury, property damage, and wrongful death if your share of the fault is below 50%. If it is above that threshold, you are barred from recovery. 

Threshold Rules

A state’s comparative negligence rules dictate how the parties involved in an accident will apportion responsibility and compensation for damages. It is essential to know the laws of your state so you can make the best choice for your car accident claim.

Most states follow comparative negligence, but each has rules for applying this law in personal injury cases. For example, some states follow pure comparative negligence, which allows all parties to recover damages minus their degree of fault in the incident. Other states follow modified comparative negligence, which bars plaintiffs from claiming if they are found to be more than a certain percentage at fault for the incident.

Still, others use the contributory negligence rule, which prevents victims from recovering if they are found to be even one percent at fault for an incident. An experienced personal injury lawyer can help you understand your state’s rules.

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i9 and Workplace Compliance: What You Need to Know




i9 and Workplace Compliance: What You Need to Know

As an employer, ensuring workplace compliance is essential to avoid legal trouble and create a safe and healthy work environment. One of the critical components of i9 and workplace compliance is properly handling the i9 form. In this article, we’ll explore what the i9 form is, why it’s important, and how to maintain compliance.

What is the i9 Form?

The i9 form is a United States Citizenship and Immigration Services (USCIS) document that verifies an employee’s eligibility to work in the United States. Employers must complete the i9 form for each new employee they hire. The i9 form requires employers to provide proof of their identity and work authorization, such as a passport or driver’s license and Social Security card.

Why is i9 Compliance Important?

Maintaining i9 compliance is critical for employers to avoid legal penalties and ensure that their employees are authorized to work in the United States. Failing to complete i9 forms correctly can result in fines and legal action from the federal government, as well as damage to a company’s reputation. Employers can also face legal consequences for knowingly hiring unauthorized workers.

Steps to maintain i9 Compliance

To maintain i9 compliance, employers should follow these steps:

Use the most current version of the i9 form: The USCIS regularly updates the i9 form, and employers should use the most current version to ensure compliance.

Request i9 documentation

Employers should request documentation from new hires that proves their identity and work authorization. Acceptable documentation includes passports, driver’s licenses, and Social Security cards.

Complete i9 forms in a timely manner

Employers must complete i9 forms for new hires within three days of their start date. Failure to do so can result in penalties.

Retain i9 forms

Employers must retain i9 forms for all current and former employees. I9 forms should be stored separately from personnel files and kept for at least three years after an employee’s termination date.


Maintaining i9 compliance is essential for employers to avoid legal penalties and ensure that their employees are authorized to work in the United States. Following the steps outlined in this article can help employers stay compliant and create a safe and healthy work environment. Remember, using the most current version of the i9 form, requesting proper documentation, completing i9 forms in a timely manner, and retaining i9 forms are all essential components of maintaining i9 compliance.

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The “Drive to Survive” Effect on online stores selling F1 Model Cars




The "Drive to Survive" Effect on online stores selling F1 Model Cars

The Netflix series “Drive to Survive” has taken the world by storm, offering viewers an unprecedented look behind the scenes of the thrilling world of Formula One. The documentary-style show has not only captivated existing fans but also attracted a new generation of enthusiasts to the sport. This surge in interest has had a significant impact on both Formula One itself and the market for F1 model cars, and memrobailia. In this article, we explore how “Drive to Survive” has grown the demand for what was previously seen as child toys and we follow one specific Brand through this journey of selling F1 model cars.

The Impact of “Drive to Survive” on Formula One

Since its debut in 2019, “Drive to Survive” has brought Formula One to a broader audience, shining a light on the intense rivalries, personal struggles, and the sheer dedication of the teams and drivers. The show has not only captured the attention of existing fans but has also introduced a new generation to the sport. As a result, Formula One has experienced a significant increase in viewership, with the series playing a crucial role in attracting new fans from around the world.

The newfound interest in the sport has also driven an increase in merchandise sales, as fans look for ways to connect with their favorite teams and drivers. From team apparel to autographed memorabilia, Formula One enthusiasts are eager to showcase their passion for the sport.

The “Drive to Survive” Effect on F1 Model Cars

The popularity of “Drive to Survive” has had a noticeable impact on the market for F1 model cars. As more people become interested in the sport, the demand for diecast models representing their favorite teams and drivers has grown significantly. Diecast F1 models, as sold by offer fans a tangible way to celebrate the sport and connect with the world of Formula One.

F1 model cars have long been a favorite among collectors and enthusiasts, known for their meticulous attention to detail and accurate representation of the real-life racing machines. As “Drive to Survive” continues to attract new fans, the market for these diecast models has expanded, with a growing number of collectors seeking to add these stunning replicas to their collections.

The rise in demand for F1 model cars has also led to a surge in the production of new models, as manufacturers work to meet the needs of the growing fanbase. From limited edition releases to models representing the latest racing machines, diecast F1 manufacturers are catering to the diverse interests of Formula One enthusiasts.


The success of “Drive to Survive” has undoubtedly had a transformative effect on Formula One, attracting new fans to the sport and boosting its global popularity. This increased interest has also had a significant impact on the market for F1 model cars, as collectors and enthusiasts seek to celebrate their passion for the sport with these stunning diecast replicas.

As the world of Formula One continues to captivate audiences around the globe, the demand for F1 model cars is likely to grow, providing fans with an ever-expanding range of options to connect with the thrilling world of racing. Whether you’re a longtime fan or a newcomer to the sport, F1 model cars offer a unique way to celebrate the excitement and drama that make Formula One racing truly unforgettable.

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