Sinclair Insurance - Articles

Our goal is to protect your business and personal risks. At Sinclair, we are constantly studying our clients' needs as we believe that offering the best possible service will make you a committed client for years.

Being denied insurance coverage due to severe illness

By Joel Block

There are numerous illnesses for which people are constantly denied life insurance by insurance companies.

Insurance is commonly either not available or extremely expensive, with limitations and exclusions when offered to patients diagnosed with cancer, HIV positive, heart diseases, kidney malfunction, diabetes and who suffer from other types of poor health. Read more

Cosmetic Dentistry

By Leslie Harracksingh

In the past few years, tooth whitening has become increasingly popular. Unlike other elective beautification procedures, such as nose jobs, chin tucks, tummy tucks, Botox injections, etc., tooth whitening is relatively inexpensive and just about anybody can afford to try it. Read more

The Importance and Place of Waivers in the Amusement Ride Industry

By Joel Block

A Waiver is defined as "the act of intentionally relinquishing or abandoning a known right, claim, or privilege," and also as "the legal instrument evidencing such an act."

In the Amusement Ride Industry, many amusement ride hirers seek to protect themselves
from law suits resulting from rider injury by having the rider or the rider's parents or guardians sign a Waiver prior to going on the ride. Read more

The Need for Sports & Activities Insurance

By Joel Block

In the modern world, as people increasingly become aware of the need to keep physically fit and also find themselves with more free time, we see more and more people actively participating in a broad variety of sports, and not just watching them as spectators.

This has given rise to an increasing need for insurance coverage that is specifically suited for the needs of non-professional sports enthusiasts, both veterans and beginners. Read more


Architects & Engineers Should Look Closely at Their Liability Protection
By Mr. Oded Reches

There is a tendency in the insurance industry to offer niche liability policies, especially in the field of architects and engineers. It is quite common to find specific policies, separately covering public liability, malpractice, errors and omissions liability and professional indemnity – each in a separate jacket, offered at more or less attractive prices. It is only when an insured runs into a claim which falls into the gap between the various covers that the question of "Why?" arises. Read more

The Importance of E&O, Professional and Public Liability Insurance for Inspectors

By Joel Block

In today's litigious environment, there is an ever-growing tendency to include anyone and everyone who was involved in an incident in any lawsuit that may arise from that incident.

For example, in a small European city, an inflatable slide collapsed and a few children were hurt. The claim that was filed by the children's parents included the owner of the lot on which the inflatable was set up, the person who rented the inflatable for the event and the slide manufacturer in regard to their instructions for setting up the equipment. Also included in the claim were the city council, which licensed the hirer, but did not inspect the setup, and the inspector, who did not give clear instructions regarding the safety measures to be taken. Read more

The Growth In The Requirement For Canine Massage

By Sandy Leibovich

In the last few years, there has been an increased interest in massage therapy for dogs (canine massage). Many websites offer their services for canine massage; also, there are a number of schools that offer courses and qualification in canine massage.
Read more

Liability Insurance and the Dental Hygienist

By Leslie Harracksingh

Most dental hygienists are employed on a part time basis and usually at private practices. Therefore, it is not uncommon for people in this profession to have more than one place of employment.

The dental hygienist provides professional services to hospitals, schools, nursing homes, correctional institutions and public health clinics. The dental hygienist has many functions. Most often the hygienist works under the supervision of a dentist although it is not unusual for the hygienist to work alone. Read more

Teachers and Educators Need Protection

By Sandy Leibovich

Today, more then ever, teachers and educators have to deal with broader aspects of their profession. Society realizes the essentiality of this profession and, as a result, has higher expectations and more stringent requirements for teachers and educators than ever before.
A variety of situations can potentially expose them to financial or legal liability, which may lead in some cases to lawsuits.
Read more

Amusement Ride Safety – The Manufacturer Manual

By Joel Block

An important part of amusement ride safety is the Ride Operation Manual that comes with every piece of equipment. It is the responsibility of every hirer, operator or attendant to familiarize themselves with the Ride Operation Manual before they undertake the operation of any amusement ride.

Ride Operation Manuals are the key to the safe operation of amusement rides and include daily checklists, logs, emergency instructions, lock-out procedures, hand signals, operator safety and other specific operating instructions. Read more

Special Event and Travel Cancellation Risks

By Joel Block

The beginning of the new millennium will be remembered as one of the worst times for event organizers world-wide. A sequence of disastrous events caused hundreds of thousands tourists to cancel their holidays. Weddings, family events, children's summer camps, and thousands of commercial events and conventions were cancelled. Hurricanes, earthquakes, tsunamis, terror attacks caused not only direct vast damages but also collateral damage to millions of individuals and businesses.Read more

The Development of the Cosmeticians' and Cosmetologists' Professions, and Their Application to Professional Liability Insurance

By Sandy Leibovich

Insurance companies do not tend to differentiate between cosmeticians and cosmetologists when it comes to providing professional liability insurance.

Insurance companies do not tend to differentiate between cosmeticians and cosmetologists when it comes to providing professional liability insurance. The difference is actually important, and should be reflected in the insurance policies provided to cover professional liability insurance. The concept of professional liability insurance is that it is provided to professionals only. Read more

Nurses Enhance Therapists' Occupations

By Leslie Harracksingh

Over the last few years, the insurance industry has seen a substantial increase in applications for Therapists' Professional Liability Insurance from applicants who are trained Nurses. In general these are Registered Nurses from two distinct groups: those who have between 5 to 10 years of experience after their graduation and professional certification, and those who have retired. Read more

Amusement Ride Safety Considerations

By Joel Block

Rider safety should be the number one concern of all amusement ride hirers, operators and attendants.

Rider safety should be the number one concern of all amusement ride hirers/operators/attendants.
The amusement ride operator/attendant has full control on most rides and must be proactive and capable of reacting quickly to situations as they arise. Read more