Click Here To Get 20 GB Free Cloud Storage

General Liability Insurance

0 views
0%

It could be the case that the landlord’s insurance does not cover injuries that occur in the residential tenant’s apartment. If the landlord’s insurance does not cover the claim and the tenant does not have renter’s insurance or other assets, there may not be a source of recovery for a premises liability claim. Best yet, you can typically get a significant amount of umbrella coverage at a low cost. A typical $1,000,000 umbrella policy for two adult drivers with home insurance averages only $150 a year. If you are found at fault, the remainder of umbrella coverage not used for defense costs may then help pay for the associated liability expense you owe. The coverage for autos doesn’t cover what you owe on your vehicle, only up to how much your vehicle is valued at by an insurance adjustor at the time of the accident.

The coverage provided by the insurance company focuses on the alleged failure of the service delivery by the company, which has led to the financial loss due to errors and omissions in the service or consultation. Some issues that are often confused with E&O insurance are bodily injury and property damage, which are typically covered by a general liability policy, not a professional liability one. Coverage is available under the WriteInsure program for book authorship, freelance writing , and blogs that you own and operate. The insurance covers claims of libel, invasion of privacy, copyright or trademark infringement, plagiarism, errors and omissions, and other related risks.

Options For Small Business Insurance – Forbes Advisor – Forbes

Options For Small Business Insurance – Forbes Advisor.

Posted: Fri, 04 Jun 2021 07:00:00 GMT [source]

The claims may arise due to negligence, errors, malpractice, etc. in offering professional advice or services to your clients resulting in a substantial financial loss. However, professional indemnity insurance mostly covers the claims related to incidents that occurred during the policy period. General Contractors General Liability Insurance, will protect your business if someone sues you for causing property damage or bodily injury.

When Does My Liability Insurance Cover My Rental Car?

Coverage is extended over your general liability insurance, workers’ compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected. Every dog owner must have adequate insurance coverage for accidents that his dog might cause. The size, history and temperament of the dog do not provide exceptions to this rule because even a small dog can leave a permanent scar on the face of a small child.

Furthermore, this policy is strictly limited to monetary-based benefits, and will not cover many uncommon types of benefits. This includes the quality-of-life benefits increasingly offered by many technology start-ups, such as free coffee and food, on-site best professional liability insurance yoga or on-site massages. This type of insurance is specifically designed to cover businesses and their benefits employees. Employee Benefits Liability Insurance is often offered as an endorsement to a Commercial General Liability Insurance policy.

Auto liability insurance is a specific type of car insurance coverage that covers injury and damage you cause in a car accident. In most states across the United States, car insurance is mandatory for all registered vehicles. Although the required insurance amount varies from one state to another, there are some mandatory coverages that remain the same almost everywhere, and one of them is liability coverage. If ever you are involved in an at-fault accident with another vehicle and the other party sues you for the damages caused to them, your liability coverage is what helps cover the expense. A Commercial General Liability policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. Understanding this coverage is an important first step in managing CGL risks.

Many umbrella insurance policies add a new type of coverage called personal injury protection, which differs from bodily injury because it deals with cases of defamation, like slander and libel. In today’s online world, where comments can be taken out of context, personal injury liability is a greater risk than ever before — and it’s not covered by a standard home insurance public liability insurance online policy. One law on the books indicates that purchasing bodily injury liability coverage is optional. However, under a different financial responsibility law, drivers could be penalized if they don’t carry bodily injury coverage and are responsible for injuries they cause in an auto accident. To be safe, consider carrying at least the minimum limits listed below.

The Lowdown On Liability Coverage

Our dedicated team of experienced professionals takes the time to listen to our customer’s needs. Then, provide valuable advice about the policies that will fit their unique lifestyle. Take charge of your business now by getting liability insurance to protect you and your assets.

Industry – the nature of the business is the foremost driver of general liability insurance cost. There are businesses whose operations are more prone to lawsuits than others. For those interested in understanding the business liability insurance cost calculator, Wikihow provides an informative 15-step guideline on how to compute for general insurance liability premium. Among the number of business insurance products available, the general liability insurance is the most common and is usually the least expensive. Thus, the average cost of a general liability insurance is usually less than the average cost of business insurance. You can also buy liability insurance in a combined single limit , which gives you a single amount of coverage to use as needed to cover the expenses from an accident.

Often times, charges don’t stop with the officer and neither does our Law Enforcement Liability protection. If you don’t know about VICARIOUS LIABILITY and how court rulings have changed, you’d better find out now! If you go to court, the average defense cost is $10,000, it is not uncommon for defense costs to exceed $10,000 whether you’re held liable or not. Our liability program is designed to protect you against vicarious liability charges. Adding this type of coverage is usually costly, and in some cases could even double your premium. But as with any insurance, for those who end up needing it, it is money well spent.

This means if a covered claim occurred during the time the policy was in force you will have coverage even if the claim is made after the policy is expired. Say a customer slips on your floor and breaks a wrist, or an employee causes damage while working in a customer’s home, or one of your products injures somebody or damages their property. An excess liability policy only pays out if and when your main policy has paid out in full and has reached your coverage limit. This means an excess liability policy is less likely to pay out than a standard policy, in turn meaning the premium costs are comparatively lower. These professions require specialized education or training, and their practice must meet certain state, industry, contract, or client standards.

Securitization of Insurance Risk – a method for insurance companies to access capital and hedge risks by converting policies into securities that can be sold in financial markets. Retention – a mechanism of internal fund allocation for loss exposure used in place of or as a supplement to risk transfer to an insurance company. Reported Losses – Includes both expected payments for losses relating to insured events that have occurred and have been reported to the insurance company, but not yet paid. Pure Premium – that portion of the premium equal to expected losses void of insurance company expenses, premium taxes, contingencies, or profit margin. Producer – an individual who sells, services, or negotiates insurance policies either on behalf of a company or independently. Medigap – supplementary private health insurance products to Medicare insurance benefits.

Lawsuits that involve something other than bodily injury, property damage, personal injury and false advertising. This policy also protects against risk such as theft, earthquake, government action, weather or water damage or mechanical breakdown. Extended coverage is offered to protect temporary structures such as scaffolding, cover for debris removal costs, or charges made by the fire department service. You can purchase these policies for varying time frames, and coverage ends when the project is complete.

Rather, the insurer typically must provide coverage and seek reimbursement of the unpaid sum by filing claims against the bankruptcy estate like any other creditor. Split Limit Policy — Each person pays up to an individual pre-set maximum for bodily injury and property damage payments. Some homeowners insurance policies may provide partial coverage, so you should check with your carrier to be certain. A licensed person or organization that represents the policyholder by contract in property damage claims negotiations with an insurance company.

However, the truth is that a lawsuit can quickly cause you to incur more than $1 million worth of damages. Though no one wants to believe that they could ever be caught in a lawsuit, the unfortunate truth is that anyone can sue you for almost anything at any time — even if you haven’t done anything wrong. Even if a lawsuit is frivolous and thrown out of court, you’re likely to spend thousands of dollars defending yourself against these claims. These facts make it important to maintain liability insurance to protect yourself, your home and your business if you own one. When you have a liability policy in combination with collision and comprehensive, this is considered full coverage. If you lease or rent a vehicle, in many cases, full coverage is required.

No Login Required

Professional liability insurance for on the job, off the job and between jobs. Having umbrella insurance is a great idea to have for boat owners who want the coverage in place to properly protect them from the unexpected. Samantha Kostaras is an insurance reporter who covers personal finance and insurance. After a degree in finance from the University of Alabama and stint at Morgan Stanley, she worked as a financial analyst before becoming a journalist. Her writing has appeared in The Simple Dollar, Reviews.com, Coverage.com, and elsewhere. Collision coveragewill pay to repair or replace your car if you are at fault in an accident.

Public liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work. Commercial is defined as all motor vehicle policies that include vehicles that are used primarily in connection with business, commercial establishments, activity, employment, or activities carried on for gain or profit. This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada. The general liability policy will pay the damages imposed upon you or your business by the law.

Contractors laying underground cables should verify the absence of other utility lines prior to digging. Once a trench is excavated, there must be shoring or other supports to prevent collapse. This type of coverage does not list for the policy owner what it covers, but instead offers a list of uncovered perils. To cover the costs associated with a recall, product recall insurance can be purchased.

A licensed individual or organization authorized to sell and service insurance policies for an insurance company. It is important to note that workers compensation claims do not come under the jurisdiction of the CDI. The California Department of Industrial Relations, Division of Workers Compensation can assist you with questions or concerns regarding workers compensation claims. You can contact the California Department of Industrial Relations by using the information provided in the “Resources” section of this brochure. Also, you should be able to discuss any general workers compensation claims issues with your broker-agent or discuss issues on a specific claim with the claim adjuster that has been assigned to the case by your insurance company.

It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations. Covers up to $5,000 per person, up to $100,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period. You can tailor your professional liability policy to your needs by choosing your own limit and deductible.

The medical professional liability insurance market has occasionally experienced times of crisis, such as during the late 1990s, leading to high prices for policyholders. The NAIC published a reportin 2004 that showed both the combined and loss ratios had steadily trended upwards since 1994 before declining in 2002. In 2018, the direct loss and DDC ratio was 68.4%, before increasing to 79.94% in 2019.

While liability coverage is important, it isn’t the only type of car insurance you should purchase. Many Truck Ranch customers have asked, “What does liability insurance cover? ” Most states require all drivers to carry auto liability insurance on their vehicle, which covers bodily injury and property damage. That means your insurance covers any costs from injuries to other people in the event of an accident or property damage around Twin Falls when you are at fault. Find out here in this guide from Truck Ranch, and if you have questions, contact us.

Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered. Many auto insurance companies have added on an exclusion of coverage that is specific for driving for ridesharing drivers, like Uber or Lyft.

If a motorist has been in a recent accident, insurers believe there’s a greater chance they’ll become involved in a crash in the future. • A special form of property insurance covers the risks that are not mentioned in property insurance papers. According to the Insurance Information Institute, most $1 million umbrella policies cost $150 to $300 per year. You can expect an additional $75 for $2 million in coverage and an extra $50 per year for every extra $1 million in additional coverage. Medical payments insurance will cover a wide variety of medical bills considered “necessary” and were incurred within three years of the accident.

A preferred professional liability policy will cover your defense costs, as well as damages you are ordered to pay and settlements reached in and out of court. For instance, if someone slips and falls on your premises, your general liability policy will respond. If a client decides to sue because the service you provided didn’t have the promised results, your professional liability policy will cover the legal expenses and settlements. A really convenient aspect of our cosmetology professional liability insurance is called portability. Within all 50 U.S. states, you can move jobs, move cities, move states, and nothing changes with your coverage.

If your organization has access to personally identifiable information , personal health information , or payment card information , then cyber liability is a necessity to ensure business continuity in the event of an attack. With conversion coverage, you could collect the full $200,000 from your own underinsured coverage. Lyft drivers are required to have a personal auto insurance policy that meets minimum state coverage requirements.

Several factors influence the price you’ll pay for coverage, including your industry, the size of your business and how much coverage you want to purchase. Btw, when you file a liability claim, there may be a chance that your insurance company will need to communicate with the insurer or other party involved. That could happen if you need funds right away to repair damage caused by another party. If you are found to be at fault in an accident and your insurance company has to pay for the other driver’s damage, you can expect your insurance premiums to increase in most cases.

Global Product Liability Insurance Market Expected To Reach Highest CAGR By 2026: AIG, Chubb, The Heritage Group, Sadler and Company, Charles River Insurance etc. – The Market Gossip – The Market Gossip

Global Product Liability Insurance Market Expected To Reach Highest CAGR By 2026: AIG, Chubb, The Heritage Group, Sadler and Company, Charles River Insurance etc. – The Market Gossip.

Posted: Sun, 08 Aug 2021 09:31:04 GMT [source]

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. In the business world, there are many risks faced by company’s every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage. The type of business and its specific needs determine the ultimate cost of LLC insurance coverage. Other factors that may influence the cost of insurance are the type of industry; industries that are prone to litigation may pay more for insurance.

The amount of risk that you face in your industry is used to determine your insurance costs. If your business is in an industry that is more prone to accidents and injuries, than you will typically pay more for insurance. When you have general liability insurance, it gives you peace of mind. You won’t have to worry about what you would do if a client trips and falls or how you would pay for a new vase if you accidentally broke one in a client’s house. Business liability insurance shows that your business is reliable and trustworthy.

The national cost per claim average for animal strikes was $4,341, up from $4,179 ( ), according to State Farm. Although a deer may have started the chain of events that led you to crash the car, if your vehicle didn’t actually have contact with the animal, it isn’t a comprehensive claim. If you collide with another car or an object or roll your vehicle, the claim for your damages falls under your collision coverage.

It is very important that business owners have basic idea of what, where and who is covered (& what, where and who is excluded). Below, we’ll shed some valuable light on this important type of business insurance policy. A lot of small business owners invest in a commercial general liability policy.

Failure to disclose – Professional Liability insurance covers your business if you fail to provide a customer sufficient instructions. Missed Deadline – Even if it’s out of your control, a disruption in your supply chain or business operations might render you accountable if your customer doesn’t get what they need on time. If the client decides to sue you, Professional Liability insurance will cover the costs of legal fees. In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars. Liability car insurance only comes into effect if you are the at-fault driver, and it covers other drivers and their property.

Take the highest deductible you can afford on collision and comprehensive coverage. Some specialty market insurance carriers will write a policy which covers clinics and events. If it is an educational clinic or annual meeting, you will be more likely to be able to receive coverage on your General Liability policy than if you are hosting a sanctioned show, for example. Equine Professional Liability, is written for people who are offering expertise, advice, or instruction within horse-related business activities.

Preventive Healthcare Plan- Such policies cover the cost of treatment concerned with preventing a severe disease or condition. Group Health Insurance- Such policies are generally offered to employees of an organisation or company. They are designed in such a way that older beneficiaries can be removed, and fresh beneficiaries can be added, as per the company’s employee retention capability. Individual Health Insurance-These are healthcare plans that offer medical cover to just one policyholder. Financial Assistance to Repair Your own Vehicle-After accidents, you need to spend considerable sums on repairing your own vehicle.

Third-party insurance, the most common example being auto insurance, is a policy designed to protect against the actions or claims of a third party. According to data from the Insurance Information Institute, the United States is the largest market for commercial liability insurance. For instance, there were $86.6 billion in liability claims written across the country in 2014, followed by $10.6 billion in the United Kingdom. The global liability insurance market has seen a lot of movement in the last two decades. Statista reported the market hit a total of $3.3 billion in 2017—the highest it’s been since 1994.

The core of what we do is look at some of these other areas that folks might not think about in general liability insurance. That gets me to the third prong of coverage under general liability insurance, personal and advertising injury coverage. Some big partner at some law firm my first law job said, “Take a look at the personal injury coverage.” I was like, “What on earth could that be?

Even although you sporadically retain the services of workers, utilize seasonal or temporary employees, payers or subcontractors, then you should select that particular specific insurance plan. After the company is informed of your claim, they should send you any needed forms to verify your claim. The claim should be paid promptly after the company has received adequate proof of loss. If the company rejects your claim or pays only part of it, you should be provided an explanation in writing. If you believe your insurer has refused to pay all of part of a valid claim, you should first contact them. In order to find the best possible rate, we suggest you contact many different agents and companies.

There are more facets to vicarious liability than you can imagine and new exposures will be continually created. It doesn’t make sense to face the potential loss of income and even financial ruin from known exposures that can be covered. Consult with your attorney or police professional liability insurance representative. Protecting yourself and operators of your watercraft for liability is as important as protecting your watercraft and equipment. Examples of insurance policies whose proceeds are property of the estate include casualty, collision, life, and fire insurance policies in which the debtor is a beneficiary. Proceeds of such insurance policies, if made payable to the debtor rather than a third party such as a creditor, are property of the estate and may inure to all bankruptcy creditors.

An individual who has established a permanent residence outside of North Carolina should not terminate their North Carolina insurance policy until after they have surrendered their North Carolina license plate to NCDMV. An individual wanting to relicense their vehicle after the revocation period is required to pay a $50, $100 or $150 civil penalty depending on how many prior paid lapses there are within a three-year period. The individual must also pay a $50 restoration fee at the time of their vehicle registration renewal.

If the policyholder’s windshield is cracked or destroyed during an automobile accident that the driver of the insured vehicle caused, the windshield repair would be covered by the policyholder’s insurance coverage. Every state (except for New Hampshire and Virginia, where it’s not mandatory to have car insurance) requires drivers to carry a minimum amount of property damage liability. The highest required amount is $25,000, and the lowest is just $5,000 . There was advertising injury coverage in there for advertisements, and it was really broad. I looked at the underlying lawsuit this company was sued for and it related to, it had a little bit of advertising in it.

If you purchase multiple products from the same provider, you might have the option to bundle your insurance products. You’ll also benefit from keeping all of your policies in the same place. If you purchase your professional liability insurance policy from a company that offers other business policies, you may be able to add on separate policies.

Truckers that shop around and can communicate their specific needs to the agents can and will lower their premiums. We can help you by bringing 3 agents to you that will provide your with 3 quotes. All you need to do is fill out our quote form and we will bring you your agents. General Liability Insurance is not to be confused withPrimary Liability Insurance.

Not all insurance policies cover third party liability claims unless you actively select them when you buy your policy. Unless you come from exceptional wealth — or you’ve won the Powerball jackpot — if you cause property damage or bodily injury to another person, you’re going to have a tough time paying for it without insurance. If you have a larger deductible, you’ll pay less for general liability insurance for your small business. At Next Insurance, we don’t charge a deductible for our general liability insurance policies, so you won’t need to worry about it. The cost of general liability insurance is different for each business.

For example, it can help cover an employee’s medical bills and ongoing care expenses. Depending on your state, you can get this insurance from a private insurance company, a state-run agency or a monopolistic state fund. The majority of homeowner policies come with $100,000 in liability, but this is the low end of the coverage. If a serious fall or injury were to happen in your home, medical expenses would quickly eat up this amount of protection to say nothing of the cost of a lawsuit. The amount of medical payment coverage you can purchase varies by the insurance company, but at least $5,000 is recommended.

  • If you’re in an accident that’s viewed as your fault, liability insurance covers the third-party costs you’d normally be responsible for—medical or auto-repair costs that others are now dealing with because of this accident.
  • You can raise claims related negligence, omissions, or errors while rendering professional services.
  • Because technology companies represent a relatively new industry that deals largely with intangible yet highly valuable data, some definitions of legal liability may still be evolving in this field.
  • Despite all of the good the internet has done to how we conduct business and live, it has opened us to a new dimension of risk.
  • However, some insurance companies offer optional coverage for this at an additional cost.

It can cover some accidents or damages that happen in your home office (that’s right — your homeowners’ insurance doesn’t usually cover business-related incidents). This coverage will pay for amounts you become legally obligated to pay as a result of an act, error or omission arising from your responsibilities for arranging and qualifying suitable work for other massage therapists. Coverage may apply in the event that a massage therapist you placed is alleged to be negligent or misrepresented their qualifications. Explore the massage/health connection and see how you can help your clients with a variety of medical challenges. Do your best to file a report to authorities within 24 hours of the theft. The sooner police can begin looking for your missing vehicle, the more likely they are to retrieve it, and the sooner you can start communicating with your insurance agent.

Many construction contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger construction contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them. Commercial Property – With this coverage, the physical structure of the building you operate your business out of, as well as the contents within that physical structure, will be protected. This coverage will help to pay for physical damages that your property may experience, as well as the contents within.

Any guest on your property that incurs medical costs as a result of an incident is also covered under an umbrella policy. Although general liability insurance covers many things, such as medical expenses, advertising claims against your business, and property damage lawsuits, it doesn’t cover every claim. Employee injuries, commercial auto accidents, illegal acts by team members, professional service errors, and other claims aren’t covered by most general liability insurance policies. The court costs, judgments, and settlements for these lawsuits will fall solely on your organization as well as partners and, possibly, investors in your company. Another factor to consider is the coverage amount of your policy and whether that changes each year.

Insurance gives protection in case customers or passers-by experience harm at the hands of your business, or if your organization is harmed by means of an incident like a fire. Liability insurance, on the flip side, is intended to protect gun owners and shooters. Like every form of private insurance, business liability insurance safeguards your business in case of an unforeseen incident. average cost of liability insurance for small business General liability insurance is often tax-deductible because it can be considered as one of the costs of doing business but make sure you consult your tax consultant to confirm that it can be written-off at tax time. Like many other insurance coverage, general liability insurance have a deductible which is a fixed amount that comes out of your pocket before your coverage kicks-in.

Most businesses should start looking into purchasing some type of general liability coverage right away, as soon as they are founded. Business general liability insurance can give you peace of mind by helping you manage your business risks. General liability insurance is absolutely for everyone, not just big businesses. Even if you are working as an independent consultant, contractor, or tradesperson you should have this type of coverage.

Coverage for your vehicle requires comprehensive, collision, or full coverage. Some pool owners hire a swimming instructor to teach local children, including their own, or rent out their pools as part of a home rental through sites like Airbnb.com, or as solo offerings through such sites as Swimply.com. An insurance carrier might see these as commercial activities, which would require separate, additional coverage. More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability. The rodeo includes a diverse group of individuals who require many different types of coverage.

The higher your total coverage limit, the higher your small business liability insurance costs. Both LIA and LLIA receive compensation based on the premiums for the insurance policies each sells. In this case, the other party’s insurance should take care of your damages.

If they fail to get a certificate they will be treated as uninsured subcontractors on the General Contractors General Liability Insurance Policy. As a result, any amount paid will be added back to your income for premium purposes. Also with Worker’s Compensation if someone you 1099 is injured there is a good chance a smart lawyer may make the claim that the injured party was actually an employee. If the court rules they were you could be on the hook for a lot of money. The main distinction between the CG 2033 and the CG 2038 is that the CG 2038 provides coverage for upstream parties. Upstream parties are the entities or individuals above the level where an entity is contracting.

Paying for a new paint job on someone’s car or a replacement heirloom ornament could cost you a lot of money. General liability insurance also covers your business, even if you weren’t personally involved in the incident. For example, if you send your assistant to a client’s home to drop off new tiles for their bathroom, but on the way the assistant bumps into a full-length mirror and shatters it. The client could sue your business for the damage, and general liability insurance would cover you.

Lawyer Liability Insurance Market 2021 Strategic Assessments – Chubb (ACE), AIG, Hiscox, Allianz, Tokio Marine Holdings – The Manomet Current – The Manomet Current

Lawyer Liability Insurance Market 2021 Strategic Assessments – Chubb (ACE), AIG, Hiscox, Allianz, Tokio Marine Holdings – The Manomet Current.

Posted: Fri, 13 Aug 2021 07:01:57 GMT [source]

Bodily Injury– physical damage to a person other than an employee at your place of business and injuries caused by you or an employee at a client’s home or work place. The deductible is the portion of the damages you’ll have to pay before your coverage kicks in. If your deductible is $500, all you have to pay toward that repair is $500. When thinking about the types of insurance you need, car insurance should be at the top of your list—no matter what kind of car you drive. Directors & Officers (D&O) The directors and officers of a privately-held company are at risk from suits by a variety of different people, such as customers, competitors, suppliers and government agencies. However, the greatest number of lawsuits against directors and officers come from the employees of a company itself.

Date: August 16, 2021

Leave a Reply

Your email address will not be published. Required fields are marked *