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A Commercial General Liability policy (Part A) provides coverage for accidents occurring within the policy period: on the insured premises; arising out of insured operations and completed operations; and products liability. It pays for some types of contractual liability (although there are exclusions). Personal and advertising liability are covered under Part B.It pays for property damage and bodily injuries for which you are legally liable up to the limit of liability, as well as defense costs if you are sued. The liability limit on the policy is per accident unless it is a “claims made” policy.Part C provides medical payments for injuries incurred on the premises regardless of liability. Part C has a separate limit of liability.The Insuring Agreements are pretty simple. The Exclusions are more complicated.The Exclusions detail what is not covered under the policy. What the Insuring Agreement gives you may be taken away in the Exclusions.For example, it does not cover liability arising out of use, maintenance, operation, loading or unloading of a motor vehicle, aircraft, or watercraft owned or rented to you. It does not cover injuries to your employees who are covered by Workers Compensation. It does not cover damage to your product. It does not cover damage to property owned, rented to, or occupied by you. It does not cover intentional acts. It does not cover damage to electronic data.Here are sample ISO policy forms: CG00011207.pdf and CG00011204.pdfPolicy forms are not all fine print and gobbledygook. They are a legal contracts. They can be convoluted, and comma placement does matter. However, if you sit down with the policy, a pencil, and a highlighter, you should be able to make sense of it. What you don’t understand can be explained to you by your broker.

An oft-heard argument for Brexit is that around 80% of the UK economy is based on services, rather than manufacturing, unlike the EU. Hence there are allegedly severe incompatibilities with remaining in the EU as the “EU does not understand services”.OK, I have tried to comprehend this as I work in the services industry, and have been working abroad in Germany and the Netherlands for over 14 years, plus over 2 years in Malaysia. I did not sense any restrictions or limitations as a Brit working abroad in the EU - in fact, it made my life much easier being in the EU as all I need for a job in the EU is proof that I have health insurance. I can also hang around for months looking for work, if necessary.After Brexit, I would be treated as a foreign migrant, requiring a job offer in advance, time-limited work permit, restricted lodging options as I would require police registration in every city I work in, health insurance, proof of income, restrictions on family joining me, etc. This happened to me in Malaysia.The thing is, as mentioned, I work in services, in particular a specialist area concerning risk management. And from what I see, things will only get harder for service providers after Brexit, not easier.If the EU does not understand services, then how come the City has passporting rights to trade and clear Euro-denominated securities all across Europe, as if it is in a local country within the EU. How is it that Lloyds can underwrite risks all across the EU (in Euro) and retain a huge share of the EU’s re-insurance and specialist risks insurance industry?This sounds like the EU does understand some services after all.The only problem I ever had, and most UK companies have the same problem, is establishing a presence in countries outside the EU. In the USA, Singapore, HK, Malaysia, etc, I cannot travel there speculatively to find work. Companies cannot open a branch in the USA without a licence for the state in the USA, and even banks in other USA states cannot open a branch in another state without a licence for that state. If you think, this sounds protectionist, that’s because it is (and it has nothing to do with the EU).So, if we are “free” to trade services outside the EU, then how does it make it better being outside the EU? Let’s say a post-Brexit UK company wants to help a foreign country build a telecoms network. So that means offering UK expertise in a tender to the project to compete with other foreign tenders. Any such tender would necessarily involve equipment and supplies, and the UK is not a huge manufacturer of telecoms equipment so it will have to scurry around the world to get it. Would it not be better to remain in the EU (where there are such suppliers) and work with them on the tender? Post-Brexit it could be much harder for UK citizens to work in the EU for such joint projects (as mentioned earlier). And if the cheapest/best suppliers are not in the EU, then it makes no difference to the current process anyway.But let’s say the project needs only UK engineering expertise. In which case, it makes no difference if the UK is in or out of the EU, because that already happens now. The EU has never restricted the UK from supplying services to any other country.The other thing seldom mentioned is goods and services exports make up around 28% of GDP while the total services component is around 80%. This means that over 50% of goods/services in the UK actually service other UK companies/citizens, possibly the same parties likely to be damaged by trade agreements with countries having a lower costs base than the UK. UK Exports, percent of GDPExamples of such internal services within the UK are plumbing, accountancy, hairdressing, cleaners, bar/restaurant services, legal, house building, employment agencies, etc. Anything that affects the UK economy impacts directly on these internal services.In any case, it is often quoted by Brexiteers that the UK’s largest services market is the USA and the EU is not “really important”. That is odd, because although the USA is indeed the UK’s largest single country buying UK services, the reality is that EU as a whole is a considerably larger market for UK services, exceeding the USA by well over £2B in the first quarter of 2018 alone. Add up the country totals for EU members in the latest ONS statistics for services:https://www.ons.gov.uk/businessi...Also look at Analysis: Britain walks Brexit high wire over financial servicesBrexit means that we would immediately be walking out of TiSA, and hence leaving a EU-led global services initiative which covers around 70% of the world’s services market (Trade in Services Agreement (TiSA)). (To be fair, the UK can probably re-join TiSA but it would require re-taking its WTO seat and then re-entering multi-year negotiations with a likely worse outcome than if the UK was part of the EU’s TiSA mandate.) If the leaders of Brexit really cared about selling services abroad, why would they severely complicate/compromise UK access to TiSA? This point is also expanded in How would Brexit benefit the UK services industries - part 2?My personal experience of services is that many countries are somewhat protectionist. Try getting a freelance consultancy contract in the USA, or China, or Brazil. Reciprocity in recognising equivalence of services from other countries is not a given, and countries which have no trouble with that tend to be smaller countries with less institutions to protect. That is why the EU has never ever restricted the UK from exporting services because that market is self-limiting by itself. The UK is now reliant on services because it decimated its own manufacturing base over the decades.TiSA is led primarily by the EU and the USA. It indicates that the EU takes services very seriously and have approached it methodically and carefully. I personally would welcome equivalence of my skills in the USA without having to dance through hoops like advanced sponsorships, guarantees, green cards, work permits, etc. I believe that TiSA is a more likely option to succeed than Leave leaders’ verbal stabs in the dark about unknown (and improbable) trade deals - and that is because the TiSA initiative is already several years down the line in the making.However, if the idea of Brexit is, for example, to sell off the NHS to US companies and in return, we can get to open a few brokerages in the US, then Brexit works. If UK citizens would agree to eat EU-banned chlorinated/hormone-laced meats in return for, say, allowing British plumbers and electricians the right to work in NYC, then that also works. (I apologise for this analogy but it is plausible - we don’t know.)And if the plan is to do trade deals with emerging countries in exchange for services, we should be aware costs and standards are much lower in such countries, so trade deals with them will necessarily adversely affect UK salaries, working conditions, benefits, etc - and don’t forget that these countries can also offer lower-cost services to compete against UK service providers. A few people will gain but in general, it is hard to envisage a scenario where the majority of UK citizens will benefit.An analogy would be like the UK acting as a blackjack dealer, playing with one deck of cards against a table of card counters.There is a valid, technical complaint in that growth of internal services within the EU could be enhanced by greater reciprocity in recognising equivalence of services from member countries and this is being addressed by TiSA - so how does leaving the EU help this? If we take the USA example, it means that an Essex estate agent cannot open a branch in Norfolk without regulatory approval. At least the EU has passporting rights which guarantees the right for a firm registered in the EU to do business in any other EU country without needing further authorization in each country.When the UK does leave the EU, it is highly probable that, in the absence of FTAs, services would be covered under the GATS rules under the WTO - this is a complicated subject which is expanded in Is it realistic for the UK to trade as a third country under WTO rules in a no deal Brexit scenario?So this services angle might be a red herring as we will never get better trade (or services) deals than what the EU already offer (via freedom of movement and passporting EU Passporting Rights (PDF document)). Even if we did strike new trade agreements, countries will want more concessions from the UK than they get from the EU, which can only work to our detriment and soften even more our ability to “take our country back”, whatever that means. An example: Japan to push for visa exemption in post Brexit trade deal: Negotiators plan to make fewer concessions to UK than they did in EU trade dealIs this what UK citizens really voted for? To walk out of our largest services market? The ability to sell more services to emerging economies, accept cheaper goods and services from other countries and implicitly reduce employment, work protections and standards in the UK? Really?Are the benefits of Brexit as democratic as the referendum?

Yes, a rental agreement is applicable as a proof of address to change the address in an Aadhar card.A rental agreement should be executed on non-judicial stamp paper with due stamp value. The rental agreement should be in your name, not in the name of your spouse, children or parentsIf you are going to visit the UIDAI's self-service portal to make the change, you need to scan all pages of the rent agreement and create a single pdf file before uploading it. If you upload multiple scanned images of the rent agreement, the UIDAI may reject it.If you are planning to change your Aadhaar card address by visiting a permanent enrollment center or Aadhaar Seva Kendras then keep in mind that you need to bring the original copy of your rental agreement. Do not need to bring photocopies as the official will scan the original document and return it back to you at the same time.A rental agreement is one amongst a vast list of 44 address proof documents that the UIDAI accepts. Others include,PassportRation cardVoter IDBank passbook/statementDriving licensePost office account passbook/statementLatest electricity billGovernment photo ID cards or photo identity cards issued by PSULatest water billLatest telephone landline billLatest credit card statementProperty tax receipt (not older than 1 year)Insurance policy documentLetter issued (signed and sealed on the letterhead) by bank carrying photo and addressA signed letter having photo issued by the recognised educational institution on letterheadA signed letter having photo issued by the registered company on letterheadPensioner cardArms licenseNREGS job cardKissan passbookFreedom fighter cardCGHS/ECHS cardCertificate of Address issued by Village Panchayat headCertificate of address having photo issued by MLA or MP or MLC or any Gazetted officer in a UIDAI’s standard formatVehicle registration certificateIncome tax assessment orderRegistered rent agreement/sale deed/lease agreementCaste and domicile certificate issued by the State Government with photoAddress card issued by Postal department with a photoLatest gas connection billA disability ID card or handicapped medical certificate issued by government administrationsPassport of spouse/parentsMarriage certificate issued by the government with addressBhamashah cardLatest allotment letter of accommodation issued by the governmentIdentity card issued by recognised educational institutionsSchool identity cardSchool leaving certificate carrying name and addressCertificate from Superintendent / Matron/ / Warden/ Head of Institution of recognized shelter homes or orphanages on UIDAI’s standard format.You can update the address in Aadhar, in the comfort of home by visiting the UIDAI's website.We provide rental agreement service in Karnataka, including Bangalore. Our service includes drafting + agreement execution + notary + home delivery in 2 working days. Same day express delivery available. To opt for our service, please write to us. Our details are in our profile description.PGN Property management, Bangalore. Thank you for reading…