Liability insurance is also known as commercial insurance and is a type of insurance that protects you and your business’ financial interests from claims.  Normally, these claims will come in the form of lawsuits.  If you are a small business owner, having liability insurance for a small business can come in handy, where, in the event that you get sued for claims, as long as the lawsuit claim is within the confines or coverage of your liability insurance policy, then your insurance provider will have three options to do for you and they are to: 1) defend, 2) indemnify, or 3) settle reasonable claims.

  • To Defend – this means that the insurer will attempt to defend your stand over the liability lawsuit you are being slapped with. Since insurers will have their own in-house lawyers, if their client does not have their own legal representation, the insurance company will be more than willing to provide their client with their legal defense team.
  • To Indemnify – the main duty when it comes to indemnifying means to settle all sums the client is being held liable for. Of course, there is a certain set policy limit as to how much the insurer is willing to release under the aspect of settling claims.
  • To Settle Reasonable Claims – if the claim is beyond reasonable doubt and the duty to settle a reasonably clear claim is met, the insurer has the option of settling the claim or fighting the case in court. The outcome of such move will yield only two results – losing the case and settling the policy limit, or winning the case without having to pay any liability settlement claims.

Types of Liability Insurance:

Public Liability – any business has the capacity to affect third parties who may get physically injured or have private or personal property get damaged as a result of one’s business operation.  Those who require public liability insurance most are those that occupy areas or premises where large numbers of third parties frequent at leisure.  This includes shopping malls, sports venues, hotels, resorts, theaters, markets, night clubs, beer pubs, and many more similar areas where lots of third party people congregate.

Product Liability – although not compulsory in all countries, different legislative bodies have directed this as a means of consumer protection.  In the United Kingdom, those manufacturing or supplying goods are supposed to carry some form of product liability insurance that is often in combination with their liability policy.

Employer Liability – new policies have been developed to provide coverage on any liability that an employer can be accused of should an employee get injured as a result of an employment.  Most insurance companies are prohibited from including or providing conditions within their policies that seek to impose conditions precedent to liability.  On countries where this form of liability insurance is not mandated as compulsory, a lot of small businesses and organizations are driven into bankruptcy when the claims filed against them are not covered by insurance.

Third-party Liability (TPL) – this is an insurance policy that is purchased to pay damages caused to another party by the insured, whether at fault or not.  TPL is purchased by the policyholder as a means of protection against claims made by another party, particularly if the damages or cost of damages being brought in sought of compensation is unreasonable or is beyond that of the damage made by the insured.

Liability insurance is without doubt an important investment for any small business.  As long as you know the type of liability insurance coverage that you need for your business insurance, you will be able to properly protect your business against unnecessary financial cost that may lead your business into financial ruin.  It is important to keep in mind that insurance is a means of protection and assistance on scenarios stated within their means of coverage.  By knowing what type of insurance will benefit you and your business, you will need to only spend on what is needed and necessary. 


Josephine County, OR. County Commissioner meeting Wednesday, January 28, 2015. On the agenda: the “Marijuana Initiative” Ordinace # 2015-004.”

All three Commissioners were present, Keith Heck, Cherryl Walker and Simon Hare, as were roughly 100 or so concerned citizens, most were there to present their case in opposition to Ordinance 2015-004. No one spoke in support.


“Approval of Resolution 2015-004; In the Matter of Submitting to Josephine County Voters at the May 19, 2015 Special Election, an Ordinance Regulating Marijuana and Marijuana Products.”

Numerous individuals ranging from Social workers, to growers voiced their concerns against Josephine County’s marijuana tax initiative. owner/editor, Dale Matthews, concerns were addressed directed mostly at Cherryl Walker, who was totally incapable of dodging Matthews comments. She appeared to turn quite pale at one point, while Keith Heck couldn’t even recite the correct proposal throughout the meeting continually referring to 20014-0004 instead of the correct Ordinance 2015-0004.

According to Matthews, Cherryl has previously stated on the record that no big business will come to Josephine County due to Mathew’s website where “we keep track of what our county government is up to” showing all video taped commissioners meetings, while on the other hand Commissioner Walker has stated publicly that website “doesn’t exist.” Which is it Cherryl?

Each speaker was only allowed a mere three minutes to present their case hitting every conceivable argument in opposition of proposal 2015-004. There was not one argument in favor of the matter.

Jo-Co attorney Wally Hicks made it clear this was make or break day, it goes before the people today, and if it doesn’t pass that’s it.

The Board of Commissioners (BCC) continually fidgeted attempting to “change one or two words here or there” to make this go through, according to Heck, but no matter how Josephine County Commissioners tried all eyes and ears in the room were ready to fire off more proverbial arrows in their direction at the slightest deception.

Former Jo-Co County Commissioner Sandi Cassanelli argued against the Marijuana Ordinance “because of the Draconian authority it gives to County Officials.” She goes on to say “To get a permit a person must sign a waiver granting the Oregon Health Authority to give the county any and all information it may request. Another waiver authorizes the Sheriff, his deputies, the Planning Department, the Tax Collector and her employees or agents, to enter the premises of an applicant for site inspections.”

Additionally, this hidden agenda which was not disclosed by the county Commissioners but was provided by Cassenelli’s presentation and documentation also included;

“An applicant must keep records at the premises that shall be available for inspection by County authorities at any time.”

“Failure to maintain these records are subject to a $1,000 penalty; and a $1,000 per day penalty can be imposed for each day the records are not made available for inspection.”

“Failure to file quarterly reports to the County is a separate violation and has a $1,000 penalty per each day the reports are late.”

“Failure to pay the tax required is yet another separate violation and has $1,000 penalty for each day the tax is delinquent.”

“Then if these taxes and penalties are not paid, the County can then place a lien on the subject property.”

These proposed demands are excessive and extortionate in their very nature. All agencies listed above stood to gain financially and share proceeds gained through actions of questionable legality. Constitutionality issues were addressed respectively.

One individual further argued that Josephine County Oregon was trying to grandfather in a tax but could not do since Initiative 91 won’t be lawful until July and Josephine County can’t collect taxes on unlawful activities.

Another argued that if he’s not home when the Sheriff comes snooping around “are they just going to shoot my dog?”

Anyone watching these days is fully aware that approximately every 90 minutes an officer is shooting someone’s dog for numerous excuses, even including having received alleged anonymous tips and arriving at the wrong addresses shooting the owners dogs anyway.

Others in opposition to Josephine County’s hidden agenda stated that should the county attempt to over regulate at the county level an issue the state is regulating, they will force any possibility of “Cannibusiness” back underground making no revenues at all and have to deal with the State.

One issue that was not addressed is the “Asset Forfeiture Laws.” Even though Eric Holder, who has never lied and whom we all trust implicitly, stated these proceeds are no longer to be shared at the federal level.

What Holder, did not state, on the other hand, that it is still local business as usual and keep up the good ole boys fast and furious asset forfeiture thievery already budgeted years in advance.

It’s not that the local Sheriff might inadvertently accidentally invade the wrong address, allegedly receive “a phone tip,” or go “shopping,” as they say, for a shiny new car on their “wish list” using Ordinance 2015-004 at the wrong address, where now the homeowner has to prove their innocence, after the fact, while their worldly possessions are inventoried and divvied out at the the union halls for the Sheriff, Tax Collector, Planning Department, and all the other team players mentioned above, but not limited to.

So, as the domino’s fall, next the proposed lien is applied against the homeowner, they get foreclosed on, and begin the court battle where the attorneys steal what’s left in their pocket. The judge hearing the trumped up case gets his share as do all the court officers and everybody’s richer, except the innocent individual whose every imaginable right was violated scarring them for life and now homeless unable to pay any proceeds into the County’s CAFR (See Walter Burien’s and P.E.R.’s accounts.

These Asset Forfeiture suspicions were confirmed when INFOWARS.COM released an article January 30, 2015 “Meet Loretta Lynch – Obama’s Attorney General Nominee Who Might be Even Worse than Eric Holder”

The author of that article writes;

“I’ve touched upon Mrs. Lynch’s record previously, in the post, Wall Street Journal Reports Obama’s Attorney General Nominee Has Been Involved in $904 Million in Asset Forfeitures. Here’s an excerpt:

As a prosecutor Ms. Lynch has also been aggressive in pursuing civil asset forfeiture, which has become a form of policing for profit. She recently announced that her office had collected more than $904 million in criminal and civil actions in fiscal 2013, according to the Brooklyn Daily Eagle. Liberals and conservatives have begun to question forfeiture as an abuse of due process that can punish the innocent.

Naturally, that was just the tip of the iceberg. What we have learned from her ongoing confirmation hearing is that she’s a lover of NSA spying and the death penalty, while disagreeing with the statement that “marijuana is no more harmful than alcohol.”

The Board of Commissioners hidden agenda is now exposed that Initiative 2015-004 is a duplicate of of Josephine County’s Code Enforcement 17.53, 17.54, 17.55 & 17.56 parroting fines, taxation and liens applied for unsightly properties, under the nuisance ordinances which nearly got Cherryl Walker recalled while attempting to exercise the exact same police state activities undisclosed in this sister proposal;

For more information on these nuisance ordinances please go to Margaret Goodwin’s article, “County Government vs. Citizens.”
For additional information click here.

It appears Josephine County will stop at nothing to create revenue out of thin air, repeatedly referring to Public Safety Laws, which of course, is the sheriff, police and fire. But again, what is NOT disclosed is that 40% of all revenue running through the court system, where all this would have eventually ended up should it have passed, should be put BACK into the county.

GRANTS PASS, CITY OF, traded on Dun and Bradstreet as a private company:

Further not disclosed to county taxpayers, is that GRANTS PASS, CITY OF is traded on Dun & Bradstreet, and also Traded as GRANTS PASS DEPARTMENT OF PUBLIC SAFETY; GRANTS PASS, CITY OF same address. See:

 GRANTS PASS is registered at, 924 SW PINE ST. APT E, GRANTS PASS, OR.

Pay close attention to the last entry above, “GRANTS PASS HOLDING COMPANY” “SALEM OR” that would be the Capital building.

Now, the county states they need revenues and they’re broke but they have a holding Company in Salem? What are they holding? All your hard earned taxed income in their for profit U.C.C. entities whose proceeds are not coming back into the county but going into their PUBLIC EMPLOYEES RETIRMENT SYSTEM (P.E.R.S.) accounts that Fred Starkey is far more capable than this reporter to explain in detail. See Fred’s artricle, “Why Josephine County is Broke.”

We won’t even get into the CUSIP  


DATE: September 25, 2014

AUTHOR: admin

Why would anybody want to break up prosperous, stable, and powerful states? Surely a Western Europe that was a patchwork quilt of itty-bitty states would sooner or later tempt a conqueror to try to scoop them up. The separatists cannot be unaware of that risk.

Here’s the funny thing about it:

The same need for self-defense that long ago moved the various peoples of Europe to consent to the formation of big states, now moves them to break up those states. Same cause, opposite effects.

The threat isn’t the Vikings anymore, or Napoleon. There is a Muslim threat, but more of that in a moment.

The threat to European nations’ liberty and prosperity is now the large states themselves, and especially the la-dee-dah elites that govern them—their drive to amass more and more power to themselves by merging all their countries into the European Union, and from there looking toward some fiendish scheme of global governance. As one commentator has observed, what’s one individual’s vote, or even the votes of an entire nation, in a super-state with a population numbered in the billions?

Imagine what the people in 11th-century England would have thought if their king and his nobles, instead of protecting them from the Vikings, kept inviting more and more Vikings to come and live in England. There is a Muslim threat to Western Europe because the ruling classes of those countries have done precisely that.

If the peoples of Europe were better Christians, they would not have trusted sinful, fallen men and women, no matter how rich and glamorous and well-educated, who promised to lead them to Utopia. But they did trust those promises, they did allow their rulers to grasp more and more power, and now they are dismayed because the only ones to benefit from all those schemes have been the rulers themselves. Well, Calvin, Knox, and Luther could have told them that. But so extravagant, so glittering were the promises, that hardly anyone listened to the many warnings that all that glitters is not gold.

Put even more simply, there are a lot of ordinary people in Europe who are sick and tired of getting pushed around, lied to, exploited, and manipulated by their leaders. A friend of mine who voted Yes for Scottish independence said, “We’re just fed up with being treated like a third-rate country by the English and their Parliament.”

There are plenty of people here in the USA, too, who are tired of being pushed around, lied to, and manipulated. That’s what the Bundy cattle-grazing flap was all about. That’s why we have a TEA Party. And if the federal government doesn’t stop pushing us around, there will be a lot more people who resent it. Just take a look at how the people are responding to the Worst Lady’s food-fascist school lunch program.It’s a dangerous state of affairs when people lose trust in their government: when they see their rulers—their elected representatives who don’t seem to represent them anymore, and their non-elected judges and opinion-shapers—battening on the nation’s hard work and productivity, growing ever richer, fatter, and more arrogant at the people’s expense, enacting policies that benefit no one but themselves: such as amnesty for illegal aliens, to create a new entitled class, a new electorate that will keep the rulers in office until the sun burns out.

We need governments to protect us from those who would take our lives and property. That is the role of government ordained by God.

But when the government itself becomes the plunderer—well, watch out. 


Below is a draft letter for you to forward to your MP, asking for (a) support to our amendments to C-17, and (b) to arrange to meet personally with Trueman Tuck.

Please also send a copy of your letter to the Senators in your province.  Email addresses for them can be found at



We Need Your Help to amend the Food and Drugs act Bill C-17
Jun 6, 2014

                    I am a strong supporter of individual human beings’ unalienable rights of Informed Freedom of Choice.  The majority of the world’s population relies upon dietary food supplements, defined as “ includes any product intended to supplement the diet that contains one or more of the following ingredients:  a vitamin, a mineral, a herb or botanical, an amino acid, a dietary substance for use by human beings to supplement the diet by increasing total dietary intake, and/or a concentrate, metabolite, constituent, extract or combination of any of the aforementioned substances” for their primary health care for themselves and their loved ones.

                    Mr. Trueman Tuck, on behalf of Friends of Freedom International [See] and the Canadian Coalition for Health Freedom [See], has amended the proposed version of Bill C-17 [Vanessa’s Law] [See Exhibits 1 & 2] to incorporate this definition into this Bill to amend the Food and Drugs Act.

                    In addition, Mr. Tuck has amended Bill C-17 to delete section 3 of the existing Food and Drugs Act.  You may not be aware of it, but this section was added to the Food and Drugs Act in 1934 [See Exhibit 3] and makes it a criminal offense to truthfully advertise the positive benefits of Dietary Food Supplements and other regulated products.  This existing provision is not constitutionally valid and after 80 years needs to be deleted.

                     Dr. James Lunney’s and Dr. Colin Carrie’s Private Members’ Bill C-420 in 2003 through 2005 had attempted to make these two improvements to the outdated Food and Drugs Act.  I need you to support Mr. Tuck’s proposed improvements to the Bill C-17 and allow Mr. Tuck to appear as a witness to speak on my behalf on why incorporating these improvements into Bill C-17, which will significantly improve the Federal Government’s regulatory ability to protect my good-health and well-being and that of those I love.

                    We were promised in the extensive Canadian Standing Committee on Health in 1998 reports and the Minister’s subsequent acceptance of the 53 recommendations [See Exhibit 4] that the outdated Food and Drugs Act would be amended to create an appropriate Federal Regulatory system for our ultra safe Dietary Food Supplements.  I am very upset that my Dietary Food Supplements are now being called Natural Health Products and regulated in the same fashion as deadly pharmaceuticals (Allopathic Drugs).

                    I fully support the need to better protect me and my loved ones from the Allopathic Drugs, but also need to ensure that the selection, pricing and availability of Dietary Food Supplements as defined above are protected from decades of ongoing prejudicial Health Canada Abuse.  For details please visit  Mr. Tuck’s proposed amendments to Bill C-17 will modernize the 1884 Adulteration and Fraud Act [See Exhibit 5], the title of which was changed in 1920 to the Food and Drugs Act [See Exhibit 6].

One of the best ways to protect me and my loved ones from the dangerous and deadly allopathic drugs/medicines is to allow me to know the truth about the risks and benefits of allopathic drugs/medicine, as well as the risks and benefits of food based medicine (Dietary food supplements).

                     I have copied this letter to my MP and Members of the Canadian Senate and respectfully request that all of you put our individual human being’s rights of Informed Freedom ahead of all other considerations and incorporate Mr. Tuck’s recommended amendments to the over 100 year old existing Food and Drugs Act.

                     Please meet with Mr. Tuck as my representative and support his appearance before both the Parliamentary and Senate Committees reviewing Bill C-17.

                                   I do not want what happened with Bills C-51, C-52, C-6, C-36 and C-38 to occur with Bill C-17, which was the fast tracking of the bills without providing full and proper balanced witness appearances and incorporating much needed amendments that were clearly in the public interest.

                    There is nothing more important to me as a Canadian than fully protecting the unique Canadian emphasis on individual human beings’ constitutionally protected rights, freedoms and liberties.  We cannot allow the Canadian Rule of Law and Written and Unwritten Constitution [See Exhibits 7, 8 & 9] to be eroded and destroyed.  I do not want my Canada to be ruled by tyrants who have no respect or regard for human rights.

                    Please confirm receipt in writing of this communication and that you will meet with Mr. Trueman Tuck to discuss these matters and support his appearance as a witness on my behalf.

             Thank you.

            Yours Sincerely,

–          David W. Rowland



DATE: June 20, 2014

AUTHOR: admin

The following are the issues relating to our consumer safety concerns about all products covered under the 100 year old and flawed Food and Drugs Act and related areas ofconcern in the Business Impact to small and medium family operated businesses in our non-pharmaceutical Drug trade and commerce sector.

Agenda items as follows;

[1] The fast tracking of significant legislative changes to the Food and Drugs Act  as per Bill C-38 and now C-17 and our inability to have an input,

[2] The inability of government sponsored legislation to implement the 53 recommendations and various Standing Committee on Health Reports from 1998 pertaining to our ultra safe Traditional Natural Medicines, Food Based Medicines and Cultural Medicines such as Traditional Chinese Medicines and to correct the 1920, 1927 and 1934 deliberately created flaws in the existing 1884 Adulteration and Fraud Act. The name was changed to the Food and Drugs Act in 1920.

[3] The need for a legislative Early Administrative Dispute system where differences of opinion exists on who is involved in criminal activities – us or the Health Canada, Canadian Border Services and/or Canadian Food Inspection staff,

[4] The issues associated with the use-based definition of a pharmaceutical Drug/Medicine created in 1920,

[5] The issues associated with the section 3 and schedule A of the existing Food and Drugs Act created in 1934,

[6] The constitutional validity issues with the Pharmaceutical sub-class of drugs/Medicines known as Natural Health Products  and related import and other prohibitions on trade and commerce.

Our Canadian Health Freedom Movement is very concerned about the Rule of Law degradation and increasing Police state type mentality in both the elected and appointed federal Public Servants that Bills C-51, C-52, C-6, C-36, C-38 and now C-17 reveals to the traditional individual human being rights, freedoms and liberty oriented Canadian civilized society values and principles.    

There are two other key leaders in the Canadian Health Freedom Movement that will be participating with me – Dr. David Rowland from New Brunswick and Chris Gupta from London, Ontario.

Due to the number of participants I have setup a conference call.

Thank you.

Yours for Right to Prevail,

Trueman Tuck 


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