One Pli
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 ONE PLI 9W PM 5A 120VAC 9MM AMBER NEON PILOT LIGHT  US $1.00
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 ONE PLI 9T PT 5R 120VAC 9MM RED NEON PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 24VACDC RED NEON PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24G 24VACDC NEON PILOT LIGHT 7MM GREEN US $1.00
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 ONE PLI 7T RS 24R 12VACDC RED NEON PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 120V L 7MM RED LED PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 230V L 7MM RED NEON PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 230V L 7MM RED LED PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 120VAC 7MM RED LED PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 12VAC DC L 7MM RED LED PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 24VAC DC L 7MM RED LED PILOT LIGHT US $1.00
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 ONE PLI 7T RS 24R 230VAC 7MM RED LED PILOT LIGHT US $1.00
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 ONE NEW PLI 7T RS 24R 12V L 7MM RED LED PILOT LIGHT US $1.00
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 ONE NEW PLI 7T RS 24R 24V L 7MM RED LED PILOT LIGHT US $1.00
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 ONE PLI 9W PM 5A 120VAC L 9MM AMBER LED PILOT LIGHT US $1.00
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 ONE PLI 9T RL 5R 12V MINI NEON PILOT LIGHT 9MM RED US $1.00
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Factors in Minimizing PLI Expenditures
Professional liability insurance, or PLI, is a crucial component of any professional design firm. Professional liability insurance for engineers, architects and surveyors is often referred to as PLI for designers. PLI premiums are determined through a process involving the assessment of several factors over which designers have some control. Leveraging this control is imperative to optimize premiums and minimize the effect of liability insurance on profitability.
One example of a controllable factor is exploring the factors insurance carriers use in their quotation creation process for professional liability clients. Consequently the application process should be optimized for achieving the best possible outcome for the design firm or independent professional.
Design companies must make their business attractive to insurance carriers to obtain the best possible terms and pricing. The first step in this strategy is to identify the different risk factors and then present your design firm in the most positive way. While numerous factors determine the risk that a design firm poses to an insurance company, for the purpose of this discussion we will focus on the most critical areas. They include:
- The location of the firm
- The locations of design firm projects
- Project types (traditional commercial projects such as offices, warehouse and retail are often more attractive to carriers than swimming pools and amusement parks).
- Loss History
Projects with high perceived risk are much less attractive to insurance carriers than projects with a nominal risk profile. Projects with emotional attachments or those which have a high loss exposure can be detrimental to design firm PLI. Though working within the genres is necessary, it is prudent to understand the exposures and manage the risk as much as possible. This can only be accomplished by a firm that is fully aware of the factors involved.
Insurance carriers closely review loss history as well. Design projects can results in significant claims. There also is the perception and statistical likelihood that past claims are a fair indicator of potential future claims activity. As a result, a design firm with some significant claims in their past generally pays a much higher rate than a similar firm with nominal past claims. Carriers can look as far back as ten years back when evaluating a larger firm's loss history.
If a firm has a history of claims it still possible to cast the exposure in a more positive light utilizing the appropriate approach and documentation. When carriers review the loss history of a design firm, the approach and documentation that the design firm utilizes will prove critical in the resulting professional liability premiums. Ultimately, design firms along with their professional liability insurance broker must negotiate with insurance carriers to favorably characterize their firm and provide the mitigating information necessary to encourage the most competitive premium quotes.
About the Author
Hall & Company provides Professional Liability Insurance to Architects, Engineers and Environmental Consultants. We specialize in the placement of Errors and Omissions Insurance (E&O Insurance) and serve as insurance brokers to several thousand design firms nationwide. In addition to Professional Liability Insurance, we also provide all of the Property Casualty Insurance coverages that Architects and Engineers need.
Our customers are design professionals of all types and sizes; including Land Surveyors, Construction Managers and Design/Build Firms. We insure firms that range in size from one person to firms listed in the ENR 500. We work with a wide variety of insurance companies but also offer a number of professional liability insurance programs that are exclusive to Hall & Company and are not available though any other broker.
Our approach is to meet the insurance needs of design professionals by offering experienced and knowledgeable staff, high-quality and competitively-priced products, and thoughtful, attentive service.
How do I dual boot Windows 7 and Chromium OS?
My primary OS is 7 Ultimate but I also want to have Chromium OS on my system. I get Chromium from here https://docs.google.com/leaf?id=0B7yYrZFhk4G4NGI4NDI0MWEtOGU4NC00MTlhLTgwODAtMDA3YjNjMTJlMzFh&sort=name&layout=list&num=50&pli=1
This build is made by the yensid team.
I also would like the dual boot to happen in the windows boot stage so that it works better with my desktop encryption. Thanks!
Also, I need this to be a dual boot on one HD.
Google Chrome OS is a Linux operating system, I use Linux/Ubuntu as a dual boot on my PC.
I cannot imagine that it would be any different than to dual boot Chrome OS compared to Ubuntu.
My link should get you started:
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