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Liability and Insurance Issues. Theodore A. (Ted) Feitshans Extension Associate Professor Department of Agricultural & Resource Economics North Carolina State University 919-515-5195 [email protected] January 14, 2014.

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Liability and insurance issues

Liability and Insurance Issues

Theodore A. (Ted) Feitshans

Extension Associate Professor

Department of Agricultural & Resource Economics

North Carolina State University

919-515-5195 [email protected]

January 14, 2014


DISCLAIMERInformation provided is for educational purposes only; nothing herein constitutes the provision of legal advice or services, and no attorney-client relationship is formed. E-mail correspondence to and from this address ([email protected]) may be subject to the North Carolina Public Records Law and may be disclosed, if permitted by law, to third parties. All e-mail to and from this address will be archived for a minimum period of 10 years.IRS CIRCULAR 230 NOTICE: To ensure compliance with the requirements of IRS Circular 230, we inform you that any U.S. tax information provided for educational purposes that is contained in this communication or attachment hereto is not intended or written to be used and cannot be used for the purpose of avoiding penalties under the Internal Revenue Code or for promoting, marketing or recommending to another party any transaction or matter addressed in this communication or attachment.









Quasi intentional torts
Quasi- IntentionalTorts


Negligent torts
NegligentTorts






Breach of duty
BreachofDuty


Proximate cause
ProximateCause


Actual damages
Actual Damages


Contributory negligence
ContributoryNegligence









Risk evaluation

Low-Severity, Low-Frequency

High-Severity, Low-Frequency

Low-Severity, High-Frequency

High-Severity, High-Frequency

Risk Evaluation



Selection implementation
Selection&Implementation


Program monitoring
ProgramMonitoring


What is insurance
WhatIsInsurance?









Policy holder insured third party beneficiary
Policy holderInsuredThird-party beneficiary


Agent broker
Agent/Broker


Insurable interest
Insurable Interest





Insurance NeedsDisability Products LiabilityHealth Life: owner & key employeesProperty/CasualtyLiabilityMotor vehicleBusiness interruption


Motor vehicle issues
Motor VehicleIssues


Managing your insurance
Managing Your Insurance










N c department of insurance
N.C. Department of Insurance

For assistance in finding authorized insurance services in North Carolina:

  • N.C. Department of Insurance http://www.ncdoi.com

    To check the license status of an agent: https://sbs-nc.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

    For help with unauthorized insurance:

  • 1-800-546-5664 Consumer services

  • (919) 733-7487 Agent services


N c department of insurance1
N.C. Department of Insurance

  • For assistance finding insurance, regularly licensed companies and surplus lines:

  • http://www.ncdoi.com/Consumer/Consumer_Business.aspx

  • “This Program is designed to assist commercial insurance buyers in their efforts to obtain difficult-to-place commercial coverage. Agents and consumers can call 919-807-6750 or 800-546-5664 (toll free in N.C.) for assistance.”


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