Fifth , if you are a blogger or social media user who reviews or otherwise writes about products and services, the Federal Trade Commission has issued " Guides Concerning the Use of Endorsements and Testimonials in Advertising " that may impose disclosure requirements on you. These guidelines require that you disclose "material connections" you may have with a company whose products or services you "endorse." Without the legal jargon, this means that bloggers and social media users must disclose their relationship with a company when they are being paid or otherwise compensated by the company to comment favorably on its products or services. We cover these requirements in the section on Publishing Product or Service Endorsements .
The goal of a CAR insurance policy is to ensure all parties are covered on a project, regardless of the type of damage to the property or who caused the damage. Insurers, who underwrite this type of policy, lose the right to subrogation , meaning that if it pays out funds to one party in the contract, it cannot seek to recover those funds from another party in the contract. For example, if the owner of a large building and the contractor working on the building are on the same CAR policy, any damages to the building caused by the contractor can be recovered by the building owner when a claim is filed. The insurer, however, cannot seek to recover funds from the contractor.
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