Posted by MikeT23 on 1/26/2016 6:21:00 PM (view original):
If you're shot dead in the street by cops, you were probably doing something wrong.  Who the hell acts so poorly around people with guns, and the authority to use them, that they get shot?


See how that works?

That's easy for a middle-aged white guy to say.

In lots of areas, the black community has the sense that they will not be treated fairly by the criminal justice system.  In a lot of areas, this feeling is at least partially justified.  That doesn't mean they should disobey cops, but it does to an extent explain the mindset that says you try to get away from the police, even if you haven't done anything wrong.  You can still have a crime pinned on you that you didn't commit, and it happens a lot more often to people who aren't white or Asian.

I thought you were smarter than that.   You were blaming the victim for not having insurance.    He didn't burn his business to the ground.   How is it his fault that he no longer has a business?


I could have followed your lead, explained how some small businesses live check to check and insurance is a luxury.   And how it's easy for a college educated white guy in his upper 20s to say "Get insurance" but that seems rather pointless.

The point is "don't blame the business owner when his business is burnt to the ground during a riot."

And, FWIW, I was the long-haired, dangly earring, wife-beater wearing white guy for a couple of years.   They don't get a lot of respect from police either.   While harassed more than once, I managed to avoid getting shot.  

At the end of the day, rioting isn't a "viable option".   If someone is damaged because of the riot, it is not their fault.   It doesn't matter if they had a poorly run business with no insurance, it was their business and, if they weren't the direct cause of the riot(and it wouldn't be a riot if they were the only one damaged due to said "riot"), they are not at fault. 

Don't excuse bad behavior.

I'm not pro-riot, here.  I'm just responding to raucous.

BL using insurance as a means to make rioting tolerable is a laugh. There's a good chance those businesses won't be covered by insurance since the damage was not a natural catastrophe, fire, wind, storms, ..... And even if they are covered who the h3ll does he think really pays for the damage? The insurance company? Yeah, right! The people buying the insurance end up paying for the damage in higher premium rates.

Posted by dahsdebater on 1/26/2016 7:26:00 PM (view original):
I'm not pro-riot, here.  I'm just responding to raucous.

Well, you're responding stupidly by insinuating that the business owner without insurance is at fault if he loses his business during a riot.    Do better.

Posted by dahsdebater on 1/26/2016 6:54:00 PM (view original):

Posted by MikeT23 on 1/26/2016 6:21:00 PM (view original):
If you're shot dead in the street by cops, you were probably doing something wrong.  Who the hell acts so poorly around people with guns, and the authority to use them, that they get shot?


See how that works?

That's easy for a middle-aged white guy to say.

In lots of areas, the black community has the sense that they will not be treated fairly by the criminal justice system.  In a lot of areas, this feeling is at least partially justified.  That doesn't mean they should disobey cops, but it does to an extent explain the mindset that says you try to get away from the police, even if you haven't done anything wrong.  You can still have a crime pinned on you that you didn't commit, and it happens a lot more often to people who aren't white or Asian.

Chances are, even if you are black and innocent, you'll get a crime pinned on you more-so IF you try to get away from police, NOT if you cooperate. By trying to get away all you are doing is making yourself look guilty. Big mistake.

Posted by bheid408 on 1/26/2016 7:32:00 PM (view original):
BL using insurance as a means to make rioting tolerable is a laugh. There's a good chance those businesses won't be covered by insurance since the damage was not a natural catastrophe, fire, wind, storms, ..... And even if they are covered who the h3ll does he think really pays for the damage? The insurance company? Yeah, right! The people buying the insurance end up paying for the damage in higher premium rates.

How many times do I have to say that I'm not saying riots are good because of insurance. I'm saying that riots aren't a tragedy. Part of the reason they aren't a tragedy is that the damages can be mitigated by insurance.

And yes, riots and vandalism are covered by the ISO commercial property insurance form.

Posted by bheid408 on 1/26/2016 7:32:00 PM (view original):
BL using insurance as a means to make rioting tolerable is a laugh. There's a good chance those businesses won't be covered by insurance since the damage was not a natural catastrophe, fire, wind, storms, ..... And even if they are covered who the h3ll does he think really pays for the damage? The insurance company? Yeah, right! The people buying the insurance end up paying for the damage in higher premium rates.

Not to mention, if a business is damaged or burned to the ground, the fact they "they have insurance" doesn't get the business magically rebuilt and back in operation the next day.  It may take many months for them to go through the red tape of dealing with the insurance company to get their claims processed, get some money in hand, and then do the work to get the building repaired or rebuilt and eventually reopened.

That's many months of lost (taxable) revenue for the business owner, plus many months of lost wages by the employees of the company.

I thought BL advocated for the working class folks.  I guess the truth is that he really doesn't if they're inconvenient to his larger agenda.

Posted by tecwrg on 1/26/2016 7:51:00 PM (view original):

Posted by bheid408 on 1/26/2016 7:32:00 PM (view original):
BL using insurance as a means to make rioting tolerable is a laugh. There's a good chance those businesses won't be covered by insurance since the damage was not a natural catastrophe, fire, wind, storms, ..... And even if they are covered who the h3ll does he think really pays for the damage? The insurance company? Yeah, right! The people buying the insurance end up paying for the damage in higher premium rates.

Not to mention, if a business is damaged or burned to the ground, the fact they "they have insurance" doesn't get the business magically rebuilt and back in operation the next day.  It may take many months for them to go through the red tape of dealing with the insurance company to get their claims processed, get some money in hand, and then do the work to get the building repaired or rebuilt and eventually reopened.

That's many months of lost (taxable) revenue for the business owner, plus many months of lost wages by the employees of the company.

I thought BL advocated for the working class folks.  I guess the truth is that he really doesn't if they're inconvenient to his larger agenda.

Business income and extra expense is also covered by the commercial property form. You get your net income for the time you're down, money if you have to rent a temporary space, etc.

Posted by tecwrg on 1/26/2016 7:51:00 PM (view original):

Posted by bheid408 on 1/26/2016 7:32:00 PM (view original):
BL using insurance as a means to make rioting tolerable is a laugh. There's a good chance those businesses won't be covered by insurance since the damage was not a natural catastrophe, fire, wind, storms, ..... And even if they are covered who the h3ll does he think really pays for the damage? The insurance company? Yeah, right! The people buying the insurance end up paying for the damage in higher premium rates.

Not to mention, if a business is damaged or burned to the ground, the fact they "they have insurance" doesn't get the business magically rebuilt and back in operation the next day.  It may take many months for them to go through the red tape of dealing with the insurance company to get their claims processed, get some money in hand, and then do the work to get the building repaired or rebuilt and eventually reopened.

That's many months of lost (taxable) revenue for the business owner, plus many months of lost wages by the employees of the company.

I thought BL advocated for the working class folks.  I guess the truth is that he really doesn't if they're inconvenient to his larger agenda.

I was going to mention this but figured it didn't really matter.   You can get lost income and wages but it doesn't magically appear next Friday.    There is a process and it's has to be completed.   For a week to week or month to month business, it's death.

Posted by bad_luck on 1/26/2016 7:43:00 PM (view original):

Posted by bheid408 on 1/26/2016 7:32:00 PM (view original):
BL using insurance as a means to make rioting tolerable is a laugh. There's a good chance those businesses won't be covered by insurance since the damage was not a natural catastrophe, fire, wind, storms, ..... And even if they are covered who the h3ll does he think really pays for the damage? The insurance company? Yeah, right! The people buying the insurance end up paying for the damage in higher premium rates.

How many times do I have to say that I'm not saying riots are good because of insurance. I'm saying that riots aren't a tragedy. Part of the reason they aren't a tragedy is that the damages can be mitigated by insurance.

And yes, riots and vandalism are covered by the ISO commercial property insurance form.

you are a tool. 10 months after the riots look at the carnage... http://www.wsj.com/articles/in-ferguson-mo-a-long-road-getting-back-to-business-1434335882

A criminal dies 18 months ago because HE PUNCHED A COP and a city is crippled, still, today. TOOL!

Posted by dahsdebater on 1/26/2016 5:31:00 PM (view original):
If your business isn't profitable enough to have your facility and any inventory you have insured, you probably weren't going to be around for long anyway.  Who the hell doesn't have insurance on their business?

If you have a business in Ferguson, you are probably paying 5 to 10 times more for insurance than a place that doesn't have riots.

That is providing any insurance company would even want to insure it.