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Who’s at risk and what puts them at risk? One death in every ten minutes is a result of heart disease, making heart disease the number one cause of morality of both men and women in Australia. Trachea and lung cancer come in second for men, while stoke for women. Lower respiratory disease, colon and rectum cancer and blood and lymph cancer all also top the list. Death may be inevitable; however, some lifestyle choices will affect your quality of life. Regular exercise and following a healthy diet may decrease your chances for becoming a victim, and life insurance will give you a piece of mind just in case you do.
Or simply credit the source using this link:
<a href="http://www.life.realinsurance.com.au">life insurance</a>
Insurance Support World is a leading global provider of insurance back-office outsourcing solutions. Our team comprises of skillful professionals who bring in deep business insight and extensive insurance domain expertise.
Quite a few of these on the buildings in the conservation area in central Deal. I guess they are old fire insurance plaques which were a guarantee that the fire brigade would put out any fire at the premises (as they would be reimbursed for their services, I assume).
This one is the "London & Lancashire"
When will cars... stop needing insurance?
... all be electric?
... stop using gas?
... breakdown?
... get in an accident?
... all drive themselves?
... be 100% safe?
... be able to fly?
... etc.
Free Creative Commons Finance Images... I created these images in my studio and have made them all available for personal or commercial use. Hope you like them and find them useful.
Find more of our CC by 2.0 finance images by visiting our "photo stream" or see "about" for attribution.
Statistically one out of every seven insurance brokers will file an E&O claim during their career. In fact, insurance agents rank fourth among professions in number of legal claims being filed against them. Only physicians, attorneys and accountants have more (Tillinghast Survey).
An insurance agent that is not adequately covered by P&C Insurance Agent EO Insurance is exposed to the possibility of being held fully responsible for the damages if a lawsuit is filed against them.
Insurance brokers provide essential services to individuals, families, and businesses by helping them to locate and acquire adequate insurance protection. Most insurance brokers, however, do not think about the exposure that is involved with this industry. Recommendations that you provide for insurance, either to purchase or skip, may return as a EO claim when a client decides that you were wrong in your direction. Clients facing a major problem with an insurance policy, or lack thereof, may file a claim against you, threatening your career, income and possessions.
== Reasons For P&C Insurance Agent EO Insurance ==
Errors and omissions insurance for insurance agents protects the agent from any claim, real or perceived, that arose from their personal involvement in the sale or servicing of an insurance product. P&C Insurance Agent EO Insurance tailor made to serve the small individual agents to large agencies selling property and casualty insurance coverage. With your policy you get 24 hour protection from lawsuits arising from negligent acts, errors or omissions arising from your activities as an individual agent or broker. Coverage is available for you as a general agent or broker and includes your non-licensed staff.
“We’re in an increasingly litigious environment,” says Claire Wilkinson, vice president-global issues, at the Insurance Information Institute, in New York. “There’s definitely an uptick in the number of agents buying insurance, in part because of the litigious environment. It’s essential for them to have adequate coverage.”
“At this agency, we wouldn't think of operating without suitable coverage,” says Jim Armitage, vice president of multi-lines agency Arroyo Insurance Services, in suburban Los Angeles. “In this litigious climate, people sue at the drop of a hat, and you need to have insurance protection.”
“We wouldn't even dream of doing that,” said Bernstein, vice president of TLB Insurance Services. “The risk is horrendous; it’s hard to believe anybody would operate in the insurance profession without suitable coverage.”
“Even if you could get away with it,” warns Mann of Fireman’s Fund, “it’s not worth it because you would at the very least lose your company appointment. But beyond that, you could lose everything including your house and your business if you get sued and have no E&O protection.”
“Litigation from hurricane, flood and other weather-related claims will clog up insurance company claims offices and courts on a long-term basis. Katrina claim cases will go on for years and years. It’s a flood of litigation, it’s here to stay and it’s only going to get bigger.”
Agency owners with inadequate E&O coverage stand to lose their homes, their businesses and their assets.
== Insurance Agencies Exposure To Risk May Be Greater Than They Realize ==
“Agents need to understand their exposures might be much higher than they think they are. So they should buy as high a limit as they can afford. A $1 million limit isn’t adequate for agents in these litigious times.”
Henderson’s comments are especially true for agents in California, which is considered the litigation capital of the country. Given the rate of lawsuits combined with the high valuations of commercial and residential properties, carrying only $1 million in limits is shortsighted, Henderson says. Defense costs alone could run from $100,000 to $500,000 depending on the complexity of a case, he noted.
== Are You Adequately Protected? ==
There are steps you should take with regard to your business. Your profession as an agent has a lot to do with the care you render your customers. When carrying out your responsibilities as an agent, you may commit an error or mistake. Your customers may decide to seek justice in court. If you’re not properly protected by EO insurance coverage, you may end up bearing the full cost of the litigation process. However, you can protect yourself with EO insurance for property and casualty insurance agents. This is a professional liability insurance instrument tailor made to protect insurance agents from whatever errors, mistakes or omission they may commit in the course of day to day business.
Errors, mistakes or omissions can occur anytime while you work as an insurance agent. It can come up as a breach or negligence of a hand shake agreement. When such an error or omission occurs, litigation may be lodged against you. If you’re adequately covered by E&O insurance for P&C insurance agents, you’re protected from financing the full cost of the defense for the lawsuit that may be filed against you resulting from the mistake committed or is alleged.
== Incomplete EO Insurance Coverage ==
Gaps in coverage are common in EO insurance. A modest survey suggested that many agents are mistaken in what a gap in coverage really is or its harsh consequences. For example several insurance brokers incorrectly believed since they were not writing business during specific months, they did not need continuous coverage.
EO coverage for property and casualty insurance agents is professional liability errors omissions insurance designed to handle the risks of P&C agents brokers and agencies.
Property and casualty insurance agents have very specific risk exposures that increase with the volume of business they write. We know E&O insurance coverage for property and casualty insurance agents and analyze your specific situation to ensure there are no gaps in your professional liability insurance coverage.
We understand that agents are striving to cut expenses without sacrificing protection. That’s where we come in. We completely analyze your agency and develop a solution specific for you. This often eliminates purchasing coverage you don’t need and replacing it with coverage that you do.
If you’re a successful professional but only purchased a generic policy, you may be opening yourself to more risks and liability. Have our team review your EO insurance, and we’ll analyze every angle to protect you and the agency you've built.
Since we have a large book of insurance agents E&O, we have excellent relationships with our markets. As your advocate, we can often negotiate better terms with the insurance carriers while offering superior EO coverage options. wwwcf.fhwa.dot.gov/exit.cfm?link=http://www.niccomins.com export.gov/wcm/fragments/fl_eg_outsidelinks/redirect.asp?...
The building to the right is the main office of an insurance company founded in 1746, making it the oldest insurance company in Scandinavia. They used to deal mainly with fire insurance, hence the name.
To our left is a building finished in 1888, and originally it housed an insurance company as well. Today however, it is used by the Parliament of Sweden.
Choosing the right Houston auto insurance company is to consider the type of coverage that you need. For instance, if you have a less than perfect driving record or past credit problems, you may want to compare auto insurance costs from companies who specialize in giving customers a second chance to earn discount auto insurance. If you own more than one vehicle, you may find that some Houston insurance companies will offer cheap auto insurance rates in exchange for becoming your exclusive provider. In other words, transferring all of your policies to one company may result in discount Houston tx auto insurance at its best.http://amtexinsurance.com/location-finder/houston/
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The harsh reality these days is that the global economy is struggling, and no jobs are guaranteed. In Australia, some industries and regions are more stable than others, and there are thousands of people looking for anyone that will hire. If you’re lucky enough to be employed, there’s never been a better time to consider getting income protection insurance.
Or simply credit the source using this link:
<a href="http://www.life.realinsurance.com.au/Income-Protection-Insurance.aspx">income protection insurance</a>
A detailed shot of an insurance agent walking a client through a claims sheet in a binder in his office.
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This is a cartoon image of a crocodile who wants to find the right health insurance, but is really depressed and confused due to various offers from health insurer. To know more about this story, visit www.medical-reference.net/2013/06/how-to-find-right-healt...
Insurance
Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An insurer, or insurance carrier, is a company selling the...
Commonwealth Insurance (1,590 square feet)
5010 Nine Mile Road, Richmond, VA
This business opened in 2016; it was originally a Pearle Vision, which was built and opened in 1979 and closed in 2015.
Deen Dayal Swasthya Seva Yojana DDSSY
(Universal Medical Insurance Scheme) Commenced today 1.9.16 at IMB Hall, Panaji
more here
joegoauk-pointofview.blogspot.in/2016/06/deen-dayal-swast...
Victor Albuquerque
Laxmikant Parsekar Goa Chief Minister
Francisco D’Souza Dy Chief Minister
Business Insurance is a strategy that most business owners are happily enjoying as it supports the coverage while taking loans. However, mortgagees do not value the fact that business insurance protects the living of a business if a devastating loss should get place at www.icfrithwa.com.au/insurance-products/business-insuranc....
www.wearandcheer.com/new-build-home-insurance/
There are many necessary insurance considerations when it comes to covering a new build home. Read our guidance to new build home insurance to find out more.
Read about: What Does Travel Insurance Really Cover
Compare home insurance quotes
When you prepare your mind about purchasing a property, ...
by Farida Sarwar on Wear and Cheer - Fashion, Lifestyle, Cooking and Celebrities - Visit Now www.wearandcheer.com/new-build-home-insurance/
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The demand of insurance back office outsourcing process has increased more than ever. The processes related to insurance memberships also have to be taken care of.
Bridgei2i is very good provider of insurance analytics. Their insurance analytics solutions bring in a unique combination of advanced analytics techniques and domain experience to help businesses develop a clear understanding of the market landscape, prioritize marketing channels and transform digital data into actionable insights to deliver incremental marketing return on investment. For more.. www.bridgei2i.com/insurance-analytics-solutions
This is a great site to learn about business insurance. Business insurance can help protect you from huge financial loss. www.farmers.com/business_insurance.html
I created this illustration using Painter's rough chalk tool. I think it became a brochure cover for a pharmaceutical shipping company.
When traveling to ski or snowboard, different contingencies may arise, such as accidents, losses on track, problems with luggage, illness or problems that may arise which compels us return to our place of origin, or to spend unforgettable days, but in the negative.
Such situations can have very h...
Photo outside the Anthem Blue Cross/Blue Shield office in Saint Louis, Missouri
Update: Featured photo in this blog post about a hacker attack on Anthem insurance medcitynews.com/2015/02/health-insurer-anthem-suffers-maj...
Used in this blog post about whether Anthem and other insurance companies have incentive to protect customer data from breaches www.govtech.com/opinion/Editorial-Theres-Not-Enough-Incen...
As seen in this blog post about creating new rights for insurance customers www.palisadeshudson.com/2015/02/time-for-a-cyber-stand-yo...
Featured photo in two Tech Times news posts about the hacking of Anthem's database www.techtimes.com/articles/31532/20150208/anthem-massive-... and www.techtimes.com/articles/35374/20150226/18-8-million-nu...
Used this blog post about security gaps in cloud apps insurancethoughtleadership.com/cloud-apps-routinely-expos...
As seen in this Gatehouse Media syndicated story about the worst data hacks in history www.doverpost.com/article/ZZ/20150608/NEWS/150609897/1994...
Featured photo in this WBAA public media blog post about the pending merger of Anthem and Cigna insurance companies wbaa.org/post/anthem-boss-cigna-deal-many-other-mergers-o...
Used again in this follow-up news article about government regulators rejecting the proposed Anthem merger wbaa.org/post/federal-lawsuit-blocks-forthcoming-anthem-c...
And in another follow-up about the merger deadline being extended another 3 months wbaa.org/post/anthem-cigna-merger-deadline-extended-three...
As seen in another blog post about court rules around Anthem's merger globalcompetitionreview.com/article/1081329/anthem-wants-...
Lastly used in this blog post about the failed merger of Anthem and Cigna wbaa.org/post/what-does-anthem-cigna-failure-say-about-he...
Featured in this blog post about changes in Anthem's deductible policies www.fiercehealthcare.com/payer/anthem-gets-flak-for-anest... and in another blog post about Q4 2017 earnings www.fiercehealthcare.com/payer/anthem-shares-recover-afte...
Used in this article about the failed merger between Anthem and Cigna indianapublicradio.org/news/2017/05/what-does-anthem-cign...
Used in this timeline to show the 2015 Anthem hack h5p.org/h5p/embed/289449
As seen in this news story about virtual primary care www.newhavenbiz.com/article/anthem-blue-cross-becomes-lat...
In this list of the biggest healthcare companies in the world largest.org/misc/healthcare-companies/#more-1885
Get The Best Health Insurance Plan : If you’re looking to get the best health insurance plan for you, your spouse, or your family, then you have landed to the right page. Health insurance plans can definitely insure you from unwanted and unexpected medical emergencies. Even, it also keeps...
Long Q rush at registration centre, Urban health Centre Panaji
Deen Dayal Swasthya Seva Yojana DDSSY
(Universal Medical Insurance Scheme) Commenced today 1.9.16 at IMB Hall, Panaji
more here
joegoauk-pointofview.blogspot.in/2016/06/deen-dayal-swast...
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Our monthly rates for life insurance depend on many factors, but most predominately gender, age, whether or not you smoke, and the amount of coverage you desire are key. A quick comparison of life insurance with the charts below can tell you if you are paying more than the industry average for your coverage, and what you can do to reduce your rates.
Or simply credit the source using this link:
<a href="http://www.guardianinsurance.com.au/Life-Insurance.aspx">life insurance</a>
If you are looking for catastrophic health insurance coverage, your goal is to get the best rate you possibly can with a top-rated insurer. The following explains exactly how to do that.
What is catastrophic health insurance coverage?
Catastrophic health insurance coverage covers all your major medical costs along with hospital bills. It doesn’t, however, pay for your prescriptions or your visits to your doctor. This type of insurance coverage is also known as major medical health insurance. This type of health insurance coverage covers your hospital visits, any surgical treatment you might have, intensive medical care expenses, X-rays, necessary lab tests, along with other hospital connected costs.
Of all of the kinds of standard health insurance, catastrophic health insurance coverage is the most affordable. The insurance deductible with one of these policies (the money you have to pay toward an insurance claim before your insurer will pay) begin at $500 and may go up to $5,000 This type of insurance coverage comes with a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits plus your policy will be immediately terminated.
In case you have a pre-existing health problem for example AIDS, cardiovascular disease, diabetic issues, MS, or emphysema, you might not be able to get a catastrophic health insurance protection plan.
Catastrophic health insurance is a great plan if you want to save a lot of money on your health insurance, if you are in good health, and if you do not take many prescribed drugs. It is also a sensible choice if you’ve retired from your job, don’t have any insurance, and are not yet eligible for Medicare.
Things To Consider
You’ll want to ask yourself these basic questions before you purchase catastrophic health insurance coverage …
- What is the total price of the policy?
- What exactly will the policy pay for and how much is the insurance cap?
- Am I Going To have the ability to cover the cost of my prescribed drugs and any visits to the doctor?.
- Am I Going To be able to pay for the insurance deductible?
Getting The Best Rate
You will need to compare rates from a number of different insurance companies to get the best price quote, and the quickest and easiest way to accomplish this will be to go to an insurance comparison site.
At these websites you’ll be required to enter your present health details as well as the kind of insurance coverage you want on a simplified questionnaire. Once you submit the questionnaire, you’ll get price quotes from a number of A-rated insurers.
After you get all of your insurance quotes, all you have to do is compare the actual insurance coverages and insurance quotes from the different companies and select the least expensive quote with the company that offers the protection you’ll need.
The entire procedure can be done in under 10 minutes and you could save hundreds of dollars a year in premiums. Time wisely spent to say the least. paulawrightson.tumblr.com/post/66663284622