Sentences with phrase «business loss insurance»

Business loss insurance is a valid way to protect revenue.

Speaking with an independent agent is a good way to estimate how much business loss insurance you might need and how the business interruption insurance claims process works.

Not exact matches

To avoid unpleasant situations and losses cover your business under a suitable insurance plan in accordance with the nature of the business.

«It's not the run - of - the - mill loss you should be thinking about, but the home run, out - of - the - park catastrophe,» says David Young, a former insurance broker and risk manager now advising at the Small Business Development Center in Seattle.

Below are the types of insurance most business owner's should consider: • Property insurance protects a person or physical property against its loss or the loss of its income - producing abilities.

• Casualty insurance protects a person or business against legal liability for losses caused by injury to other people or damage to the property of others.

• As the name indicates, terrorism insurance provides coverage to individuals and businesses for potential losses due to acts of terrorism.

Written by insurance - claims specialists at Coopers & Lybrand, the brochure is chock - full of useful information, such as what your company should do during the first 30 days after a disaster, how you should quantify your losses on work in process and finished goods, how to calculate business - interruption costs, and most important of all, how to wrap up all the paperwork quickly.

Read «After a Loss: Pursuing an Insurance Claim,» a 14 - page brochure that manages to be both a quick read and a comprehensive study on how companies should handle the claims - filing process if they experience a fire or other business interruption.

This means if the insurance group experiences a catastrophic loss due to a 9.0 earthquake in California or a severe hurricane in New York, the candy companies and furniture businesses are still going to be trucking along, generating cash.

Kemper believes the underlying combined ratio is useful to investors and is used by management to reveal the trends in Kemper's property and casualty insurance businesses that may be obscured by catastrophe losses and prior - year reserve development.

The medical loss ratio provision of the Affordable Care Act, or Obamacare, requires most insurance companies that cover individuals and small businesses to spend at least 80 percent of their premium income on health care claims and quality improvement.

The SBA requires that all approved SBA loan applicants must designate lender's loss payable on their insurance policy when their business property is used as collateral for the loan.

«Berkshire has access to two low - cost, non-perilous sources of leverage that allow us to safely own far more assets than our equity capital alone would permit: deferred taxes and «float,» the funds of others that our insurance business holds because it receives premiums before needing to pay out losses»

Business Income or Loss of Income coverage is another key piece of insurance property owners should strongly consider purchasing.

«I want to make sure that when consumers shop in cannabis businesses, when investors and owners invest in cannabis businesses, when vendors sell to cannabis businesses, and when landlords rent to cannabis businesses, there is insurance coverage available to cover everyone from losses.

Key employee insurance is designed to help protect a business from the financial losses that may occur when a key employee dies.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Moreover, crop insurance alone does not fully buffer risks to guarantee business success, and additional strategies are needed to minimize losses.

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A Moody's report on Monday found it made financial sense for Northwell Health NY to exit the health insurance business next year amid losses after entering the state's health care marketplace.

«Small businesses are the backbone of our economy and so many have suffered some kind of losses or damage that insurance may not fully cover,» Erie County Executive Mark C. Poloncarz said in a news release.

Supporting commercial lines businesses Progress on fixed fees for costs of noise - induced hearing loss claims Support for fair compensation for mesothelioma sufferers Expansion of the Insurance Fraud Bureau's scope to commercial liability Campaigning for solutions fit for our future Our Flood Free Homes campaign Forward thinking policy for data and cyber Engaging Government to support the role of income protection Delivery of Flood Re, a world first solution for affordable flood cover Fighting fraud Partnering with Government on the Insurance Fraud Taskforce Renewing the Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting sInsurance Fraud Bureau's scope to commercial liability Campaigning for solutions fit for our future Our Flood Free Homes campaign Forward thinking policy for data and cyber Engaging Government to support the role of income protection Delivery of Flood Re, a world first solution for affordable flood cover Fighting fraud Partnering with Government on the Insurance Fraud Taskforce Renewing the Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting sInsurance Fraud Taskforce Renewing the Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting sInsurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting sinsurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting standards.

Business owners must initially fill out a needs assessment and must later provide appropriate documentation for losses not covered by insurance and or other assistance.

The research group plans next to study other aspects of severe thunderstorms such as hail, which causes less intense damage but is important for business (especially insurance and reinsurance) because it affects larger areas and is responsible for substantial losses every year.

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If you included loss of income coverage with your business insurance policy, your business can still receive the income necessary to pay bills and employee salaries until you can successfully reopen for business.

If you are one of the many business owners in this state, you may already have a business insurance policy in place to protect your company from liability issues and financial loss.

Even as the crisis was hitting its peak, many insurance companies were setting up temporary command posts, tasked with initiating homeowner claims and, eventually, evaluating the loss of the more the 15 % of homes and businesses that were damaged by the wildfires in Fort McMurray.

When each party and / or their policy pays their own expenses from a shared loss for which someone is responsible, both business costs and the cost of insurance are driven up drastically and immediately.

Perhaps the most basic protection is Commercial Property and Casualty Insurance, which covers your business against liability for property loss or damage, as well as personal injury.

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Unless you have a separate earthquake insurance policy to supplement you home, condo, renters or business insurance, you will not have coverage for these losses.

Using life insurance to fund a buy sell agreement provides the needed liquidity to make sure the business can survive the loss of an owner.

The goal for key person insurance is NOT to facilitate a buyout but rather to compensate the business for the loss of that key person.

Key person insurance does not have a legal definition and does not refer to a type of insurance but rather to the use and application of life insurance or long - term disability insurance, as it applies to the loss of a key business person.

Because key person insurance is simply life insurance that insures the company against the loss of a key business partner or key employee, the decision to purchase key person insurance necessitates some choices about the type of insurance that is most beneficial.

Term life insurance is the cheapest and simplest option and only provides the business with simple death benefit protection against the loss of a key person.

A type of business insurance coverage that helps protect against loss caused only by fire or vandalism.

A type of business insurance protection that covers the loss of business revenue due to a covered peril that causes the business to shut down or limit operations.

Acadia Insurance provides professional loss control engineering services for the wide variety of service related businesses located in the Northeast.

A type of business insurance coverage that provides extended protection for a property's glass, as well as coverage for temporary board - up services after a loss.

Oftentimes, when a company would not be able to withstand the loss of two key executives, the second - to - die life insurance option can be a good plan for ensuring that there are funds available to the business for keeping the company afloat while a replacement is being sought, or the company is in the process of finding a potential purchaser.

Businesses may not deduct their business insurance premiums if the coverage is for the purpose of a self - insurance reserve fund or a loss of earning insurance policy.

That means that no matter how many losses there are on renters insurance policies, it won't affect their other lines of business.

It's just good risk management to spread out the risk from different types of business among different companies that are subsidiaries of the insurance company, in order to prevent one large catastrophic loss from impacting the entire company.

Protect your company against financial losses and risks with business insurance.

It's called float, which isn't magic, but Buffett has done better than most at investing the float, and choosing insurance business to write and reinsure that doesn't result in large losses for BRK.

«Berkshire has access to two low - cost, non-perilous sources of leverage that allow us to safely own far more assets than our equity capital alone would permit: deferred taxes and «float,» the funds of others that our insurance business holds because it receives premiums before needing to pay out losses.