Sentences with phrase «coverage on your standard policy»

Not exact matches

A policyholder could find itself in the position of recalling on its own initiative or being asked by FDA to recall based on this «reasonable probability» standard, but not being able to satisfy the definition of «accidental contamination» under its specialty policy because it can not prove its product was W With the frequency of costly product recalls on the rise, many companies have considered purchasing specialty recall coverage to secure coverage for certain recall - related losses that are often excluded from general liability and property policies.

Topics to be discussed include: Court Procedure: An understanding of the civil litigation process in New Jersey as it pertains to negligence claims; Damages: Understanding the standards for, and the differences between Compensatory and Punitive Damages; Facility Maintenance: Identifying potential safety hazards related to facilities and grounds, and taking reasonable steps to address common problems; Indemnification: Identifying when the school district is responsible for the actions of its employees, and when it may disclaim coverage; Insurance Coverage Issues: Understanding what is, and is not covered under a school district's insurance policy, and understanding whether your district will be allowed to choose its attorney or be required to utilize the attorney assigned by the Insurance Company; Negligent Supervision: Examples of school district negligence liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school districts.

At one time, it was possible to add on coverage via the state's insurer of last resort, but Citizen's has instituted it's takeout program to put policies back with standard carriers, those policies are harder to come by.

The add - ons provide additional coverage that doesn't come standard with a homeowners policy.

A standard liability insurance policy — including both bodily and property coverage — will usually cost between $ 900 and $ 1400 a year, depending on the policy's limits.

Renters insurance is generally written on the HO - 4 policy form, which is derived from the standard HO - 3 policy form for homeowners, less coverage on the dwelling and a few other minor changes.

This is a separate coverage with specific limits and terms, so it's always good to read your policy document carefully, but refrigerated property coverage on renters insurance in High Point is fairly standard.

Renters insurance in Buffalo provides the standard coverage on an HO - 4 form, with personal property, medical payments to others, loss of use, and liability as part of the policy.

Often the coverage from an insurer of last resort is somewhat limited compared to a standard policy, and it may or may not be significantly more expensive than coverage on the voluntary market would be.

On a practical level, the standard NJ tenant policy is a homeowners policy minus the structure coverage.

In the standard policy, your policy will also offer coverage for the additional living expenses incurred following a covered loss while you're waiting on repairs to your apartment.

A number of different types of coverage are included in the policy as standard, and you can extend coverage with a variety of endorsements based on your individual coverage needs.

The Standard Policy from CURE allows you to customize different levels of limits and deductibles on Bodily Injury Liability, Personal Injury Protection, Physical Damage Coverages, Collision or Comprehensive (Other - than - collision) Coverage, Towing & Labor Coverage, Extended Transportation Coverage, etc..

Based on our single Bowling Green male driver, this subset of five insurers had the lowest quotes averaging $ 1,115 a year for a standard annual policy with coverage limits roughly twice the KY minimum.

Depending on your insurer, this coverage may come standard with your landlord insurance policy or may be available as an add - on to a base policy.

A standard renters insurance policy is usually written on the HO - 4 form which is written by the Insurance Services Office and designed to provide broad coverage and a clear understanding of what's covered — and what's not.

It does not cover earthquakes, earth movement, or wildfires under the standard policy form, but these types of coverage can often be added on for just a few dollars a month.

Life insurance riders are policy add - ons offered by insurers to let you adjust your coverage or edit standard features of a policy.

Insurance broker Matthew Carr says standard coverage generally includes fire, plus things that are specifically named on a policy, but other options can include a broader range of risks, subject to certain exclusions.

Standard coverage policies, on the other hand, have higher liability limits, as well as comprehensive, collision, insured and uninsured motorist coverages plus medical payments and rental car reimbursement.

The Insurance Information Institute (III) says the liability limit on a standard watercraft insurance policy typically starts at $ 15,000, but you may be able to significantly increase your coverage limit.

Just as you can find discounts for your standard insurance policies, you can find deals on your umbrella insurance coverage as well.

Fortunately, replacement cost coverage is standard on most tenant policies.

While there's no coverage for earthquakes on a standard policy, explosion and fire after earth movement are covered on the NY policy form.

Endorsements serve as add - ons to a standard home insurance policy and are typically priced in accordance with how much coverage you'd like to receive.

Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase.

These types of coverage are all standard parts of a policy, not add - ons that you need to pay extra for.

Depending on the circumstances, that may be the full practice policy coverage (that is, if the lawyer has kept his or her standard policy in force) or run - off coverage only.

To help with planning, LAWPRO has a «Test Your Exposure» stress test available on its website that can help lawyers determine if their firm would benefit from getting excess insurance that will provide additional coverage limits in the event claims arise that exceed the standard $ 1 million per claim / $ 2 million in the aggregate annual policy limits.

Motorcycle insurance policies offer many of the same standard coverage options as auto insurance, but there are also unique add - ons like guest passenger liability insurance.

However, on June 1, 2016 the benefits and coverage in the standard auto insurance policy changed.

Endorsements serve as add - ons to a standard home insurance policy and are typically priced in accordance with how much coverage you'd like to receive.

There are optional coverages as well available for purchase with the Standard policy, with premiums that will vary based on insurer.

Personal property coverage to protect your things, liability coverage to protect your assets, and loss of use coverage in case a covered loss requires you to stay elsewhere temporarily are all standard on policies from Effective Coverage.

AKC Pet Insurance does not cover hereditary and genetic conditions standard on their policy - you must pay more for this coverage.

Whether you are driving into the city for work every day or using your car for the occasional school and grocery run, you will need to insure it under a basic policy, New Jersey standard policy for comprehensive policy depending on your needs and your coverage system of choice.

Teen drivers, college students and young adults can receive a discount for good grades as well, and Geico offers discounts for military service and for federal employees, on top of the standard coverage discounts for multiple policies and vehicles.

AKC Pet Insurance does not cover veterinary exam fees standard on their policy - you must pay more for this coverage.

A number of different types of coverage are included in the policy as standard, and you can extend coverage with a variety of endorsements based on your individual coverage needs.

At one time, it was possible to add on coverage via the state's insurer of last resort, but Citizen's has instituted it's takeout program to put policies back with standard carriers, those policies are harder to come by.

In addition to ensuring adequate coverage for the true value of your home and the contents therein, high value home insurance coverage offers a few additional perks you won't typically find on most standard home insurance policies.

Most standard homeowners policies have a cap, per insurance category, on the amount of personal property coverage provided.

Even if you're only freelancing part - time or on the side, when you start using your home as an office you introduce potential new risks that require coverage outside of a standard home insurance policy.

Most home insurance policies provide a standard amount of liability coverage, but you can increase this amount depending on your needs.

Basic liability and medical payment coverage is standard in most renters insurance policies, which means you're not on the hook for legal or medical bills if someone hurts themselves in your apartment.

It provides coverage by paying the difference between what is received for a total loss or theft from the standard auto insurance policy, and what is still owed on the car.

With some very expensive items, it doesn't matter if you know the replacement value; a standard renters insurance policy will have limits on coverage for jewelry or art works.

Nevertheless, some of these companies offer standard travel insurance coverage only, and they may not have coverage for specialized travels, it is important that policyholders obtain the appropriate travel insurance policy based on their specific trip needs.

On a standard policy, mental health issues are excluded from coverage.

[4] In addition to standard coverages, most insurance providers offer optional additions or endorsements on business owner's policies that business owners can use to tailor a policy to their specific needs.