Sentences with phrase «excess insurance with»

During each renewal season we see firms that have carried excess insurance with LAWPRO, sometimes for years, write in to tell us that they have now grown so large they need higher limits or bundled coverage for other types of insurance and another insurer is able to offer them a product that meets their growing needs.

If you are the driver responsible for the accident and you have excess insurance with a non-ICBC insurance company then you will have to involve the non-ICBC insurance company with the vehicle repair along with any claim that is being advanced against you by the other motorists and his / her passengers.

Accordingly, firms with 16 to 50 lawyers are more likely to purchase LAWPRO excess insurance with the highest limits offered, being $ 9 million per claim and in the aggregate, than smaller sized firms.

If a firm is approved for excess insurance with LAWPRO, factors which may affect the firm's premium include, for example, the number of lawyers in or working with the firm, the practice areas, the claims history of the firm lawyers, years in practice, size of practice and the limits of liability being sought.

Not exact matches

Statutory capital and surplus represents the excess of an insurance company's admitted assets over its liabilities, including loss reserves, as determined in accordance with statutory accounting practices.

Depending on your answers to the above questions, the flowchart might recommend a conforming loan with private mortgage insurance (PMI); or a jumbo mortgage that allows for loan sizes in excess of your local loan limits; or some different program which may be more suitable.

With mutual insurance companies, the policyholders are essentially the owners, so the company often distributes excess income in the form of annual dividends.

And lastly — I also had Gestational Diabetes with my 2nd (who is now 3) and just earlier this year I was denied excess life insurance because I had GD and was on insulin — despite the fact I'm fine now with no diabetes.

The coverage increases to $ 2,000,000, with an additional $ 250,000 in excess accident medical insurance once the member renews his / her membership.

The requirement for a bank card is an insurance coverage for the rental firms versus folks who induce damage or have actually the auto swiped throughout rental, as there will often be a large excess / deductible to pay, or just those who disappear with their auto (often driving right into parts of Eastern Europe where there is a healthy and balanced black market demand for Western cars).

Increased Retiree Health Insurance Premium - Sharing: While most employers — public and private — do not reimburse retirees for the cost of Medicare Part B premiums, New York State pays for the standard premium and the Income - Related Monthly Adjustment Amounts (IRMAA) levied on high - income retirees (couples with incomes in excess of $ 170,000 per year).13 Under the Governor's proposal, the State would cap the amount retirees are reimbursed at current levels and discontinue IRMAA reimbursements for those most able to afford the costs of health iInsurance Premium - Sharing: While most employers — public and private — do not reimburse retirees for the cost of Medicare Part B premiums, New York State pays for the standard premium and the Income - Related Monthly Adjustment Amounts (IRMAA) levied on high - income retirees (couples with incomes in excess of $ 170,000 per year).13 Under the Governor's proposal, the State would cap the amount retirees are reimbursed at current levels and discontinue IRMAA reimbursements for those most able to afford the costs of health insuranceinsurance.

The governor's executive budget, released in January, proposed cutting Medicaid payments to certain health insurance companies with excess reserves, and was rejected by both houses of the Legislature.

While he does have some acquaintances and a predictably boring job at an insurance company, Dodge shows no inclination to join in the festivities of excess (drugs, sex, religion, riots) enjoyed by others, and instead offers up a lame, sure - to - fail suicide attempt to go with his droopy demeanor and overall lethargy.

how much insurance you decide to buy and with what excess) and the quality of the presentation to the insurer.

Insurers such as Auto & General Insurance will not charge an additional theft excess to vehicles that are fitted with a tracking device that was in working order at the time of the theft.

The Audi Pure Protection Program includes a portfolio of coverage options in conjunction with or above the manufacturer's limited warranty for your Audi vehicle: Certified pre-owned Service Contract Plan Term Care Select Service Guaranteed Asset Protection (GAP) Plan Lease Excess Wear Protection Audi Financial Services also offers these vehicle protection programs: Audi Appearance Guard Audi Prestige Insurance

As with private sector mortgage loans with a loan - to - value ratios (LTV) in excess of 80 %, FHA guidelines require borrowers to pay premiums for its mutual mortgage insurance (MMI) program.

This could potentially entitle residents who suffered property losses in excess of their policy limits to proceed against the landlord for those costs, as well as entitle residents with no renters insurance to do the same.

At least one of the following criteria must be met to be an accredited investor: (i) a buyer with a net worth individually or with a spouse of $ 1,000,000 or more; (ii) institutional investors including banks, insurance companies, registered broker / dealers, and large pensions plans; (iii) tax - exempt organizations with total assets in excess of $ 5,000,000; (iv); private business development companies; (vii) directors, officers, or general partners of the issuer; and (viii) entities owned entirely by accredited investors.

With mutual insurance companies, the policyholders are essentially the owners, so the company often distributes excess income in the form of annual dividends.

Someone with annual adjusted gross income of $ 40,000 would be able to deduct any medical expenses not covered by health insurance in excess of $ 3,000 in the 2018 tax year.

On the other hand, with contents insurance, a common claim amount may be in this range (a burn in a carpet, etc) and hence it may be worth paying the slightly higher premium to reduce your excess.

Gain on a full surrender Gain on partial distributions IRA distributions TSA / ORP distributions Correction of excess contributions to IRAs Conversion of IRA assets to a Roth IRA Gain on surrender of Paid Up Additions (PUAs)(Note: Automatic surrender of PUAs for Value Pay is not a taxable event) Processing of Non-Forfeiture Option (NFO) to Extended Term Insurance (ETI) or Reduced Paid Up (RPU) Interest earned on dividend accumulations Loan on a MEC Dividend used to reduce loan interest on a Modified Endowment Contract (MEC) Dividend used to reduce loan on a MEC Compound of loan interest on a MEC Gain recognized on lapsed contract with a loan Collateral assignment on a MEC Non-qualified Annuity (NQA) Collateral Assignments Special interest paid on money held too long Interest earned on advance premiums 1035 exchange without paying off loan first Earnings on non-individual owner contracts for which an exception under section 72 (u) of the Internal Revenue Code does not apply

Not to be confused with living the high life during the festive period or a long afternoon at the local all - you - can - eat buffet, an excess — in the insurance sense — is the amount you pay towards any claims you make.

Mortgage lenders typically collect and pay amounts needed for paying property taxes and hazard insurance for traditional mortgage loans with loan - to value ratios in excess of 80 %, but reverse mortgages require borrowers to pay these expenses directly.

So if you end up taking a FHA loan and find yourself paying exorbitant mortgage insurance, a treasury override and not enjoying the historical program privilege of seller paid closing costs in excess of 3 percent, please know this: it has nothing to do with the risk you pose to the lender.

Rationality comes back to these markets when «real money buyers» appear (pension plans, insurance companies, wealthy dudes with nose for value), and these non-traditional buyers soak up the excess supply of investments that are out of favor, and do it with equity, at prices that make the unlevered return look pretty sweet.

Private Mortgage Insurance is generally required for a loan with an initial loan to value (LTV) percentage in excess of 80 %.

Any funds deposited with the issuing bank (including other CDs issued by such bank) in excess of these limits will not be eligible for FDIC insurance, so you should consider and inform your Financial Advisor, if you have other deposits at the issuing bank.

Reimbursement is in excess of any other travel insurance purchased and covers arrangements for pre-paid tours, trips, or vacations that have been purchased with your Chase Sapphire Reserve ℠ Card (or with points earned on the card).

The travel insurance would have cost A$ 80, which, with a $ 100 excess, would have seen Sam reimbursed around $ 1,800.

In conjunction with the right to control the defense, an insurance company has «the duty not to gamble with the insured's money by foregoing reasonable opportunities to settle a claim on terms that will protect the insured against an excess judgment.»

The SEF 44 Endorsement provides you, as well as your dependent family members, with excess insurance to cover any damages sustained in a motor vehicle accident in excess of $ 200,000, up to your own policy limits.

With all of these benefits, why do insurance companies sell insurance on a firm - wide basis at the excess level?

If you have any questions about LAWPRO excess insurance, innocent party protection, deductible options or practising with non-lawyers, please visit our website at lawpro.ca for more information on these and other topics, or contact our customer service department at [phone] or 1 -800-410 -

as a result, in addition to the firm vetting carefully any prospective practitioners, LawPRO invariably recommends that lawyers working in association or partnership with others apply to buy - up their innocent party coverage to the maximum permitted, and purchase excess insurance coverage on top of that.

Given limitations in market share and the substantial amount of communication and activity necessary in dealing with insurance, it is more efficient and cost - effective for excess insurers to deal with insurance on a firm - wide basis than with lawyers individually.

[An adult dependent child living in a household from which his parent has moved but with which the parent still maintains connections is a «household member» for purposes of the parent's excess insurance policy.]

The excess program provides insurance of up to $ 9 million per claim / $ 9 million in the aggregate to 1,436 Ontario law firms with a total of 3,790 lawyers, with program premiums expected to total almost $ 6.1 million this year.

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.

without this option, many firms with fewer than 15 lawyers might not be able to meet their excess insurance needs in the commercial market.

The top 10 deals were each worth in excess of USD2bn, with the biggest deal being the USD6.3 bn purchase of Bermuda - based property and casualty insurance services company Endurance Specialty Holding.

Our Excess Insurance program continues to attract a solid 20 per cent of our target market (lawyers in firms of 50 or fewer lawyers) and in 2011 provided excess coverage to a record 1,466 firms representing 3,711 lawyers; as well, our retention rate on this program is high — with 97 per cent of firms choosing to stay with LAWPRO for their excess coverage inExcess Insurance program continues to attract a solid 20 per cent of our target market (lawyers in firms of 50 or fewer lawyers) and in 2011 provided excess coverage to a record 1,466 firms representing 3,711 lawyers; as well, our retention rate on this program is high — with 97 per cent of firms choosing to stay with LAWPRO for their excess coverage inexcess coverage to a record 1,466 firms representing 3,711 lawyers; as well, our retention rate on this program is high — with 97 per cent of firms choosing to stay with LAWPRO for their excess coverage inexcess coverage in 2012.

Not only will you have no excess to pay when making a non-fault insurance claim, we can also advise you on protecting your no claims bonus and avoiding increased premiums by dealing directly with third party insurers.

Insurers should also be aware that although the tort action and SEF 44 coverage are intertwined, SEF 44 will still be read in line with its terms, regardless of whether it is «excess» insurance.

As of December 31, 2011, the excess insurance program had not paid any claims; however, one claim was paid in early 2012, and the program has reserved funds in connection with a number of other claims.

If your firm thinks your reasonable exposure is $ 1 million more than what you currently have under the Law Society program, you can contact LAWPRO or discuss with your insurance broker or agent whether lower limits, like $ 1 million or $ 2 million per claim in excess of what the lawyers in your firm already carry, is available and appropriate to meet your needs.

Generally, you will never find out about this excess insurance carrier except when you have a serious claim, which is worth more than $ 200,000, and the at - fault motorist has excess coverage with a non-ICBC insurance company.

Douglas F. Cutbush frequently speaks at seminars and conferences dealing with such subjects as Claims Management, Business Interruption, Excess Liability Claims, Builders Risk Policies, Coverage Disputes, Reinsurance Claims, Arbitration, Mediation and Appraisals under the Insurance Act.

We regularly act for primary insurers, excess and umbrella insurers, insurance pools, liability programs, and for insurers, with substantial self - insured retentions and deductibles.