Abel, 55, the chief executive officer of Berkshire Hathaway Energy, was named Berkshire's vice chairman for non-insurance business operations, while Jain, 66, Berkshire's top insurance executive, was named vice chairman
for insurance operations.
Not exact matches
Moody's Investors Service maintained its ratings
for Desjardins but said the transaction creates risks, mainly because of the increased exposure to the high - risk Ontario personal auto
insurance market, which will make its
insurance operations «a less predictable source of earnings.»
In addition, its life and health subsidiary, Desjardins Financial Security and other units will allocate $ 250 million
for the State Farm Canada life
insurance, mutual fund, lending and living benefits
operations.
If you're looking
for a cheap financial company, consider this Toronto - based auto and home
insurance operation.
Additionally, we will be partnering with third parties
for some of the seasonal work we do around
insurance operations.
We will utilize a seasonal employment model
for parts of our services organization to accommodate the seasonality of our
insurance operations.
In fact, the
insurance operations have been a main driver of Berkshire's success
for much of its history.
Because it owns extensive
insurance operations that experience fluctuating profits, it is not as easy to determine Berkshire's normal earnings power as it would be,
for say, Kraft's food packaging divisions which have pretty predictable demand
for macaroni and cheese, Oscar Meyer hot dogs, and Maxwell House coffee, but still — $ 12 billion is a good estimate of what «normal» profits look like each year
for Berkshire shareholders.
In the 1980's, though, huge latent problems from a few long - tail lines of
insurance surfaced at Lloyds and,
for a time, threatened to destroy its storied
operation.
Whether you are opening a restaurant franchise, a fitness center, or a pet grooming business — any
operation that has a physical location needs to budget
for the added cost of
insurance.
* Change in operating cash flow is replaced with: (i) tangible book value per share growth
for companies in the Banks, Diversified Financials and
Insurance sectors; and (ii) growth in funds from
operations for REITs, with the exception of Mortgage and Specialized REITs.
As with our pay -
for - performance model, operating cash flow is replaced with: (i) tangible book value
for companies in the Banks, Diversified Financials and
Insurance sectors; and (ii) funds from
operations for REITs, with the exception of Mortgage and Specialized REITs.
The company also provides general liability
insurance, which provides coverage
for construction, manufacturing and distribution, transportation, miscellaneous, and stores and rental
operations, as well as installation, service, and repair
operations.
It offers commercial auto
insurance products, which provide coverage
for business auto, commercial trucks and truckers, passenger transport, and specialty
operations; garage
insurance products that provide coverage
for dealers, and service and repair shops; motor truck cargo
insurance that provides coverage
for loading and unloading, refrigeration breakdown, and earned freight
operations; and prize indemnification and special events
insurance products.
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.
Well as heard in the news that those arriving to the west are being well trained on sophisticated equipment's and combat training and then sent back to Somalia to fight as opposition to prolong suffering
for the area and others sent to lead pirate
operations in the area and that is all done to give an excuse
for the western Navy to be present in the area as well as to cause the raise of the
insurance premium against the ships passing the area raising therefore the costs of commodities as well as an opportunity
for private security companies to flourish guarding the passing ships?
By requiring Catholic organizations (such as schools and hospitals) to cover contraception and sterilization does not force anyone to to get contraceptives or to be sterilized, it just means if the employees of these organizations have
insurance coverage of contraceptives IF they CHOOSE to use contraceptives or an
operation such as a vasectomy or tubal ligation
for sterilization.
Make sure you have
insurance, as I heard a lot of horror stories about people who did not and had to pay thousands of dollars
for an
operation.
Funding
for the Department of
Insurance is reduced by $ 32 million, reflecting savings achieved through a $ 30 million reduction in health insurance subsidy payments made under the Timothy's Law program and $ 2 million from net State operations
Insurance is reduced by $ 32 million, reflecting savings achieved through a $ 30 million reduction in health
insurance subsidy payments made under the Timothy's Law program and $ 2 million from net State operations
insurance subsidy payments made under the Timothy's Law program and $ 2 million from net State
operations changes.
In the 2011 Budget, plans were announced
for a consultation to be held on the possibility of integrating the
operation of income tax and National
Insurance contributions.
Connie then goes on to tell the e-mail recipients, who identified themselves to Obama's political
operation as «seniors,» that «President Obama's plan
for health
insurance is good
for seniors» and lists five major reasons to justify her claim.
Cuomo's budget also settles another question posed by some Republican lawmakers and health
insurance industry officials in recent months: how exactly the state would pay
for the continued
operations of its health
insurance exchange, which must become self - sustaining this year, but hasn't yet generated enough revenue to fund its roughly $ 150 million in annual operating costs.
But sensing trouble, the company instead pushed
for a bill to simply clarify
insurance requirements and allow basic
operations.
In addition, a contractor must have $ 2 million in total
insurance coverage
for all its
operations.
About Blog Full - time professional aerial photographer based in Wolverhampton with CAA permit
for commercial
operations and public liability
insurance.
He interviews people who have HMO horror stories — people who have lost a loved one because the
insurance company refused service
for whatever reason, people who are forced to sell their house to pay
for a necessary
operation, and people who once worked
for a health
insurance provider and can't take the guilt anymore.
CASBO members are responsible
for the non-curriculum aspects of the school district including: accounting and reporting; financial planning and budgeting;
operation and maintenance of school facilities; administering personnel functions; purchasing and supply management; data processing; food service
operations; grant applications and reporting;
insurance; collective bargaining and transportation.
Business Interruption
insurance, which reimburses you
for lost profits in the case where you are forced to suspend your business
operations due to an unforeseen incident such as a fire.
(3) Moneys in the REHABILITATION Facilities
Insurance Fund not needed
for the current
operations of the REHABILITATION Services Administration with respect to mortgages insured under this section shall be deposited with the Treasurer of the United States to the credit of such fund, or invested in bonds or other obligations of, or in bonds or other obligations guaranteed as to principal and interest by, the United States.
to take any action otherwise prohibited under subsections (a), (b), (c), or (e) of this section where age is a bona fide occupational qualification reasonably necessary to the normal
operation of the particular business, or where differentiation is based on reasonable factors other than age; to observe the terms of a bona fide seniority system or any bona fide employee benefit plan such as a retirement, pension, or
insurance plan, which is not a subterfuge to evade the purposes of this Act, except that no such employee benefit plan shall excuse the failure to hire any individual; or to discharge or otherwise discipline an individual
for good cause
(b) If the contractor has insured the same aircraft against loss or destruction in connection with other
operations, the amount of such
insurance coverage on the date of the loss or damage
for which the Government may be responsible under this contract.
«[E] ach policy of aircraft accident liability
insurance... shall specify that it shall remain in force, and may not be replaced, canceled, withdrawn, or in any way modified to reduce the minimum standards set forth in this part, or to change the extent of coverage by the insurer or the carrier, nor expire by its own terms in regard to coverage
for the carrier in its common carrier
operations in air transportation, until 10 days after written notice by the insurer (in the event of replacement, by the retiring insurer), or by the insurer's representative, or by the carrier to the Department... which 10 - day notice period shall start to run from the date such notice is actually received at the Department.»
MARAD aid in development, promotion, and
operation of the U.S. Merchant Marine; bilateral maritime agreements; subsidy programs; ship construction in U.S. and foreign shipyards; War Risk
Insurance Program; use of ships
for defense needs; sales to aliens and transfers to foreign registry of ships; U.S. Merchant Marine Academy.
Yale needs to pay
for the university's
operations; the CPP needs to pay
for the pensions of millions of Canadian; and Berkshire's
insurance float needs to pay
for future
insurance claims.
NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC
INSURANCE COVERAGE FOR NONINTEREST - BEARING TRANSACTION ACCOUNTS By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest - bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporatio
INSURANCE COVERAGE FOR NONINTEREST - BEARING TRANSACTION ACCOUNTS By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest - bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporatio
INSURANCE COVERAGE
FOR NONINTEREST - BEARING TRANSACTION ACCOUNTS By
operation of federal law, beginning January 1, 2013, funds deposited in a noninterest - bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit
insurance coverage by the Federal Deposit Insurance Corporatio
insurance coverage by the Federal Deposit Insurance Corporatio
insurance coverage by the Federal Deposit
Insurance Corporatio
Insurance Corporatio
Insurance Corporation (FDIC).
As
for its operating companies, they tend toward cyclical businesses (manufacturers, retailers, a railroad) as well as finance and
insurance operations.
• The following are included in annual income to qualify
for an RHS guaranteed loan: − Gross amount of wages, salaries, overtime pay, commissions, fees, tips, bonuses and other compensation
for personal services of all adult members of the household − Net income from the
operation of a farm, business or profession, interest, dividends and other net income of any kind from real or personal property − Payments from social security, annuities,
insurance policies, pensions, unemployment, workers compensation, alimony and / or child support and other types of periodic receipts.
Exacerbating this problem is its impact on millions of homeowners in the FHA's flagship single - family program who are still paying very high
insurance premiums
for the life of their FHA loans to subsidize the
operations of the reverse mortgage program.
Alan Armitage, Chief Executive, Standard Life Asia: «By leveraging the existing expertise and talents, the Hong Kong
operation will become an important gateway
for Heng An Standard Life to the Hong Kong
insurance market.
Term Life
Insurance By Jeff is not liable
for any harm caused by the transmission, through access of this site, of a computer virus, or other computer code or programming device that might be used to access, delete, damage, disable, disrupt or otherwise impede the
operation of the site or of any user's software, hardware, data or property.
Having held the position of Regional Manager / Director of Underwriting and Real Estate Default Management
for over 15 years, and holding various positions at CMHC spanning over 25 years, TJ was responsible
for managing and overseeing the real estate mortgage
insurance operations in the Prairies and Territories Region - the largest geographical region in the country.
There was a case recently where both the tenant's
insurance and the landlord's
insurance on the building denied coverage
for the costs of cleaning up a methamphetamine
operation in a rental home, using similar logic in both policies.
Contractors» Equipment
insurance provides protection
for the essential mobile equipment used in the day to day
operations of a business, most typically construction.
The
insurance operations, which represent the majority of the Company's notional derivative exposure, have insured derivatives primarily consisting of structured pools of credit default swaps that the Company intends to hold
for the entire term of the contract.
MetLife, which is short
for Metropolitan Life
Insurance Company, began its
operation over 150 years ago as the National Union Life and Limb
Insurance Company in the year 1863.
It offers commercial auto
insurance products, which provide coverage
for business auto, commercial trucks and truckers, passenger transport, and specialty
operations; garage
insurance products that provide coverage
for dealers, and service and repair shops; motor truck cargo
insurance that provides coverage
for loading and unloading, refrigeration breakdown, and earned freight
operations; and prize indemnification and special events
insurance products.
Now, this calls
for an
insurance business to run its
operations efficiently and ensure that the
insurance premiums are commensurate with the risks.
Our main
operations are specialty
insurance, which provides coverage
for hard - to - place risks that generally do not fit in the underwriting criteria of standard
insurance carriers.
Case in point, as here is the bill
for the
operation performed in June, 2014, by a board certified veterinary orthopedic surgeon in Pennsylvania: Veterinary
insurance covered over 80 percent of the costs, I was reimbursed within a month, and my yearly premium only increased slightly.
California: The ACME Foundation: Clearlake (veterinary care assistance
for senior and disabled pet owners) Actors and Others
for Animals: Greater Los Angeles area (pet food, spay / neuter assistance, assistance
for necessary veterinary medical care) Animal Assistance League of Orange County: Orange County (pet food, transportation and veterinary care assistance) Animal Health Foundation: Los Angeles and Orange Counties (veterinary care assistance) AnimalSave: Green Valley (pet food, spay / neuter assistance) Animal Welfare Assistance Group: Monterey County (veterinary care assistance, spay / neuter; pet food and supplies
for seniors, disabled veterans, owners of service dogs and others; pet care resources and referrals) Bad Rap: San Francisco (pit bull - specific assistance
for finding rental housing and
insurance) California Department of Social Services Assistance Dog Special Allowance (ADSA) Program: Statewide (provides monthly stipend to eligible persons who use a guide, signal, or service dog) Cat People: Bakersfield (cat food / litter, spay / neuter assistance, vaccination assistance) 661-327-4706 Cats in Need (of Human Care): Southern California, multiple locations (spay / neuter assistance) The Chester Foundation: Sacramento region (veterinary care assistance) FACE Foundation: San Diego (grant assistance
for pets in need of emergency or critical care) FixNation: Los Angeles (spay / neuter assistance
for cats) Friends of Long Beach Animals: Long Beach (spay / neuter assistance) Haven Humane Society: Redding (low - cost spay / neuter, pet food assistance, emergency veterinary grants
for residents receiving Medi - Cal or Medicare) Clinic: 530-241-1658; Shelter: 530-241-1653 Helen Woodward Animal Center: Rancho Santa Fe (pet food) Helen Woodward Animal Center Animeals program: San Diego County (free pet food
for the dogs and cats of elderly or disabled people) Humane Society of San Bernardino Valley: San Bernardino (low - cost spay / neuter) Humane Society of Truckee - Tahoe: Truckee, Sierra County, Eastern Placer County or Eastern Nevada County (pet food pantry and low cost / free spay & neuter programs
for Pit Bulls, Chihuahuas, and those that qualify) Keep Your Pet: Sacramento (behavior assistance, veterinary care assistance, services
for seniors) LA Animal Services: Los Angeles (spay / neuter, vaccination and microchip assistance) Marin Humane Society: Novato (pet care assistance to low - income seniors, persons living with HIV / AIDS and those receiving hospice services; please see website
for complete list of services) Mercy Crusade's Spay and Neuter Clinic: Oxnard (spay / neuter and vaccination assistance) Mojave Desert Animal Rescue: Western Mojave Desert (pet food & supplies and veterinary assistance
for homeless, unemployed, disabled, and senior pet guardians) Mountains» Humane Society: Lake Arrowhead (pet food, spay / neuter assistance) Napa Humane: Napa (spay / neuter assistance) Ohlone Humane Society Special Assistance Program: Fremont, Union City, and Newark (veterinary care assistance, pet food, spay / neuter assistance) Orange County SPCA Animal Rescue Fund: Orange County (assistance
for veterinary care including spay / neuter) Palo Alto Humane Society: Palo Alto (spay / neuter assistance, assistance
for emergency veterinary care) PALS: Pets Are Loving Support (veterinary care assistance programs
for senior, disabled or ill pet owners) Pasadena Humane Society: Pasadena (spay / neuter assistance) PAWS / LA: Hollywood (pet food and supplies, veterinary medical care assistance, grooming, spay / neuter, veterinary care assistance programs
for senior, disabled or ill pet owners, and other services) PAWS San Francisco: veterinary care assistance programs
for senior, disabled or ill pet owners Peninsula CatWorks: veterinary care assistance
for cats only Pet Assistance Foundation: Multiple Locations, Southern California (spay / neuter assistance
for dogs, cats, and rabbits) Pet Orphans of Southern California: Van Nuys (veterinary care assistance) The Pet Rescue Center's Pet Pantry: Orange County (pet food, litter, and flea treatments
for unemployed, senior, or disabled pet owners) Pets Are Wonderful Support: San Diego (pet food / litter, pet supplies, veterinary assistance, animal transport, temporary foster program, veterinary care assistance programs
for senior, disabled or ill pet owners) Placer SPCA SOS Program: Placer County (rental deposits, temporary boarding, pet food and veterinary care assistance) Rescuing Unwanted Furry Friends (RUFF): Laguna Beach (pet food) Riverside County Department of Animal Services: Riverside (spay / neuter assistance) Sacramento SPCA: Sacramento (pet food, spay / neuter assistance) The Sam Simon Foundation: Los Angeles (free surgery
for non-orthopedic procedures; free spay / neuter
operations, including vaccinations, flea control, deworming, nail trims, and antibiotics) Sammie's Friends: Grass Valley (veterinary care assistance) San Francisco SPCA Animal Hospital: veterinary care assistance programs
for senior, disabled or ill pet owners, spay / neuter assistance Santa Cruz SPCA: Santa Cruz (pet food, spay / neuter assistance) Santa Maria Valley Humane Society: Santa Maria (spay / neuter assistance, microchips, pet food bank) SEAACA: Downey (veterinary medical care assistance, spay / neuter, vaccination assistance) Sequoia Humane Society: Eureka (spay / neuter assistance) SHARE Marin Humane Society: veterinary care assistance programs
for senior, disabled or ill pet owners Spay Neuter Animal Network (SPAN): Ventura (spay / neuter assistance) SPCA
for Monterey County: Monterey (pet food, spay / neuter and vaccination assistance) Tony La Russa's Animal Rescue Foundation: Walnut Creek (pet food, spay / neuter assistance, emergency veterinary assistance) VET SOS: San Francisco (free veterinary care and supplies
for pets of the homeless) Voice
for the Animals Foundation: Santa Monica (veterinary care assistance)