Sentences with phrase «from insurance operations»

When we consider this proposed loss of $ 200 million from its insurance operations with the investment income and capital gains of $ 700 million estimated in Part II, we get net gains of $ 500 million.

Our Investments department invests the funds made available by our capital and the cash flows from our insurance operations.

Not exact matches

Businesses can also purchase insurance that will protect them from any sales or earnings lost if operations are interrupted due to an event like a fire, he said.

My insurance comes from my employer and covers expenses I may incur from this operation or treatment.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

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.

And as long as we can break even in our insurance underwriting - which we have done, on the average, during our 32 years in the business - the cost of the float developed from that operation is zero.

* 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.

Total International Insurance reported adjusted operating income of $ 856 million, up 7.1 % year over year, driven by higher contribution from Life Planner and Gibraltar Life and Other operations.

To ensure that your business is successful and compliant, make sure you're aware of everything from taxes and insurance, to intellectual property and operations.

The Associated Press reports that Franklin County Circuit judge Thomas Wingate ruled yesterday that the Florida - based organization run by Christian Care Ministry must acquire approval from the Kentucky Department of Insurance before it can continue operations in the state.

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 operationsInsurance 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 operationsinsurance subsidy payments made under the Timothy's Law program and $ 2 million from net State operations changes.

Dr Mascher indicated his company's desire to learn from Ghana in its global expansion drive and outlined plans to further expand its operations after it was granted the licence to offer Life Insurance packages.

«[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.»

The Highway Loss Data Institute shares and supports this mission through scientific studies of insurance data representing the human and economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make and model.

«Industrial operations» are generally excluded, but it's possible that even if the fire itself isn't covered under the responsible party's policy — perhaps the fire was caused by an illegal methamphetamine lab, and the criminal acts exclusion applied — but your damage in a separate home or apartment from the smoke caused by the fire may still be covered under your own renters insurance policy.

There are a few insurance companies which have delved into the business of insuring dispensaries and related business operations, but those are commercial carriers and generally address issues such as workers comp, general liability, products liability, theft from the business, business interruption, and the like.

• 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.

That was due to rising stock market values and improved earnings from Bank of Montreal's insurance operations.

Structurally, Berkshire's earnings will benefit from the ongoing shift in consumers» auto insurance buying habits (via the direct - to - consumer GEICO subsidiary), the continuing change in the way goods are transported across the country (via the large intermodal operations at Burlington Northern), and the enduring growth in energy and power demand (via MidAmerican).

Buffett calls that cost «float,» and indeed over the last seven years, Berky has made money on the insurance operations, far from it being a cost.

The Bermuda operation provides reinsurance and insurance to worldwide property and casualty markets through brokers and directly with ceding companies from its Bermuda office and reinsurance to the United Kingdom and European markets through its UK branch and Ireland Re.

But to understand what truly separated Warren Buffett from the rest of the investors, you should look to the insurance operations.

«The yield on debt security purchases to fund insurance operations rebounded somewhat to 3.53 % in 2013 from 3.37 % in 2012 but was still below the 4.18 % yield attained in 2011.»

Mark Summerfield, CEO of Co-op Insurance said: «We were one of the first businesses to recognise and respond to the impacts of climate change, since then we have reduced our greenhouse gas emissions from our operations, purchased renewable electricity and have offset more than a million tonnes of carbon since we first introduced carbon offsetting on our products 10 years ago»

The one noteworthy exception to this right of subrogation is in relation to a person insured under a motor vehicle liability policy where the person's injuries arise from the use or operation of a vehicle (section 267.8 (18) of the Insurance Act).

In these cases, all parties connected with the ownership, operation or leasing of the property need experienced legal representation from attorneys who understand both the insurance industry and the complex laws governing premises liability claims.

In section (1) the statute requires auto insurance companies licensed in the state to cover the injuries and property damage of their out - of - state policy holders if it is «arising from the ownership, operation, maintenance, or use of a motor vehicle as a motor vehicle by an out - of - state resident.»

258.2 Sections 258.3 to 258.6 apply only in respect of a claim for loss or damage from bodily injury or death arising from the use or operation, after section 29 of the Automobile Insurance Rate Stability Act, 1996 comes into force, of an automobile in Canada, the United States of America or a jurisdiction designated in the Statutory Accident Benefits Schedule.

(2) Payments made or available to a person under the Statutory Accident Benefits Schedule in respect of a claim arising directly or indirectly from the use or operation, after section 29 of the Automobile Insurance Rate Stability Act, 1996 comes into force, of an automobile constitute, to the extent of the payments, a release by the person, the person's personal representatives, the person's insurer and anyone claiming through or under the person or by virtue of Part V of the Family Law Act,

The insurance policy provided coverage to the hospital and its employees for third party claims for «personal injury», which the insurance policy defined broadly as including invasion or violation of privacy, but only for liability «arising from the operations of» the hospital and only for employees «while acting under the direction of» the hospital.

For our established business clients, we direct them through potential legal quagmires that necessarily arise from operations, employee / labor relations, insurance dealings, business planning, commercial transactions, and regulatory mandates.

(4) Subsection (3) does not apply when the work - related injury arose from the operation of a vehicle, provided however that the maximum liability for any employer or worker referred to in subsection (3) is the amount payable under the policy of liability insurance in respect of bodily injury or death.

When you sue someone for car accident related injuries in BC, the defendant (most often times insured by ICBC) can argue that due to the operation of s. 83 of the Insurance (Vehicle) Act, he should not have to pay any money covering benefits you could have received from ICBC as your own insurer.

General Liability Insurance covers bodily injury or property damage; covers damages resulting from the day - to - day operations of the business; with defense costs outside the liability limits; typically on an occurrence basis; allows Additional Insureds; and may be scheduled under an Umbrella Liability Policy.

Our clients come from all markets and industries; and thousands of international and national users at financial organizations, governmental offices, retailers, hospital systems, insurance agencies, transportation organizations, educational institutions, law firms, non-profits and legal aid organizations depend on Legal Files matter management for their successful daily operations.

She reasoned that insurance companies took this into account in setting their premiums; there was no reason in her opinion to depart from the Supreme Court's position that statutes should not be given retrospective operation in the absence of an express or implied intention to that effect, especially when the statute impacts the calculation of insurance premiums.

The objectives, and manner of operation, of insurance companies underscore the importance of an injured person seeking representation from Santa Clarita personal injury lawyers in a timely manner.

Our experience involves us in both strategic and day - to - day operations involving banks» corporate, governance, and management / supervisory structures, and a portfolio of financial products and services that range from traditional banking to insurance, fiduciary, brokerage, and asset management and administration.

Because the definition of «health plan» excludes many types of insurance products (in the exclusion under paragraph (2)(i) of the definition), we would consider an entity that has one or more of these lines of insurance in addition to its health insurance lines to come within the definition of «hybrid entity,» because the other lines of business constitute substantial parts of the total business operation and are required to be separate from the health plan (s) part of the business.

If your favorite airline is on our Covered Supplier list and ceases operations due to financial hardship or bankruptcy, flight insurance can save you from paying for a trip you may not get to take.

Life insurance protection is also important if you are a business owner or a key person in someone else's business, where your death (or your partner's death) could prevent the business from continuing its operation.

Commercial Automobile Insurance protects businesses owning an auto fleet against risks such as a motor own damage and any third party bodily injury and property damage liability that may arise from an accident Any business that commercially uses automobiles in its operations needs this type of insurance coverage to ultimately protect its botInsurance protects businesses owning an auto fleet against risks such as a motor own damage and any third party bodily injury and property damage liability that may arise from an accident Any business that commercially uses automobiles in its operations needs this type of insurance coverage to ultimately protect its botinsurance coverage to ultimately protect its bottom line.

Easy New Jersey Defensive Driving began operations in 2008 and has since become the easiest, most convenient way to secure a 5 % auto insurance discount and clear two points from your driving record.

As discussed before, much of Primerica's issues doesn't come from the term life insurance product, as much as it does from the sales process and operations of the company.

This is irrespective of your ability to do another occupation (teaching, moving from surgery to internal medicine, starting an organic farming operation, etc.) The majority of physician disability insurance policies will have this type of coverage.

Agriculture Insurance Co. of India was formed on December 20, 2002 on an order of the Government of India, and started its operations from April 1, 2003.

So the big banks, big wealth managers, all the big insurance companies, helping them solve everything from call center operations issues to «what's our five year growth strategy?»

Pollution liability insurance policies cover claims from third parties against bodily injury and property damage caused by hazardous waste materials released during a company's business operations.