Sentences with phrase «risk by insurers»

Unoccupied or vacant (no furnishings) homes are considered a higher risk by insurers because no one lives on site to maintain and protect the property.

Although it might cost a little more for your policy if you're considered higher risk by your insurer, warns Korcok, that's small potatoes compared to the hefty hospital bill you could face if your claim is denied.

The higher life cover or Sum Assured policies will have a higher cost or premium amount to cover the risk by the insurer.

Not exact matches

BitSight is only working with seven out of the 10 largest insurers, but the majority of insurers that write cyber policies still assess a customer's risk by asking customers to fill out questionnaires about what types of data a company handles and its security protocols.

The goal is to remove the risk for treatment centers in purchasing, handling and waiting for reimbursement of expensive products, and to alleviate for insurers potential markup costs imposed by the treatment centers, Marrazzo said.

The rules directly affect companies who have cross-border transactions with related firms for reinsurance, a term for the method by which insurance risk is spread around by insuring the insurers.

MI works and is a reliable form of credit risk protection, as evidenced by the more than $ 50 billion in claims that mortgage insurers paid to the GSEs through the downturn.

These Alberta homeowners can not only lose their house, but are at risk of being sued by their insurers to recover any losses.

Reinsurers help mitigate losses to insurance companies by agreeing to take on some of the risk an insurer might incur after the primary insurer has incurred a preset loss level.

I / WE HEREBY RELEASE, WAIVE, DISCHARGE AND COVENANT NOT TO SUE the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities used by the participant, including its owners, managers, promoters, lessees of premises used to conduct the event or program, premises and event inspectors, underwriters, consultants and others who give recommendations, directions, or instructions to engage in risk evaluation or loss control activities regarding the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities or events held at such facility and each of them, their directors, officers, agents, employees, all for the purposes herein referred to as «Releasee»... FROM ALL LIABILITY TO THE UNDERSIGNED, my / our personal representatives, assigns, executors, heirs and next to kin FOR ANY AND ALL CLAIMS, DEMANDS, LOSSES OR DAMAGES AND ANY CLAIMS OR DEMANDS THEREFORE ON ACCOUNT OF ANY INJURY, INCLUDING BUT NOT LIMITED TO THE DEATH OF THE PARTICIPANT OR DAMAGE TO PROPERTY, ARISING OUT OF OR RELATING TO THE EVENT (S) CAUSED OR ALLEGED TO BE CAUSED IN WHOLE OR IN PART BY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISby the participant, including its owners, managers, promoters, lessees of premises used to conduct the event or program, premises and event inspectors, underwriters, consultants and others who give recommendations, directions, or instructions to engage in risk evaluation or loss control activities regarding the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities or events held at such facility and each of them, their directors, officers, agents, employees, all for the purposes herein referred to as «Releasee»... FROM ALL LIABILITY TO THE UNDERSIGNED, my / our personal representatives, assigns, executors, heirs and next to kin FOR ANY AND ALL CLAIMS, DEMANDS, LOSSES OR DAMAGES AND ANY CLAIMS OR DEMANDS THEREFORE ON ACCOUNT OF ANY INJURY, INCLUDING BUT NOT LIMITED TO THE DEATH OF THE PARTICIPANT OR DAMAGE TO PROPERTY, ARISING OUT OF OR RELATING TO THE EVENT (S) CAUSED OR ALLEGED TO BE CAUSED IN WHOLE OR IN PART BY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISBY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISE.

The Flood Free Homes campaign, launched by the Association of British Insurers is calling for no home to be at high risk of flooding by 2025.

The Flood Free Homes campaign, launched by the Association of British Insurers and supported by Friends of the Earth, National Flood Forum, Know Your Flood Risk, The BRE Centre for Resilience and the Property Care Association's Flood Protection Group, is calling for no home to be at high risk of flooding by 2Risk, The BRE Centre for Resilience and the Property Care Association's Flood Protection Group, is calling for no home to be at high risk of flooding by 2risk of flooding by 2025.

The Association of British Insurers, frustrated by government intransigence have published the location of 200,000 homes at most extreme flood risk, and least likely to get assistance if this government doesn't get a grip.

More than half the insurers surveyed by the NYS Financial Services Department reported their organization's current information security strategy adequately addresses new and emerging risks.

CT lung cancer screening is deemed an Essential Health Benefit, covered by many private health insurers, while Medicare beneficiaries have lesser access to these exams and increased risk of lung cancer death due to lack of coverage.

We agree with Mr. Montgomery's previously expressed views that private capital should play a leading role in guaranteeing low down payment mortgage credit risk to protect U.S. taxpayers and the federal government, and it is encouraging to know that he believes the FHA «should never take the place of the private sector first - loss solution provided by private mortgage insurers.»

If you travel frequently, have a high - risk job or participate in extreme sports (for example, skydiving, bungee jumping, auto racing) the insurer will pay additional benefits if you die or are injured in ways specifically defined by the policy.

Consider different ways to hedge the risk you'll need Long Term Care — many people can self insure or buy an annuity or hybrid annuity / LTC product vs. pure long term care insurance which is being offered by fewer insurers each year.

For borrowers who don't put 20 % down — which is not a requirement — and are viewed by lenders as higher credit risk, mortgage insurers reduce or eliminate losses by providing protection to the lender in the event of a foreclosure.

Mortgage insurers are required by law to build contingency reserves, meaning that in addition to the capital our companies are required to hold against the risk we insure, a portion of every premium dollar received is reserved specifically for emergencies on a countercyclical basis.

While the risk of cancellation is still present if you reveal your DUI to your insurer, you won't be caught off guard by a cancellation and will have time to evaluate your options.

1) By the end of 2007, many insurers leave Florida; the state chartered insurer now has 33 % of all of the primary property risk.

On the other hand, if the building remains undamaged by fire during the policy period, neither the insurer nor the owner of the building can make any gain off the fact that the risk was not realized.

In addition, lenders that originate low down payment mortgages often force the mortgage insurers to cede low - risk parts of the business to reinsurance captives controlled by the lenders.

While a shortened underwriting process may sound appealing, it means that the insurer has less information to tailor your rates and has to assume that you're a higher risk, so premiums will typically by several times greater.

«The Private Mortgage Insurance Eligibility Requirements, recently put forth by Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency, are... a thoughtful effort, these standards should succeed in ensuring that private mortgage insurers are strong counterparties to the government - sponsored enterprises and a much improved bulwark against excessive risk in the system.»

These policies are generally purchased by people considered a poor risk for insurers, those who can not qualify for a more traditional policy.

The market has been strengthened since the financial crisis as all MIs have all implemented significant new capital requirements, or the Private Mortgage Insurer Eligibility Requirements (PMIERs), which are stress - tested financial and capital requirements established by Fannie Mae, Freddie Mac and the Federal Housing Finance Agency, enhancing MI's ability to assume mortgage credit risk in the future.

According to the nonprofit Insurance Information Institute (III), insurers offer several types of home insurance deductibles, depending on where you live and risks posed by severe weather, floods and earthquakes.

By taking on more risk, you become less of a liability to your insurer.

With an insured mortgage the lender transfers their risk of lending to the insurer in the event of default by the borrower.

Systemic risk comes from short - dated financing of long - dated assets, which is often done by banks, but rarely by life insurers.

You can make big savings by showing an insurer you're not the typical high - risk young driver.

Subordinated notes issued by banks and insurers have very different features and risks to those issued by other companies.

The cost of insurance is determined by the level of risk your insurer is taking on.

All new hybrids issued by banks and insurers are designed to be loss absorbing, which means you, not the bank, are at risk of suffering a loss.

Designed to prevent the risk of outliving your income, annuities work by giving a lump sum or series of payments to an insurance company, and in return, the insurer agrees to pay you a guaranteed income for a certain length of time (or even for the rest of your life).

You can make your home safer (lower - risk, to your insurer) by updating the roof and the electrical, plumbing and heating systems.

By opting for a higher deductible, you reduce risk for insurers and thus qualify for lower premiums.

The complexity level was too high, but the regulators required ratings for assets held by banks and insurers, and so the rating agencies did it, earning money for it, but also at significant reputational risk.

Berkshire, which has grown over the last five decades by investing insurance premiums in stocks and takeovers, has assumed billions of dollars in asbestos risk from insurers including American International Group Inc. and CNA Financial Corp..

If you fit the following profile, it is likely that you are considered a high - risk driver by your insurer:

Until recently, the Texas Risk Pool insured people without group coverage were declined by private insurers.

The simplest solution to reduce this risk is to avoid owning any dog blacklisted by your insurer.

Lax risk assessment by insurers?

Since 2009, large insurers have filed a climate change and risk disclosure survey created by the National Association of Insurance Commissioners (NAIC), which states that «disclosure of climate risk is important because of the potential impact climate change can have on insurer solvency and the availability and affordability of insurance across all major categories.»

Neighborhood - by - neighborhood, block - by - block, a «game of inches» will play out as insurers map flood risk.

***** Cost of climate change / risk register: Leading insurers tell G20 to stop funding fossil fuels by 2020.

The FSB is chaired by the Governor of the Bank of England Mark Carney, who in September created waves in the global financial sector with a speech to insurers warning of serious risks to investors from climate change due to, among other factors, a sudden asset write down with «jump - to - distress prices».

In April 2016, the Financial Stability Board's Task Force on Climate - Related Financial Disclosures published a report on Phase I of their year - long process to «develop voluntary, consistent climate - related financial risk disclosures for use by companies in providing information to investors, lenders, insurers, and other stakeholders.