From workers» compensation to E&O problems, here's what
a standard business insurance policy should do:
In nearly all instances, tornado insurance coverage is included as part of
a standard business insurance policy, but there are cases when it is not included.
These two components are the building blocks of
a standard business insurance policy.
Not exact matches
Supporting commercial lines
businesses Progress on fixed fees for costs of noise - induced hearing loss claims Support for fair compensation for mesothelioma sufferers Expansion of the
Insurance Fraud Bureau's scope to commercial liability Campaigning for solutions fit for our future Our Flood Free Homes campaign Forward thinking policy for data and cyber Engaging Government to support the role of income protection Delivery of Flood Re, a world first solution for affordable flood cover Fighting fraud Partnering with Government on the Insurance Fraud Taskforce Renewing the Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting s
Insurance Fraud Bureau's scope to commercial liability Campaigning for solutions fit for our future Our Flood Free Homes campaign Forward thinking
policy for data and cyber Engaging Government to support the role of income protection Delivery of Flood Re, a world first solution for affordable flood cover Fighting fraud Partnering with Government on the
Insurance Fraud Taskforce Renewing the Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting s
Insurance Fraud Taskforce Renewing the
Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting s
Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting
insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting s
insurance businesses Pushing for sensible development of global capital
standards Securing better targeted tax legislation Managing the impact of international financial reporting
standards.
Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by
standard home and
business insurance policies.
Earthquakes in the United States are not covered under
standard homeowners or
business insurance policies.
• Provided support to global sales offices by managing, drafting, reviewing, redlining, and negotiating both
standard and non-
standard agreements including nondisclosure, professional services, independent contractor, manufacturing, software licensing (both on premise and SaaS), customer / sales, supplier, joint development, and distributor contracts • Maintained contractual records and documentation, such as receipt and control of all contract correspondence, customer contact information sheets, contractual changes, and other documents for all projects • Worked with risk management department to coordinate contractual
insurance requirements • Worked with finance department to insure adherence to broader finance and risk requirements such as revenue recognition, pricing and discounting
policies and other relevant requirements • Worked with relevant sales and
business team and advise regarding legal issues and risks related to various
business transactions • Ensured proper completion of a wide variety of agreements • Monitored compliance by company employees with established procedures • Ensured that signed contracts are communicated to all relevant parties to provide contract visibility and awareness
-LSB-...]
Standard commercial general liability
insurance policies does not protect your
business against alcohol related claims if you are in the
business -LSB-...]
Commercial vehicle and commercial truck
insurance policies are similar to
standard car
insurance policies, but include higher liability limits and coverage specific to your
business.
All truck - tractors, buses and other commercially registered motor vehicles operated in Pennsylvania must be covered by financial responsibility in the form of a
standard motor vehicle liability
policy from an
insurance company licensed to do business in the Commonwealth (unless the vehicles are self - insured in accordance with regulations of the PA Department of Insurance and the PA Department of Transpo
insurance company licensed to do
business in the Commonwealth (unless the vehicles are self - insured in accordance with regulations of the PA Department of
Insurance and the PA Department of Transpo
Insurance and the PA Department of Transportation).
Because every
business is different, commercial
insurance solutions for contractors can range from a
standard policy to a more thorough mix of coverages.
Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by
standard home and
business insurance policies.
[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.
But the reality is that damage from flooding is not covered under
standard homeowners, renters or
business insurance policies.
Standard homeowners
insurance policies do not provide any coverage for
business activities conducted in the home.
As a result of his intense involvement with the
insurance business, he developed a theory that, by screening auto
insurance applicants much more thoroughly than was the prevailing industry
standard, he could offer
insurance policies at a reduced premium cost to drivers who had previously been classified as «bad drivers,» one of the two broad classifications used at the time.
The reality is that damage from flooding is not covered under
standard homeowners, renters or
business insurance policies.
Earthquakes are not covered under
standard homeowners or
business insurance policies.
Flood damage is not covered under
standard homeowners, renters and
business insurance policies.
A
standard homeowners
insurance policy may provide limited coverage for
business property that is stored in your home.
Standard Life actually exited the individual life
insurance business in Canada almost three years ago, capping sales of new life
insurance policies in order to focus on investments, group savings and group benefits.
Many people do not realize until it is too late that home and
business insurance policies do not include earthquake
insurance as part of their
standard coverage packages.
It is important for
business owners in Montana to be aware that, much like homeowners
insurance,
business insurance policies do not provide coverage against flood or earthquake damage as part of their
standard package.
Homeowners and
business insurance policies rarely offer coverage against sinkholes as part of a
standard coverage package.
Several car
insurance companies specialize completely in non-
standard car
insurance, while some other auto
insurance companies that do
business primarily in
standard car
insurance also write high - risk
insurance policies.
A small
business has a wide variety or risks to consider, and the
standard commercial
insurance policy may not cover all your bases.
And if she works from home, a
standard home
insurance policy won't suffice; she needs
business insurance.
Insurers might use such statistics to determine Minnesota
business insurance quotes, since a
standard property
policy will protect the place of
business and a percentage of the
business possessions against theft and vandalism.
These
policies typically do not include earthquake coverage as part of their
standard coverage, so if an earthquake destroys your home or
business and you don't have an earthquake
insurance endorsement, you will not be able to collect compensation.
This extra
insurance coverage is almost never included as part of a
standard home or
business insurance policy and often must be purchased separately.
Commercial umbrella
insurance provides an affordable layer of excess liability
insurance for your
business above the limits provided by
standard business liability
policies and could mean the difference between staying in
business or becoming a lawsuit casualty in situations like this:
The Chasm Group, LLC and Chasm Institute, LLC (San Bruno, CA) 1997 — 2008
Business Operations Manager • Managed all daily operational tasks for leading multi-million dollar high - tech market strategy consultancy, while providing executive administration to C - level executives and venture capital partners • Developed and managed the firm's annual budget, proposing and implementing expense cuts, producing monthly reports and financial statements, and coordinating with CPA firm for accurate and timely filings • Oversaw all client relationship management efforts while cultivating new business efforts from concept to implementation, providing high - quality service in sales efforts while utilizing new lead tracking system • Negotiated and managed all contracts, stock grants, and financing arrangements, working closely with outside counsel to draft legal documents and resolve LLC - and proprietary - related issues • Led three office space build - outs and two office relocations, managing all aspects of each process under aggressive timeline and budget expectations • Reduced firm telecom expenses by 22 % by streamlining IT objectives, including migration to VOIP phone system, software / hardware purchases, domain renewals, and outsourced technical support • Directed all phases of staff recruitment while creating and implementing all HR policies and programs, including comprehensive employee benefits plans • Supervised multiple administrative staff members, conducted performance appraisals and wage / salary surveys in comparison to incentive program guidelines, and maintained HR files in accordance with legal mandates • Produced all out - going client invoices in an accurate and timely fashion to increase, cash flow and reduce aging receivables, providing consistent attention to overhead costs and vendor arrangements • Administered all company insurance policies, including E&O, general liability, bonds, partner life and disability, conducting annual benefits reviews and employee / company insurance audits • Obtained necessary certificates for consulting contracts while processing federal, state, and local business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report ge
Business Operations Manager • Managed all daily operational tasks for leading multi-million dollar high - tech market strategy consultancy, while providing executive administration to C - level executives and venture capital partners • Developed and managed the firm's annual budget, proposing and implementing expense cuts, producing monthly reports and financial statements, and coordinating with CPA firm for accurate and timely filings • Oversaw all client relationship management efforts while cultivating new
business efforts from concept to implementation, providing high - quality service in sales efforts while utilizing new lead tracking system • Negotiated and managed all contracts, stock grants, and financing arrangements, working closely with outside counsel to draft legal documents and resolve LLC - and proprietary - related issues • Led three office space build - outs and two office relocations, managing all aspects of each process under aggressive timeline and budget expectations • Reduced firm telecom expenses by 22 % by streamlining IT objectives, including migration to VOIP phone system, software / hardware purchases, domain renewals, and outsourced technical support • Directed all phases of staff recruitment while creating and implementing all HR policies and programs, including comprehensive employee benefits plans • Supervised multiple administrative staff members, conducted performance appraisals and wage / salary surveys in comparison to incentive program guidelines, and maintained HR files in accordance with legal mandates • Produced all out - going client invoices in an accurate and timely fashion to increase, cash flow and reduce aging receivables, providing consistent attention to overhead costs and vendor arrangements • Administered all company insurance policies, including E&O, general liability, bonds, partner life and disability, conducting annual benefits reviews and employee / company insurance audits • Obtained necessary certificates for consulting contracts while processing federal, state, and local business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report ge
business efforts from concept to implementation, providing high - quality service in sales efforts while utilizing new lead tracking system • Negotiated and managed all contracts, stock grants, and financing arrangements, working closely with outside counsel to draft legal documents and resolve LLC - and proprietary - related issues • Led three office space build - outs and two office relocations, managing all aspects of each process under aggressive timeline and budget expectations • Reduced firm telecom expenses by 22 % by streamlining IT objectives, including migration to VOIP phone system, software / hardware purchases, domain renewals, and outsourced technical support • Directed all phases of staff recruitment while creating and implementing all HR
policies and programs, including comprehensive employee benefits plans • Supervised multiple administrative staff members, conducted performance appraisals and wage / salary surveys in comparison to incentive program guidelines, and maintained HR files in accordance with legal mandates • Produced all out - going client invoices in an accurate and timely fashion to increase, cash flow and reduce aging receivables, providing consistent attention to overhead costs and vendor arrangements • Administered all company
insurance policies, including E&O, general liability, bonds, partner life and disability, conducting annual benefits reviews and employee / company
insurance audits • Obtained necessary certificates for consulting contracts while processing federal, state, and local
business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report ge
business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional
standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report generation
Director of
Business — Duties & Responsibilities Recruit and train staff of 30 in hospital
policies, procedures, best practices, and corporate branding Design and implement staff development, recognition, and disciplinary
policies and procedures Oversee admissions, utilization review, PB X, imaging center, billing, collections, and wound center registrations Set and strictly adhere to departmental budgets and schedules Author and present financial reports concerning revenue, expenses, and outstanding collections Identify performance indicators and benchmarks for integration into reporting systems Conduct surveys regarding patient / staff satisfaction, benchmarks, accreditation, and employee benefits Maintain a 99 % patient satisfaction score through attentive and professional
standards of care Negotiate contracts and claims with
insurance carriers, Medicare, Medicaid, and other payer sources Increase revenue by 30 % through effective contract renegotiation with suppliers, carriers, and other parties Implement
policies, procedures, and equipment to cut hospital costs while enhancing patient care Utilize strong management experience to drive operations in an efficient and professional manner Develop and implement billing controls, cash processing measures, lockboxes, and other financial processes Coordinate and oversee internal and external audits ensuring compliance with industry and legal
standards Recruit physicians through successful marketing, networking, and other tactics Implement automated Chargemaster financial application (Craneware) and maintain patient accounts Responsible for HCAHPS and the yearly Quality Assurance Plan Appeal claims when appropriate resulting in $ 400,000 reimbursement from PPO
insurance over the last year Build and strengthen professional relationship with community leaders, coworkers, and industry figures Consistently promoted for excellence in financial management, team leadership, and dedication to mission Develop working knowledge of hospital operations from patient admission to senior level strategic planning Represent company with poise, integrity, and positivity
Keep in mind that
standard homeowners, renters and
business insurance policies do not cover flood damage.