Sentences with phrase «which business insurance coverages»

Learn which business insurance coverages you may want to consider for protecting your business.

Not exact matches

Brutman also recommends personal property and casualty insurance coverage, which in the event of your death, takes business debt into consideration.

«Both my business and myself will be harmed if I must purchase health care insurance coverage, which I neither want nor need, to comply with the ACA,» Brown explained in an affidavit filed in October of 2010.

The deal could help Cigna compete with UnitedHealth Group, which has clinics, drug benefits and insurance business, and CVS Health Corp, which agreed in December to buy US health insurance giant Aetna for about $ US68 billion, linking its pharmacies and drug - benefit plans with the insurer's coverage.

In contrast, the insurer's group insurance business, which includes life and disability coverage, reported pretax, adjusted earnings of $ 42 million.

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.

Gov. Cuomo also proposes a healthcare redesign to enact the federal health exchange which would cover uninsured New Yorkers who can not afford coverage, reduce insurance costs to covered individuals, and reduce spending for small businesses.

What the Obama administration just did with education would be a mild case, in which waivers are combined with new requirements lacking a basis in law, but the more serious case is the Affordable Care Act, under which, without any warrant that I have been able to find in the law itself, the administration granted more than 1,400 waivers to labor unions and small businesses that were offering less insurance coverage than the law requires.

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.

Proper protection for equipment may be available through a business owner's insurance plan, or BOP, which often includes coverage for equipment away from the office.

Talk to an business insurance agent or consult with an attorney to determine which types and amounts of business insurance coverage is right for you.

Within hours after the storm, Josh, working with New York insurance partner John Pruitt, drafted the legal alert, which addressed issues such as (i) determining if insurance would cover property damage from the storm; (ii) potential recovery for lost profits through business interruption coverage and loss of ingress / egress provisions; and (iii) timely notification of losses to insurance agents and brokers.

Mark Cahill, a partner since 1992, focuses on bringing creativity and practical business judgment to his litigation practice, which includes disputes arising from mergers and acquisitions, sophisticated insurance coverage claims and analysis, corporate finance and governance matters, class actions and other complex business litigation.

Notable mandates: principal negotiator and senior legal counsel to the Algonquins of Ontario in ongoing treaty negotiations in a land claim that covers most of eastern Ontario, including the nation's capital, and in which more than 1.2 million people reside; representing USW Local 2251, the largest local union at Essar Steel Algoma Inc., in the Algoma CCAA restructuring; two significant insurance coverage appellate victories, Urbanmine Inc. et al v. St Paul Fire and Marine Insurance Company et al and Royal & Sun Alliance Insurance Company of Canada v. Intact Insurance Company; acting for North American Fur Auctions, successor to the original Hudson's Bay fur trading business, in connection with the amendment, restatement and re-syndication of a credit facility to include Export Development Canada; acted for La Caisse Centrale Desjardins du Québec with respect to credit facilities to finance the construction of a highrise condominium complex containing an affordable housing insurance coverage appellate victories, Urbanmine Inc. et al v. St Paul Fire and Marine Insurance Company et al and Royal & Sun Alliance Insurance Company of Canada v. Intact Insurance Company; acting for North American Fur Auctions, successor to the original Hudson's Bay fur trading business, in connection with the amendment, restatement and re-syndication of a credit facility to include Export Development Canada; acted for La Caisse Centrale Desjardins du Québec with respect to credit facilities to finance the construction of a highrise condominium complex containing an affordable housing Insurance Company et al and Royal & Sun Alliance Insurance Company of Canada v. Intact Insurance Company; acting for North American Fur Auctions, successor to the original Hudson's Bay fur trading business, in connection with the amendment, restatement and re-syndication of a credit facility to include Export Development Canada; acted for La Caisse Centrale Desjardins du Québec with respect to credit facilities to finance the construction of a highrise condominium complex containing an affordable housing Insurance Company of Canada v. Intact Insurance Company; acting for North American Fur Auctions, successor to the original Hudson's Bay fur trading business, in connection with the amendment, restatement and re-syndication of a credit facility to include Export Development Canada; acted for La Caisse Centrale Desjardins du Québec with respect to credit facilities to finance the construction of a highrise condominium complex containing an affordable housing Insurance Company; acting for North American Fur Auctions, successor to the original Hudson's Bay fur trading business, in connection with the amendment, restatement and re-syndication of a credit facility to include Export Development Canada; acted for La Caisse Centrale Desjardins du Québec with respect to credit facilities to finance the construction of a highrise condominium complex containing an affordable housing component

One can purchase General Liability Insurance separately or as part of a Business - Owner's Policy (BOP), which combines Property and Liability Insurance into one Business Insurance policy for better business coverage at loweBusiness - Owner's Policy (BOP), which combines Property and Liability Insurance into one Business Insurance policy for better business coverage at loweBusiness Insurance policy for better business coverage at lowebusiness coverage at lower rates.

If in doubt of the business auto insurance policy is right for you, an insurance agent can explain in more detail which coverage options are mandatory and which ones are optional.

If you are operating under your own authority in your Oklahoma business, you will need to carry your own commercial truck insurance coverages, which may include:

Business Liability Insurance is coverage for liability exposure which results from the activities of a bBusiness Liability Insurance is coverage for liability exposure which results from the activities of a businessbusiness.

In business for more than 25 years, Travel Guard provides per - trip and annual insurance plans which carry coverage for things like trip cancellation, interruption, delay, medical expenses and baggage loss as well as 24/7 concierge assistance.

You could also ask about «peak season» coverage which increases the business personal property limit on your commercial property insurance automatically at certain times of the year within the policy term.

Every business is unique, which is why we have several options for company car insurance coverages that meet your company's needs.

If your home - based business involves providing professional advice you may need errors and omissions coverage, which can be bundled into your home - based insurance policy.

Professional Liability Insurance is a specialty coverage, which is not provided under Homeowners Endorsements, In - home Business policies or Businessowners policies (BOPs).

There are other factors involved with life insurance for business purposes, but age and income are the main determining factors for personal coverage which is what we are discussing here.

When I used to operate a home - based yoga studio, I also had an umbrella policy, which offered my business an extra layer of financial protection on top of my property insurance coverage.

For a small business, knowing which insurance carriers offer coverage in the local region is key to finding the right health insurance plan.

To determine whether individual or small business health insurance is better, we looked at the cost, coverage, and network differences in individual vs small business plans to find which type of coverage offered the better value.

• Have your broker review your policy wording to identify insurance coverage's which may apply (e.g.: some business interruption policies include an extension for loss of income / extra expense due to off premises power interruption caused by fire.)

One of the most common types of business insurance products is commercial property insurance, which often provides the following coverages:

Once you're familiar with the basic commercial insurance coverages, you should investigate which ones best fit your business.

But employer - based supplemental coverage, which is offered at group rates, costs about one - third less than individual policies, says Jim Edholm, president of Business Benefits Insurance of Andover, Mass., a group insurancInsurance of Andover, Mass., a group insuranceinsurance broker.

You can purchase more coverage with term life, which is beneficially when covering a large mortgage on your home, protecting the primary wage earner of the household, key person life insurance, or covering a small business loan.

An example of a case in which your renters insurance would offer no coverage at all for the storage unit would be if the storage were for a business that you run.

While looking at independent ratings agencies can help you determine if a company will be in business when you need them to pay for a claim, consumer insurance reviews can help you determine which agency will offer the right coverage, cheap insurance quotes, superior customer service or the best claims support.

Most North Dakota insurance providers will provide you with a number of business coverage options from which to choose as you build your policy or policies, including these:

Full glass coverage is an additional physical damage coverage which can be purchased on a personal or business auto insurance policy.

In addition to deciding which type of coverage is best for your business, evaluating group medical insurance costs can also prove to be a challenge.

Your landlord's commercial insurance won't necessarily protect your business, which is why it's so important to have the right coverage for your company.

Whether you own a large corporation or a small local business, an independent agent can help you assess your insurance needs and determine which coverage options are best for you.

Key man insurance, otherwise known as key person or key employee insurance, is coverage which can help protect your company in the case of an untimely death or disability of a top salesperson, executive or business owner.

Manfredi, who lives outside New York City, says he has other coverage for his family and no longer needed the insurance, which was taken out when he was co-owner of a computer mailing business.

Future - Generali's SampoornaSuraksha is a micro-insurance product, which means it gives coverage for a much smaller time and a much smaller amount, at very low premiums, than is the norm for small business insurance or regular term insurance.

The decision to curtail level of insurance coverage will have an adverse impact on the country's private health sector, which would have seen a massive business growth as the programme channeled millions of new patients into private hospitals.

With a Commercial Umbrella Insurance policy, you get an additional layer of professional liability Insurance coverage to help protect your business against potential risks, which may not be covered by your basic liability insurance; such as commercial auto insurance, general liability insurance or employment practices iInsurance policy, you get an additional layer of professional liability Insurance coverage to help protect your business against potential risks, which may not be covered by your basic liability insurance; such as commercial auto insurance, general liability insurance or employment practices iInsurance coverage to help protect your business against potential risks, which may not be covered by your basic liability insurance; such as commercial auto insurance, general liability insurance or employment practices iinsurance; such as commercial auto insurance, general liability insurance or employment practices iinsurance, general liability insurance or employment practices iinsurance or employment practices insuranceinsurance.

If you need more than $ 10,000 in coverage, you may want business owners insurance, which offers the most comprehensive coverage.

Your homeowner's insurance policy probably doesn't include coverage for your business property in your home which is why it's important to have this insurance.

Call us anytime at 1-888-746-1221 to shop your business insurance rates or fax us your business insurance declarations page which shows your coverages to 1-937-743-0080.

While they have more capital to spend on coverage, their businesses also affect more customers than most, which raises Nevada business insurance quotes.

Because of the diverse coverage needs that businesses in different industries have, it is beneficial to work with a Trusted Choice agent who can recommend supplemental property - coverage offerings such as inland marine insurance and boiler and machinery insurance, which you may want to add to your policy package if they are appropriate to your business.