There are a lot of companies offering cheap building and contents insurance and sometimes it can be difficult to know what you are getting for your money and how good your deal is. A price may look cheap but if it does not provide the cover you need it is a false economy.Buildings insurance refers to the building itself and covers you in the event of any damage to the property. It is important to check what the policy covers. For example you may...more
A business would need insurance for the same reason that drives a homeowner to buy home insurance, i.e. to protect the asset from losses arising from an unforeseen event. The Business Owner Policy (BOP) is designed to help businesses deal with the financial losses from an accident. But when it comes to buying business insurance Ontario the task is not easy. You would need to carefully decide upon the coverage, price, whether you...more
Are you writing off tobacco cessation counseling as non-payable? If so, it's time to change your gear. Previously, CMS only covered 99406-99407 for a beneficiary with a tobacco-related disease or with symptoms of one. However, the agency recently announced that under new coverage, any new smoker covered by Medicare will be able to get tobacco cessation counseling from a qualified doctor or other Medicare-approved practitioner who can work with them to prevent them from using tobacco. For quite some time, many tobacco users with Medicare coverage were denied access to evidence-based tobacco cessation counseling. Most Medicare beneficiaries want to do away with their tobacco use. At present, older adults and other Medicare beneficiaries can get the help they require to overcome tobacco dependence successfully. The just-in tobacco cessation counseling coverage expansion will apply to services under Medicare Part B and Part A. The new benefit will encompass two individual tobacco cessation counseling attempts a year. Each attempt may cover up to four sessions, with a total annual advantage, thus covering up to eight sessions per Medicare patient who makes use of...more
Philadelphia Insurance Company - Strategic Analysis ReviewPhiladelphia Insurance Company (PHLY) together with its subsidiaries specializes in designing and underwriting commercial property/casualty insurance. Philadelphia Insurance Company was formerly known as Philadelphia Consolidated Holding Corp. The niche clients of the company...more
We live in a very litigious society and although most claims are dropped, dismissed or settled out of court, the fact remains that all business owners and professionals risk having their reputations marred by unhappy clients who bring claims against them. Just as all businesses require Commercial Business Insurance in California, no...more
Do you have a plan in place to maintain your family's financial well-being if you lost your life? Paying everyday bills can be quite difficult for a suddenly single-income family, so although it is unpleasant to think of such an event, it is important to plan for it. Term life insurance is your most reliable option for protecting your family in these situations.Why is a term life insurance plan worth your consideration? One great benefit is its stability. Many other long-range opportunities to invest your money carry with them significant risk in terms of fluctuation on value, which you will not encounter with term life.For example, investing in the stock market could pay great dividends if the market improves and your specific investments do well. But in the event they do not, you could lose some or all of the money you had intended to support your family with. This is not a concern with international life insurance coverage.The amount of coverage you buy on the day you purchase your plan will not change. So if the economy sours or some other economic problem occurs, your policy will be worth the same in 5, 10 ,or 20 years. That offers the policyholder valuable peace of...more
If you're attending to sell a structured insurance settlement then you're a extremely valued and extremely searched client in the financial industry. This is because payment flows such as the one you have for sale is a good investment...more
Rankin Manufacturing Limited is a small company based in Coventry manufacturing vehicle component parts and is covered by an ARPI policy with Industrial Risks Limited. On 5 August the claims manager of Industrial received a phone call...more
If litigation does subsequently take place, after the close of pleadings each party must disclose all documents relevant to the issues in question. There are various exceptions to that rule, particularly relating to privilege. The...more
If solicitors are to be instructed at an early date, the insurer will probably have the best chance of maintaining privilege at a later date. The involvement of the solicitor in cases of potential fraud is also critical in that he will...more
As part of this investigation it is also important to investigate the past history and habits of the directors of the company. For example, have any of the directors been involved in bankruptcy or insolvency? Do they have criminal...more
As soon as the evidence has been gathered the claims manager should call a meeting of his team to decide whether the evidence justifies rejecting the claim (which has already been made by Rankin Manufacturing Ltd.) or whether, despite...more