Statutory audit preparation is critical, particularly at the corporate level. It's essential to have a full-spectrum statutory audit function in place at all times. Self insured businesses require a complete information system based on formal compliance criteria.Preliminary MeetingThe usual process for statutory audits involves a preliminary meeting between the regulator and the organisation to be audited.The meeting creates a format and working...more
Its what you work hard for all year. That precious week or two away. Now it is all booked and you cannot wait to get away. You have put the date on the calendar, although you are hardly likely to forget it. Maybe there is one thing that you have forgotten, and that is to buy some cheap holiday insurance.You should not think of travel insurance as being optional as it is very necessary. It could save you a lot of money and does not cost a fortune....more
Home insurance includes building and contents insurance. These are two separate insurance policies that are often sold with each other. Buildings insurance provides cover for harm to the building. Contents insurance provides cover for contents within. Homeowners should have both. Renters only need contents insurance. Insurers typically offer them along with each other. But you can buy them separately and even purchase then from different insurers.A buildings insurance policy protects the building itself and is often taken out with a mortgage. Buildings insurance can also include garden sheds, garages and exterior walls. What is actually covered may vary. It pays to check exactly what is included when you are getting a quote for the policy. Contents insurance protects all of the general belongings in the home, such as furniture, clothing, electrical goods, and personal items and other possessions. Valuable items may need additional cover. Contents insurance will often include some useful protection such as protection for accidental damage. You may also be able to get cover for contents in your garden.Being vigilant about home security can impact the premium charge. A lower risk...more
Business owners can greatly benefit from having commercial insurance. This type of coverage helps a business in many ways, including protecting them from liability. If a product, service or contract goes wrong or causes injury to a client, liability insurance can help to cover the costs. This is essential if legal action is taken to...more
To some lawyers, the intricacies of maritime law can seem complicated. To the injured seaman, these laws might seem confusing and overwhelming. If you are injured or get sick while working on a vessel on or near a body of water, it is important to know your legal rights. Your rights as a maritime worker will differ greatly from...more
Choosing an auto insurance policy is often considered to be all about the price of the policy. Sure you want the best coverage you can, and you want to be sure that you will get reimbursed for the types of accidents that are likely to happen to you, and absolutely you want to have the cheapest policy you can get, but what about choosing an auto insurance company that can actually afford to pay your claims?Choosing an Insurance CompanyOne of the best ways to make sure you choose an auto insurance company that can afford your policy is to check the company's AM Best rating before you take out the policy. AM Best is an insurance rating company that examines the financials of an insurer in order to determine how likely that insurer is to be able to pay the claims it receives. By checking the company's balance sheets, income statements, insurance policy load and other information AM Best can get a good idea of whether or not they can handle their financial load.Once they assess the financials they give a letter grade to each insurer. These letter grades give you an idea of just how capable AM Best things the insurer is. Generally, you want to choose an insurer with an A rating or...more
One of the most well known andcredible names in the health insurance industry is Aetna Insurance. Individuals who do not have the fortune to enlist in a group plan provided by their employer will likely find a plan that fits their...more
If you are in a situation right now where you know that you need health insurance and you are not having it provided by your employer, then you are going to want to begin shopping around. All too often what people will do is go for the...more
There are many different deals out there that offer low prices on travel to and from the UK. Many people will take advantage of last minute deals while others will plan ahead and be first in line of other low prices. Cheap holiday insurance is...more
Residents of the US Gulf Coast region are particularly wary of insurance issues after recent hurricane seasons have proven to be more destructive than usual. They are more careful about warnings, evacuations, protecting homes, and other issues that...more
Commercial business insurance is different from home insurance in that there are different risk factors that can affect your business. A lot of this will depend on what type of industry you are in, the number of employees you have and how you...more
Do you need to print a lot of documents? Indeed, it will cost a lot. However, it depends on the type of document you print. Ideally, toner yield is measured at 5% for page coverage. Then, what if the toner is draining while performing...more