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 include rental car companies, not-for-profits, health and fitness centers and day-care facilities....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 business should be without commercial liability insurance. A Commercial Liability Insurance Broker...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 for peoples who are seeking such financial revenues. These investors are ready to give you a lump sum...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 from a director of the company indicating that the premises had burnt down that evening. What does...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 involvement of the solicitor is imperative as, first, all communications between the insurer and his solicitor will be privileged provided they are confidential and they are written to or by the solicitor in his professional capacity and that they have been made for the purposes of obtaining legal advice or assistance (Wheelerv. LeMarchant (1881) 17 Ch 675). Secondly and more importantly, the reports of the experts as third parties will be privileged providing they have been brought into existence in contemplation of pending or anticipated litigation and provided the sole or dominant purpose of the communication was to prepare for litigation (Guinness Peat Properties v. Fitzroy Robinson Partnership [1987] 1 WLR 1027. Difficulties in establishing privilege may arise in the early stages of the investigation of the claim because it is quite possible for the court to hold that the dominant purpose of the loss adjuster's report (or even 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
Safety is still not an assurance even with the availability of travel insurance coverage in travelling out of a province, according to an industry representative. The medical facility you are transacting with may or may not accept payments directly...more
Auctions Online Buyers around the world, rejoice! Purchasing those hard-to-find items has become so much easier with the ease of participating in auctions online. Local auction houses just can't possibly have access to the latest designer...more
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