Medical health care is one of the most important aspects of life. This is particularly because as humans we are prone to illness every now and then. As a result, we may be in need of health care at various levels depending on the extent of the illness. In the recent past, the number of highly complicated illnesses has skyrocketed. This has resulted in the increase in the costs of getting treatment from highly specialized medical practitioners....more
You might be genuinely concerned about losing your job or might be sacred that because of your ill health, you might not be able to work in the future. And, in such cases a PPI can be a good way of protecting yourself against any financial burden. However, make sure that you buy this insurance cover out of your will. There are chances that this was sold to you along with the mortgage, loan or credit card you took. If that has happened, then you...more
With thousands of businesses of all sizes dealing with business interruption and contingent business interruption claims following Superstorm Sandy, there is likely to be issues between business policyholders and insurers over whether interruption losses are covered.This is due, in part, to the variety of problems and concerns the storm has created: FloodingPhysical damagePower outagesGovernment orders andSupply chain disruptionsMuch of the coverage is tied to physical damage, which is damage covered under most policies.It all may depend on the policy and how losses were incurred. Business interruption insurance covers businesses for losses stemming from unavoidable interruptions in their daily operations as a result of physical damage, however, if damage was due to an uncovered peril like flood, for instance, such conditions may not be covered.Many businesses may have coverage for loss resulting from evacuation by order of civil authority (triggered when authorities close off access to a damaged area). In this case damage to the insureds own property is not required to trigger coverage. An order of this type typically must result from property damage that is covered by their...more
In todays world, it is important to be able to use beauty products. Whether you are looking for lipstick, or general make up, or something else, it is a good idea to invest in products that make you feel like you are someone special. The bad news is, that due to rises in prices of a number of other products that go into beauty products, that there...more
There are a number of covers that are offered for a commercial combined policy, specifically designed for manufacturers and factory owners. ICBC Lawyers in Vancouver can guide you for the important Insurance covers that you need as per your factory and requirement.Following are the important Insurance covers for protection of your manufacturing...more
Your business is vulnerable to many things. For instance, what if your biggest client bankrupts or stops doing business with you, or what if the government changes policies which cause you major loss. These are some things which you cannot control, as you do not have influence over other companies nor the government. This is exactly why one needs to purchase a trade credit insurance policy. This policy ensures that you do not have to suffer heavy loss or liquidate your company if your biggest clients back out due to any reason at all.Many people think that a trade credit insurance policy would come in handy if the government changes its policy. What you need to know is that the government is not your client. In such cases a person needs to purchase a political risk insurance policy. This sort of an insurance policy would keep your business for change in the policies of the government. Amendments keep on happening and governments keep on changing. You cannot hope to keep up the company with such drastic changes. Rather than declaring yourself bankrupt have a political risk insurance company on your side. They would help you out in such times. While you are choosing for such a...more
Unfortunately, the time to decide whether you are happy with your insurance company is before you have to make a claim. Otherwise, you are stuck dealing with your current company until your claim is resolved. Fortunately, there are some tactics that...more
Just imagine that your house has been subjected to a natural catastrophe like a flood, or perhaps a storm. Also, imagine yourself stepping into the cellar only to find plenty of damage done due to water leakage. If you have large blanket coverage...more
You are going to be surprised to learn that a number of insurance companies do not normally give their clients information on independent water damage repair London companies that can detect a leak. These companies are also well versed in assessing...more
After accidents involving cars, motorcycles, trucks, or buses, insurance companies swing into action. One reason they act so swiftly is because they want injured parties to sign off on an insurance settlement as soon as possible, preventing...more
Owning a business or commercial property has many challenges in New Zealand even with life insurance aside. However, if you are thinking of moving premises or buying a commercial property then come and talk to us first.Why?Buying commercial property...more
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