Insurance policy

In general, tollers should have active insurance policies that protect themselves and to a certain extent the client from excessive loss. Make certain that the insurance coverage held by both parties works well to manage risks. 

Does contractor maintain an insurance policy of the type and minimum amount as specified m the contracted agreement (Please attach a copy of current insurance certificate.) ... 

Polhohe, /. altitude of the pole, latitude. Police,/, (insurance) policy. 

Versicherungsschein, m. insurance policy bond, vcrsickem, v.i. ooze away, seep away, percolate. Verslckening, /. seepage, percolation, versiegeln, v.t. seal, seal up. versiegen, v.i. dry up, be exhausted, versllbcm, v.t. silver, silver-plate. 

It is very important to understand that an insurance policy is a legal document, and insurance negotiations should be approached on this basis. Insurance contracts have a detailed legal background of both case law and common law in the interpretation of their provisions. Professional insurance advice from a reputable source, whether an insurance company or an insurance broker, is essential if problems are to be avoided. 

Under most theft insurance policies, the liability of the insurance company is conditional on the client s compliance with any policy terms and conditions. There is a... 

The following provides a general summary of the cover provided by standard liability insurance policies. 

As stated in previous sections of this chapter, there exists at all times a statutory and common law duty on all employers (which includes all engineers) to maintain a safe working environment for all their employees and the public at large. Additionally, it is contractual obligation on the insured under liability insurance policies to maintain the best reasonable standards of working procedures, equipment and the environment at all times. Consequently, there is a duty on all engineers to conduct their... 

Biocides have been called the "necessary evil" but in reality they are as valuable to the manufacturer of susceptible products as the insurance on the plant or buildings. Like an insurance policy they are designed to give protection when things go wrong. 

A term insurance policy for 10,000 will cost a person the following amounts biannually between ages 25 and 69 ... 

An insurance policy pays 80% of the first 20,000 of a certain patient s medical expenses, 60% of the next 40,000, and 40% of the 40,000 after that. If the patient s total medical bill is 92,000, how much will the policy pay ... 

An important subject is layoffs. The union and management may bargain over criteria for dismissal, amount of notice, amount of severance pay, whether or not benefits like insurance policies will remain in effect, and important recall provisions. The customary treatment of chemists has been to ignore recall possibilities. Layoff is equivalent to permanent separation, but this need not be. If the layoff is caused by economic considerations (regardless of the excuse given) and is not a result of poor performance, the chemist should be returned to work when the... 

Should a study subject suffer any deterioration in health or well-being caused by participation in a study, the sponsors of the clinical research must provide appropriate compensation without regard to the question of legal liability. A statement to that effect should be present in the protocol. Frequently, the insurance policy of the sponsor includes the pharmaceutical company, clinical investigators and the institution where the clinical study is being undertaken. 

To enlarge the formal safety database and thereby act as an insurance policy to address problems occurring at a later stage in a drug s evolution. 

If your insurance agent said this to you, would you know what it means Unless you work in insurance, you probably won t know what this means. PIP stands for Personal Injury Protection. It s the part of an insurance policy that pays when a person is injured in a car accident. 

Answered customers questions about their auto insurance policies... 

Adverse selection exists when individuals know more about their individual risks than do insurance companies. Under such circumstances, people compare their risks with the best premium offered by an insurance company. Those individuals whose risks are less than the premium will self-insure, leaving the company with above-average risks in its pool. An insurance company might realize this problem only after collected premiums do not cover subsequent claims. If a company then raises premiums, more individuals will opt to self-insure, the process will continue, and the eventual result will be no insurance policies. 

Safety performance also can affect other elements in periodic job performance ratings. Corporate insurance policies in the chemical industry typically include large self-insurance factors— deductibles —which are in the millions of dollars. Any losses which fall within this self-insurance limit are charged to the unit involved. This affects the unit s costs and profitability, also major factors in evaluating the manager s job performance. 

From the pragmatic standpoint of our culture, such an attitude is very bad for business. It might lead to improvidence, lack of foresight, diminished sales of insurance policies, and abandoned savings accounts. Yet this is just the... 

Reward 5 Keeps mind active. A good volunteer activity is like a mental-health insurance policy. It keeps you alert and ready for other facets of your life. 

List Your Assets. Refer to your net worth statement prepared in Chapter 16 and record all assets at current market value. List any insurance policies at face value rather than cash-surrender value. 

Know Designated Beneficiaries. Check all assets that allow for a beneficiary to be designated and verify that the current designations are consistent with your wishes. This includes life insurance policies, annuities, tax-deferred savings plans, bank accounts, and brokerage accounts. 

Insurance policies List all life, auto, home, veteran s medical, and other insurance policies. Name the agent(s) and give the location of these documents. Describe any loans you may have taken out against said policies. 

The more money you have, the easier this is to do. For example, you might buy dental insurance. But perhaps your dentist does not choose to participate in such a plan. The policy is good only if you switch dentists. Solution Insure yourself. Instead of paying, say 15, into a policy each month, use the money to build a kitty for future dental bills. Such a fund becomes a self-insurance policy. 

I I Always compare. In buying any new insurance policy, compare the two that you feel provide the best protection. Only after a step-by-step comparison should you make your choice. 

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