Understanding Professional Indemnity Insurance

Budget Car Insurance Quote Understanding Professional Indemnity Insurance Professional Indemnity Insurance is more widely demanded than ever before, with professions from Accountants to Zoologists valuing the protection it offers. However, Professional Indemnity Insurance is complex and unlike most other types of insurance so it is important that policyholders understand how their cover works. When deciding if a policy is suitable for your business consider the following: Professional Indemnity Insurance is written on a claims made basis. This means that if you need to make a claim there must be a live policy in place and you must claim on that policy, even if the cause of the claim dates back many years when a previous policy or no policy was in place. Because of the claims made nature of Professional Indemnity Insurance, if you do not maintain cover then you will not be protected if a claim comes out of the woodwork. Therefore if you retire or cease trading you should consider run-off cover that will ensure protection continues. If your business merges then you should ensure that there is continuity of cover. Again, because Professional Indemnity Insurance is claims made, insurers may not want to expose themselves to the risk of any past mistakes being claimed for. Therefore they may set a retroactive date on the policy and will then not accept any claims that have their root before that date. Professional Indemnity policies will have a Limit of Indemnity, which is the maximum value that can be claimed. The limit will either be Any One Claim or In The Aggregate. An Any One Claim limit is the...
Patriot Travel Medical Insurance

Patriot Travel Medical Insurance

Insurance Guide by wallygrom Patriot Travel Medical Insurance There are two Patriot travel medical insurance plans available. Patriot International is for U.S. Citizens traveling outside the U.S. with coverage for brief returns to the U.S. The other plan is Patriot America, this is for non-U.S. Citizens traveling outside their home countries. The period of coverage for both plans can be from 10 days up to 2 years. Both plans offer great benefits and services which should meet your international needs. Benefits include a range of deductibles (0 to $ 2,500) and plan maximums ($ 50,000 to $ 2,000,000) and access to over 17,000 providers when you need treatment outside the U.S. There is no Coinsurance for treatment received outside the U.S. and Canada. In the U.S.  and Canada the plan pays 90% of eligible expenses up to $ 5,000 then 100% up to the policy maximum when treatment is provided within the PPO Network and 80% outside the PPO Network. Benefit period of 6 months. On-line access to MyIMG 24 hours a day. World-Class Medical Benefits and International Emergency Care. Below are the Schedule of Benefits, Additional Benefits, International Emergency Care and Optional Riders. Schedule of Benefits: The following are covered Up to the Maximum Limit: Hospital Room and Board (for average semi-private room rate), Medical Expenses, Out-patient Medical Expenses, Local Ambulance, Intensive Care, Emergency Room Accident, Emergency Room Illness with In-patient Admission, Prescription Drugs, Dental - Due to Accident. Emergency Room Illness without In-patient Admission - Up to Maximum Limit with additional $ 250 deductible, Dental - Sudden Pain - up to $ 100, Indemnity (for U.S. Citizen only) - up...
Ways To Save Money When Purchasing Auto Insurance

Ways To Save Money When Purchasing Auto Insurance

Online Insurance Quotes Auto by Ed Yourdon Ways To Save Money When Purchasing Auto Insurance Money becomes tighter in our economy, many families are scrambling to save cash within the family budget. 1 of the best locations to save some money every month with out sacrificing service is in what's spent on auto insurance. Persons that just continue to let their policy renew without checking costs frequently wind up paying additional for the coverage than they must. The very first step would be to review the policy currently being carried. Persons that have put off trading vehicles might now own vehicles which are worth below the 2000 dollar cutoff where it no longer pays to keep full coverage. These vehicles are typically over insured. Even if the vehicle were to be totaled, the provider would pay far much less, after deductions than the vehicle is worth. The customer could be greater off putting those premiums being paid for full coverage in the bank. Once the owner of the vehicle determines the quantity of coverage required, it's time to gather quotes. Most of the time the very best rates are discovered when 3 to four providers are compared. Additionally, drivers may wish to ask for a new quote to be given from the existing provider as well. This is especially critical if downgrading. Persons with out bad marks on their driving records normally get the very best prices. Accidents and tickets are seen by the business as indicators that the driver is likely to be involved in more accidents, thus he or she will pay extra for the coverage. If...
The Great things about used car sites

The Great things about used car sites

Car Insurance Sites by Chris Devers The Great things about used car sites You are available with tons of used car sites to visit. However, there is a difference in the quality of services that they provider. Some of these cars are hard to used, have high priced offers and do not offer facilities like narrowing down your search to what you really want whereas there are some sites that are exactly opposite to this. So, we'll talk about only good ones. Online classifieds is one of the best examples for searching a used car. But, on the other side you also need to be aware of a number of scammers lurking around on the websites itself. If you want to search your next used car with minimum risk involved, the online searching would be best suited for you as it has a number of reputed car dealers ready to serve you. These dealerships also provide some types of warranty offers and reassurance regarding the flawlessness of the car. They get their cars inspected by trusted mechanics before putting them on sale. One of the advantages of online searching for used cars is that you can refine your search by mileage, make, model, price, etc. If you want to save maximum amount of money on your next used car purchase, you can also avail the services of several car auction sites. These sites offer information to their users about various auctions near you. Getting a used car through these sites can really save lot of money as compared to what you'll have to pay to a dealer. A car...