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Posts Tagged ‘Company’

Bharat Insurance Company (1896)


Image by bratboy76
Life Insurance in its modern form came to India from England in the year 1818. Oriental Life Insurance Company started by Europeans in Calcutta was the first life insurance company on Indian Soil.

All the insurance companies established during that period were brought up with the purpose of looking after the needs of European community and Indian natives were not being insured by these companies. However, later with the efforts of eminent people like Babu Muttylal Seal, the foreign life insurance companies started insuring Indian lives.

But Indian lives were being treated as sub-standard lives and heavy extra premiums were being charged on them. Bombay Mutual Life Assurance Society heralded the birth of first Indian life insurance company in the year 1870, and covered Indian lives at normal rates. Starting as Indian enterprise with highly patriotic motives, insurance companies came into existence to carry the message of insurance and social security through insurance to various sectors of society.

Bharat Insurance Company (1896) was also one of such companies inspired by nationalism. The Swadeshi movement of 1905-1907 gave rise to more insurance companies. The United India in Madras, National Indian and National Insurance in Calcutta and the Co-operative Assurance at Lahore were established in 1906.

This building now lies uninhabited in Mount Road, Chennai but maintained by LIC of India.

Story Courtesy: – LIC of India

Used in a Weblog

What is Professional Indemnity Insurance? an Easy to Understand Guide

Professional Indemnity Insurance (PI) is difficult to comprehend. However, I’ve devised a guide to make professional indemnity insurance simple.

What is Professional Indemnity Insurance?
Professional Indemnity Insurance is a form of business insurance for professionals who are in industries where others may rely on their professional advice. By being regarded as an ‘expert’ in a field, others may seek legal action against you if they suffer a loss from your professional advice.

For example, if you are an accountant and are responsible for preparing and lodging your client’s tax returns, a failure to lodge the tax returns on time can result in interest and penalties for your client. Your client could take legal action against you for a breach of your professional duty.

Professional Indemnity Insurance may protect you from such action by covering claims made against you, including legal defense costs up to your specified amount of cover, and after taking into account your excess (of course, you would need to look at your policy wording to look at what specifically is covered).

Why Do People Hate Thinking About Professional Indemnity Insurance?
Professional Indemnity Insurance forms the largest percentage of your business insurance expenses. Typically, Professional Indemnity Insurance is a time-consuming process taking up to 12 weeks. Again, it’s expensive and most people don’t know if they are getting the best deal.

This is where companies like BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes, and purchase in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers (AIG, Dual and Vero) to make sure that you’re getting the cover you need. By staying online, you are also benefiting from reduced pricing and costs.

So, make sure you visit BizCover Professional Indemnity Insurance for further Professional Indemnity Insurance info, and get a free 2-minute quote!

FORWARD THIS VIDEO! Join the fight: sickforprofit.com What does UnitedHealthcare CEO Stephen Hemsley have to lose if Congress passes real healthcare reform this year? Well, for starters, his nearly three quarters of a billion dollars in unexercised stock options might lose a few pennies on the dollar. What does Isabella, a four year-old girl in Winsconsin who is physically incapable of eating and has had to be tube fed her entire life, have to gain from healthcare reform? The treatment she needs to live a normal life. Brave New Films is launching a major new campaign to reveal the truth about the health insurance industry, and we need your help to do it. Contribute today so we can create more campaigns exposing the obscene wealth of the CEOs of Aetna, CIGNA, Humana and WellPoint and the policyholders theyve abandoned for profit. http

Pan American Life Insurance Company


Image by regional.modernism
Pan American Life Insurance Company
1952
Skidmore, Owings and Merrill; Claude E. Hooton
2400 Canal St New Orleans, LA
29.963208-90.084213
photo: trevor meeks

Obtaining An Accurate Automotive Insurance Quote From Potential Auto Insurers

There are multiple factors involved in the determination of what you, as a vehicle owner, will have to pay for your automotive insurance. Many of these factors are not controllable by you but there is one that you can control. Of course you cannot control the factors such as your age or if you are male or female but you do have control over what type of driver you are and what is on your driving history record. This is a very essential factor that all automotive insurance companies use to figure the premium amount you will have to pay for your auto coverage.

A person’s personal driving record plays a very essential part in what a driver will have to pay to obtain insurance coverage from an insurance company. This is pretty basic and just about everyone is aware of this fact. However, many people do not place enough seriousness on taking care of their driving record as they should and in turn makes it nearly impossible to find an affordable insurance policy.

When you contact an insurance company for an auto insurance quote, they will do a background check upon you to check the status of your driving history to get you a more accurate quote; however, many companies give you just a standardized quote that would be an estimate of what your premium would be based on the general census. Once they delve deeper into your history, your actual payment amount could be more or less. This will depend on how many driving infractions you have had in your past. To help make sure that you get the most accurate quote available to you, it is essential to let them know of all traffic infractions prior to them giving you the standardized quote.

If you are not sure of what lays within your driving history, you can always get a copy of it so that you know what to disclose to your potential insurer. To get your copy you can contact a Government Website like your local department of driver services to make sure you get the most accurate quote and not be surprised after you have agreed to a policy.

Keeping a handle on your own personal driving history can really help to keep your insurance premiums low. Your driving history is just as important as your credit history. http://www.247autoinsurancequotes.com

NJ – Newark: Firemen’s Insurance Company Building


Image by wallyg
The Firemen’s Insurance Company Building, at 10 Park Place, was built in 1928 by Marvis, Davis & Turton. At the time of its completion, it was the tallest building in the State of New Jersey at sixteen-stories and 205-feet high. The facade is of Dover marble, and the rear is covered with enameled brick and terrazza finish.

New Jersey State Register (1982)
National Register #82003273

Individual Health Insurance Reform Future Proceedings Easy To Insure Me

MARCH 26, 2010

This Week in Health Care Reform     

Health care reform legislation passed the House this week on a party-line vote. Late Sunday night, House Democrats approved the Senate health care reform package, sending the legislation to President Obama for his signature. On Tuesday, President Obama signed the underlying bill into law, yet the House has yet to finalize the package of “fixes” that will alter the final implications of the legislation.

Health Care Reform Negotiations

House Democrats Pass Health Care Reform Package: The House of Representatives approved the Senate health care reform bill Sunday night by a vote of 219 to 212. The vote marks the climactic finale to a year-long debate over health care reform. In the final vote, 34 Democrats joined all House Republicans in voting against the measure. Shortly thereafter, the House also passed a package of “fixes,” by a vote of 220-211, that was sent directly to the Senate for its approval through reconciliation. On Tuesday, President Obama signed into law the Senate health care reform bill, called the “Patient Protection and Affordable Care Act.”

Republicans Force Senate to Send the Reconciliation Bill Back to the House: Shortly after the President signed the Senate bill into law, Senators began deliberations on the reconciliation bill. Reconciliation protocol restricts Senators to 20 hours of debate on the measure, but it does not limit the number of amendments that can be filed. In an expression of opposition to the bill, Republicans filed 29 amendments to the reconciliation package.

After 10 hours of continuous debate, Republicans were successful in eliminating two provisions related to college financial aid in the non-health care portion of the bill. The Senate parliamentarian ruled early Thursday morning that those two provisions violated the chamber’s rules, sending the legislation back to the House for a new vote. As a result, on Thursday afternoon, the Senate voted on the reconciliation bill without those two provisions and sent the bill  back to the House for a vote on final passage. The House vote will likely come Thursday evening.

What Does This Health Care Reform Legislation Mean: While the health care reform bill extends insurance coverage to 32 million more Americans by 2019, the legislation has other far-reaching implications that will be phased in sooner, during a multi-year implementation period.

Several features of the new health care overhaul bill that would take effect in 2010 under the measure passed Sunday include:

* New product requirements beginning 6 months after enactment, including:
o Coverage for dependents up to age 26
o No lifetime maximum benefit limits
o And no cost sharing on preventive care for certain policyholders
* Temporary federal high risk pools;
* Tax credits for small employers; and
* Prohibition on pre-existing condition exclusions for children (beginning 6 months after enactment).

Most Americans will have until 2014 to purchase insurance or pay a penalty. Other elements of the bill that will not take effect until at least 2014 include insurance marketplaces called “exchanges”; rules requiring insurers to accept all applicants regardless of pre-existing conditions, and an expansion of state Medicaid programs.

A number of experts question whether health care reform will really drive down insurance premiums. America’s Health Insurance Plans ( AHIP), the trade group representing health insurers, outlines a series of concerns related to the legislation including a lack of provisions that address underlying health care costs, improve quality of care or ensure a stable risk pool. In addition, AHIP expressed concerns regarding new taxes on health coverage, which will likely increase premiums.

Additional Activities

Obama’s Executive Order on Abortion Funding: On Sunday afternoon, prior to the final House vote on health care reform, President Obama agreed to issue an Executive Order that would uphold the ban on federal funding for abortion . In so doing, he secured about a half-dozen votes from anti-abortion Democrats, led by Rep. Bart Stupak (D-MI), who previously opposed the legislation. On Wednesday, President Obama signed the Executive Order banning the government from spending federal money to pay for abortions through plans offered on the insurance exchanges created under the measure.

States Filing Lawsuit to Fight Provision of Health Care Reform Bill: In response to the new health care reform legislation, states across the country have filed lawsuits asking the courts to declare the law unconstitutional and to bar its enforcement. On Monday,Attorneys General in 13 states, led by Florida, filed a joint lawsuit claiming that the new health care reforms violate state government rights in the U.S. Constitution and will force massive new spending on hard-pressed state governments. Joining Florida in the suit are Alabama, Colorado, Idaho, Louisiana, Michigan, Nebraska, Pennsylvania, South Carolina, South Dakota, Texas, Utah and Washington.

At the same time, the Attorney General in Virginia filed a separate suit contending that Congress has exceeded its power in mandating that people buy health insurance. Virginia Attorney General Ken Cuccinelli argues that the new law’s requirement clashes with Virginia law that exempts citizens from federal fines imposed for not having health insurance.

Senate Voting to Extend COBRA Until May 5:  Senate Democrats plan another short-term extension of unemployment aid this week, setting up a face-off with Republicans, who are vowing to fight the extension if the billion cost isn’t offset with spending cuts. The bill, currently set to expire on April 5, would extend a series of emergency programs – including funding for unemployment insurance benefits and COBRA health coverage for the jobless  – and would hold off a deep cut in reimbursement rates for doctors who serve Medicare patients. The long-term extension has already passed in both the House and Senate, but the two measures are not expected to be reconciled and sent to the President’s desk until after the Easter recess.

President Obama Heads to Iowa to Speak on Health Care: President Obama headed to Iowa on Thursday to increase support for his health care legislation. This was President Obama’sfirst trip out ofWashington since signing health care reform legislation earlier this week. He spoke at the University of Iowa, in the city where he first announced his health care proposal during the Presidential campaign.

Public Opinion

Most Americans Want Republicans to Fight Health Care Reform Bill: In a recent CBS News poll, 62 percent of Americans said they want congressional Republicans to continue challenging the bill, while 33 percent said they should not. Disapproval of the bill has remained steady, with 46 percent saying they disapprove, including 32 percent who “strongly” disapprove. A majority of Americans continue to say that they find the bill to be confusing and do not understand what it means for them or their family.

American’s Split on Health Care Reform Passage: In a recent USA Today/Gallup poll, 42 percent of Americans said they were angry or disappointed with the recent passage of health care reform legislation. When asked to reveal party affiliation, 79 percent identified themselves as Republicans.

Polling Shows Support for State Lawsuits Against Government: National polling reveals significant opposition to the individual mandate. In a newly released Rasmussen report , 53 percent of those polled oppose the new mandate requiring every American to buy or obtain health insurance. Further, 49 percent of voters are in favor of their state suing the federal government to fight the mandate. Fifty-one percent say individual states should have the right to opt out of the health care plan entirely.

Looking Ahead

After this week’s final health care reform vote, President Obama plans to travel the country in the next few months to discuss the new law. Republicans have begun their own discussions of the law, with an eye towards the November elections.

Author Resource. Easy To Insure ME http://www.easytoinsureme.com

New Car Insurance ad from moneysupermarket feat. Nigel Mansell and Omid Djalili.
Video Rating: 5 / 5

Eerste Nationaal Vrouwen Assurantie Kantoor / First Dutch Women Insurance Company


Image by Nationaal Archief
Spaarnestad Photo, SFA001009475
Kantoor van de ENVAK (Eerste Nationaal Vrouwen Assurantie Kantoor), Nederland, Den Haag, 1914.

Office of the first Dutch National Women Insurance Company in The Hague. The Netherlands, 1914.

Make Sure that Your Car Insurance Company Gets Honored

However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.

To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.

More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.

When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.

Small Business Insurance www.insurantz.com Are you investigating business insurance for your small business? This video from http gives you a helpful and straightforward run down of all important points to consider when searching for small business insurance policies. It includes concise explanations of mandatory policies such as employers liability insurance and central options to consider such as public liability insurance and business contents insurance. Insurantz.com are specialists in tailored commercial and small business insurance solutions, so whatever business you are in, they can help you find the right insurance policy for your individual business needs first time. Small Busines Insurance
Video Rating: 4 / 5

Insurance Company Calendar


Image by C. K. Hartman
Hard-to-find old-school insurance company calendar from P.J. Woods & Co. in Peabody, Massachusetts. Red-letter days, moon phases complete with man-in-the-moon facial features, and Farmer’s-Almanac-type weather forecasts at the bottom.

What Is Commercial Insurance?

Are you new in business? Or perhaps have been running it for years? Whether it’s a new one or already existing, you need to make sure you know how to protect it. If accidents happen, are you ready? Are you protected?

Commercial insurance is an important protection from theft, property damage and liability. It is your protection against large out-of-pocket expenses. It also provides coverage for business interruption and employee injuries.

There are a lot of types of insurance yet here are the most popular ones: Property insurance, general liability and worker’s compensation. Get to know more about these common types to ensure that the business you’ve started to grow will be protected.

Property insurance pays for losses or damages to real or personal property. It protects against physical damage or loss in the case of theft or other catastrophes. An example, property insurance would cover fire damage to your office space or business. It would also cover damage as a result from earthquakes floods or demolition.

Although it is not limited to these damages, you can also get additional coverage that would suit your growing business needs. These are additional coverage for your business property: Boiler and machinery insurance, debris removal insurance, builders risk insurance, glass insurance, business interruption coverage, ordinance or law insurance, tenant’s coverage, crime insurance and fidelity bonds.

Boiler and Machinery insurance is also known as equipment breakdown or mechanical breakdown coverage. It provides coverage for the accidental breakdown boilers, machinery and equipment. With this kind of coverage you can get reimbursed for property damage and business interruption losses.

Debris removal insurance is exactly what you think it is. It covers for the cost of removing the debris after a fire, flood, earthquake or windstorm. Your regular property insurance may cover for the costs of the rebuilding, but not for the removal of the debris.

Builders risk insurance will cover buildings while it’s on the construction phase. Glass insurance would cover broken store windows and plate glass windows.

Business interruption coverage covers losses that result from property damage or loss. This insurance would pay for salaries, taxes, rents and net profits that would have been earned during the time it was closed.

Ordinance or Law insurance covers any demolition and rebuilding costs if your business comes into violation of code when your building (about 50%) has been destroyed. Tenant’s coverage would cover negligence on the part of your employees on your property.

Crime insurance on the other hand, would cover theft, burglary and robbery of money, securities, stocks and fixtures from employees and outsiders. Fidelity bonds would cover losses due to an employee’s theft of business property and money.

We also have liability insurance. This covers injuries that you cause to third parties. If somebody sues you for personal injury or property damage, this type of insurance will cover you for the cost of defending and resolving the suit that may arise.

There are 4 specialized kinds of liability insurance. They are as follows: Errors and omissions insurance, malpractice insurance or professional liability insurance, automobile insurance and directors and officers’ liability insurance.

Errors and omissions insurance is covered when the act is an accidental error and not just because of poor judgment or intentional acts. Malpractice insurance is commonly known as professional liability insurance, will pay for losses resulting from injuries to third parties when a professional’s treatment falls below the profession’s standard of care.

Commercial automobile insurance covers the cars, vans, trucks and trailers u [removed][removed] sed in your business. This covers damage, theft or if the driver injures a person or damages a property. Directors and officers liability coverage covers any lawsuit against the directors and officers of a company. 

Lastly, there is the workers’ compensation insurance. This covers you for your employees on the job accidents or even death. Some state laws require businesses with employees to carry some type of workers’ compensation insurance. Most of the time, workers comp prohibit the employee from bring a negligence lawsuit against an employer for work-related injuries.

If you would like to take care of your business, make sure that you are covered. Whether its property, general liability or workers compensation insurance. Business and commercial insurance go hand in hand as this is a necessary investment for you and your company. It is also important to know the insurance agent or broker that you can depend on when these trying times arise. Just like any business transaction, buying commercial insurance should be done with care. Check the insurance company or broker if they’re registered with the Better Business Bureau. If they’re graded A+, the better you can rely on them.

What happens when figure skater takes the ice…the hockey ice

NJ – Newark: Firemen’s Insurance Company Building


Image by wallyg
The Firemen’s Insurance Company Building, at 10 Park Place, was built in 1928 by Marvis, Davis & Turton. At the time of its completion, it was the tallest building in the State of New Jersey at sixteen-stories and 205-feet high. The facade is of Dover marble, and the rear is covered with enameled brick and terrazza finish.

New Jersey State Register (1982)
National Register #82003273

Auto Insurance Of Las Vegas – Las Vegas Auto Coverage

Las Vegas Auto Insurance Quote can be acquired through one of the most efficient ways. It isthrough procuring multiple automobile insurance quotes from insurers and also getting hold of some high-quality, competent and conversant online agents to aid with the quote and premium. They provide hassles free automobile Insurance Quote from any local automobile Las Vegas Car Insurance company. The information on various quotes of Las Vegas Auto Insurance companies can be received from websites where one can enter the vehicle information and driving record and then receive an instant quote.

Proper discussion between the Vegas Auto Insurance providers and the customer help in attaining a low cost automobile insurance. Various questions related to the auto like the various parts, alarm system, anti lock brakes, air bags or daytime running lights etc., should be cleared before taking thecar insurancecoverage. Automobile owners in Las Vegas should research about different insurance quotes and then after comparing the various quotes the final one along with the premium should be decided.

While full coverage Las Vegas Auto Insurance is usually recommended and in many cases required for financing a vehicle, some owners only maintain liability insurance which handles claims against the policy holder. A wide-ranging Las Vegas Car Insurance insures for various except collision. Full coverage automobile insurance includes liability, collision and comprehensive coverage.

Auto Insurance of Las Vegas can assist car owners regarding theircar insurance.These professionals provide Las Vegas Car Insurance coverage to automobile owners in Las Vegas and have been doing so for many years. Being local affords them the privilege of ascertaining the exact details of the marketfor such auto insurance, the environment and common issues that the car owners in Las Vegas experience. They have qualified and knowledgeable Las Vegas Auto Insurance agents to assist customers with their quote and premium.

A clever “Two Ronnies” skit, probably written by Ronnie Barker himself. He does a good impersonation of an Anglo-Orthodox Jew.

Pan American Life Insurance Company


Image by regional.modernism
Pan American Life Insurance Company
1952
Skidmore, Owings and Merrill; Claude E. Hooton
2400 Canal St New Orleans, LA
29.963208-90.084213
photo: trevor meeks

www.pbs.org insurance companies vs. Michael Moore. Bill Moyers interviews former health insurance industry executive Wendell Potter, who left the field after almost 20 years to become a health reform advocate. Check out Potters take on the campaign against Michael Moores film Sicko and tune in to Bill Moyers Journal, Friday, July 10, 2009 at 9PM on PBS (check local listings www.pbs.org for his experiences inside the health insurance industry, their work fighting a public option, and the insurance companies close ties to Washington. The entire interview will be available after broadcast at www.pbs.org

Pan American Life Insurance Company (THREATENED)


Image by regional.modernism
Pan American Life Insurance Company
1952
Skidmore, Owings and Merrill; Claude E. Hooton
2400 Canal St New Orleans, LA
29.963208-90.084213
photo: trevor meeks

In LSU/VA footprint

Pet Insurance Vpi – Insuring Your Pet ? Why Is It Important?

Pet lovers know that their pets are an integral part of their lives and their families. Holidays and family outings are made more memorable when we take our pets along for company. It therefore becomes very painful if our pet falls ill, breaks any of its bones or needs constant medical supervision due to an illness like cancer. As the pet owner, the responsibility falls on us to get the best veterinary care and bear the costs associated with the treatments.

Advancements in veterinary science have made all kinds of treatments possible to cure your pets. At the same time this technology demands compensation in the form of thousands of dollars. In such a situation what you need is pet insurance. Pet insurance guarantees that the medical expenses incurred on your pets is met by the insurance company partly or in whole. Some pet insurance policies also cover annual pet checkups and immunizations. It all depends on the type of policy you select. Insurance costs can begin as low as with incident costs being in the range of around .

The top reasons to go in for pet insurance are:

• Bears the cost of medical expenses – Needless to say, that this is the primary objective of pet insurance. You have insurance to fall back on when you take your pet to the vet. All pet insurance policies can be used at any registered vet’s clinic. So you need not compromise by taking your pet to any clinic. You can visit your own vet and be at peace.

• Insuring multiple pets – Most pet insurance companies give you a discount if you have more than one pet and give you a package insurance deal. This not only brings down the cost of maintaining and taking care of your pets but also saves you thousands of dollars in pet medical expenses

• Taking care of tomorrow – As time passes, your pet becomes older and prone to more illnesses. Pet insurance comes handy in such a situation. Getting your pet insured when it is very young ensures coverage for accidents and diseases which may occur at a later stage.

• Inflation shield – Pet insurance acts as a shield due to rising prices in the economy. Medical expenses which may seem affordable now will look enormous after a couple of years. The years gone by will also bring your pet closer to you and you would not want to lose it when it is ill and old just because you cannot meet its medical expenses.

• Peace of mind – Pet insurance gives you the peace you always sought when you bought your first pet and wondered how you will deal with any medical emergencies that may arise when your pet needs medical care or taking care of the vaccinations and checkups. Pet insurance makes having a pet more affordable and truly keeps your pet protected for a rainy day.
So if you are one of those pet owners who really love your pet and want to take care of them till the very end, pet insurance is an attractive and affordable solution.

The President delivers an address to a joint session of Congress, explaining just how he wants to bring peace of mind to Americans who have insurance, and affordable coverage to those who don’t. September 9, 2009. (Public Domain)
Video Rating: 4 / 5