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Index Abraham, K.S. 133 Beck, Ulrich 129 absorbing risk 133 behavioral anomalies 6, 84–9, 243–4 actuarial estimation 109–10 behavior-control functions 106 ad hoc Beijing Normal University 90, 189, assistance 196 235 compensation tool 45 Ben-Shahar, Omri 134 direct payment 40, 169, 207 Biggert-Waters Flood Insurance institutions 30 Reform Act of 2012 69, 152 relief 71, 97 Bruggeman, Véronique 95 adaptation 253 business interruption 104 and climate change 103, 164 adverse selection 5, 13, 47, 54, 66–8, California Earthquake Authority 55, 75, 81–2, 97, 99, 111, 127, 140, 142 162, 246 capacity (of insurers) 6–8, 11, 19, 30, AES v Steadfast 116–19 53, 63–6, 82–4, 89–91, 96, 113, agricultural insurance 122–3, 126, 136, 152, 161–2 173, government-subsidized 50 176, 179–80, 217, 222, 225, 227–8, pilot projects 49 242–3, 249–52 policies 49, 50 and reinsurance 199, 206–8, 215 Regulation on Agriculture Insurance capacity gap 82, 228, 242, 252 50, 94 capital markets 11, 53, 54, 59, 64–5, aircraft insurance 110 212, 217–8, 221, 226–40 all-hazard insurance policy 245 Caribbean Catastrophe Risk Insurance Alternative Risk Transfers (ARTs) 217, Facility 60 221, 236 catastrophe (cat) bonds 3, 113, 182, ambiguity of risk 112–13 212 217–40 see also uncertainty see also insurance-linked securities, American International Group (AIG) insurance securitization 1, 104 catastrophe derivatives 182, 221–2 “appetite” of insurers 84 catastrophe disasters 5, 8, 12–6, 72, 74, Arrow, Kenneth 35 92, 102, 155, 171–3, 255–6 asbestos claims 108–9 see also natural catastrophes assessment insurance 110 catastrophe fund 142, 210–12, 254 asset-backed securitization 237 catastrophe insurance 6, 8–11, 13–4, Association of British Insurers (ABI) 44, 73, 80, 89–99, 103, 105, 108, 148, 149 112–14, 121–8, 129–175, 208–9, authoritarian regime 7, 33 212–5, 216 availability crisis 52 affordability 63, 66, 69–70, 125, 127–8 174, 206, 250, 256 Baker, Tom 133, 134 demand 84–9, 92–3 Barry, D. -
Auto –Accidents - What Is “No-Fault” Insurance?
AUTO –ACCIDENTS - WHAT IS “NO-FAULT” INSURANCE? If you are injured in a car accident who pays your medical bills? Believe it or not, your medical insurance carrier does not have the primary responsibility to pay your medical bills for injuries sustained in an automobile accident - The applicable automobile insurance carrier does. But remember, if your injuries or above a certain threshold you can still sue the person who cause your injuries for money damages above what the applicable automobile insurance carrier provides. In New York State each automobile insurance policy must provide coverage known as Personal Injury Protection (“PIP”) and typically referred to a “No-Fault” insurance. Medical bills, some or all of the injured party’s lost wages and other expenses are paid from this portion of the policy, whether or not the injured party caused the accident. So if were in a car accident driving your own vehicle and you are injured as a result of another person's negligence, the no-fault portion of your automobile insurance policy will cover your medical bills to the extent that you have coverage. If your coverage runs out other insurance will kick in. The New York State Insurance Law, requires that all automobile insurance policies issued in this state contain a Personal Injury Protection (“PIP”) or “No-Fault” endorsement with a minimum of $50,000.00 in coverage. Generally speaking, this coverage extends to the driver and passengers in a covered vehicle, as well as to a pedestrian struck by the covered vehicle. The coverage “kicks in” regardless of fault in connection with an accident; under most circumstances, a covered individual will be afforded certain enumerated benefits regardless of that individual’s fault in connection with the happening of the accident. -
Using Export Companies to Expand Cooperatives' Foreign Sales
United States Department of Agriculture Using Export Companies Agricultural Cooperative Service to Expand Cooperatives’ ACS Research Report Number 52 Foreign Sales Using Export Companies to Expand Cooperatives’ Foreign Sales Arvin R. Bunker Tracey L. Kennedy Agricultural Economists Cooperative Marketing and Purchasing Division Agricultural Cooperative Service U.S. Department of Agriculture Washington, D.C. 20250 Abstract Many agricultural cooperatives can expand foreign sales by using export management companies (EMC’s). Small cooperatives may find foreign markets too costly and time consuming to penetrate without EMC help. Larger cooperatives may use EMC’s for sales in selected foreign markets or to enhance sales of particular products. Services offered by EMC’s and typical fees are discussed along with some guidelines for selecting an EMC. Key words: Export, export management company, export trading company, agricultural cooperatives, export performance. ACS Research Report 52 December 1985 Contents iv Highlights 1 Types of Companies and Definitions 2 Description of Companies 3 Typical Services Provided by Exporting Companies 4 Products Handled 5 Market Coverage 6 Fees, Margins, and Costs 7 Ownership and Financial Structure 7 Advantages of an EMC or ETC 8 Disadvantages of an EMC or ETC 9 References 10 Appendix A: Export Trading Company Act of 1982 12 Appendix B: Tax Reform Act of 1984: Foreign Sales Corporations 15 Appendix C: Quick Reference chart for FSC’s . 111 Export management companies (EMC’s) can help cooperatives expand exports. Historically, EMC’s have assisted export operations of domestic companies in two major ways. First, as a commission house the EMC finds the foreign buyer, negotiates the sales terms, prepares export documentation, and arranges ocean freight. -
Directors Guild of America, Inc. National Commercial Agreement of 2017
DIRECTORS GUILD OF AMERICA, INC. NATIONAL COMMERCIAL AGREEMENT OF 2017 TABLE OF CONTENTS Page WITNESSETH: 1 ARTICLE 1 RECOGNITION AND GUILD SHOP 1-100 RECOGNITION AND GUILD SHOP 1-101 RECOGNITION 2 1-102 GUILD SHOP 2 1-200 DEFINITIONS 1-201 COMMERCIAL OR TELEVISION COMMERCIAL 4 1-202 GEOGRAPHIC SCOPE OF AGREEMENT 5 1-300 DEFINITIONS OF EMPLOYEES RECOGNIZED 1-301 DIRECTOR 5 1-302 UNIT PRODUCTION MANAGERS 8 1-303 FIRST ASSISTANT DIRECTORS 9 1-304 SECOND ASSISTANT DIRECTORS 10 1-305 EXCLUSIVE JURISDICTION 10 ARTICLE 2 DISPUTES 2-101 DISPUTES 10 2-102 LIQUIDATED DAMAGES 11 2-103 NON-PAYMENT 11 2-104 ACCESS AND EXAMINATION OF BOOKS 11 AND RECORDS ARTICLE 3 PENSION AND HEALTH PLANS 3-101 EMPLOYER PENSION CONTRIBUTIONS 12 3-102 EMPLOYER HEALTH CONTRIBUTIONS 12 i 3-103 LOAN-OUTS 12 3-104 DEFINITION OF SALARY FOR PENSION 13 AND HEALTH CONTRIBUTIONS 3-105 REPORTING CONTRIBUTIONS 14 3-106 TRUST AGREEMENTS 15 3-107 NON-PAYMENT OF PENSION AND HEALTH 15 CONTRIBUTIONS 3-108 ACCESS AND EXAMINATION OF BOOKS 16 RECORDS 3-109 COMMERCIAL INDUSTRY ADMINISTRATIVE FUND 17 ARTICLE 4 MINIMUM SALARIES AND WORKING CONDITIONS OF DIRECTORS 4-101 MINIMUM SALARIES 18 4-102 PREPARATION TIME - DIRECTOR 18 4-103 SIXTH AND SEVENTH DAY, HOLIDAY AND 19 LAYOVER TIME 4-104 HOLIDAYS 19 4-105 SEVERANCE PAY FOR DIRECTORS 20 4-106 DIRECTOR’S PREPARATION, COMPLETION 20 AND TRAVEL TIME 4-107 STARTING DATE 21 4-108 DIRECTOR-CAMERAPERSON 21 4-109 COPY OF SPOT 21 4-110 WORK IN EXCESS OF 18 HOURS 22 4-111 PRODUCTION CENTERS 22 ARTICLE 5 STAFFING, MINIMUM SALARIES AND WORKING CONDITIONS -
AUTOMOBILE INSURANCE TOOLKIT Automobile Insurance Toolkit
Florida Department of Financial Services AUTOMOBILE INSURANCE TOOLKIT Automobile Insurance Toolkit Insurance coverage is an integral part of a solid financial foundation. Insurance can help us recover financially after illness, accidents, natural disasters or even the death of a loved one. There are a wide variety of insurance products available and choosing the correct type and amount of coverage can be a challenge. This toolkit provides information to assist you with insuring your automobile and tips for settling an automobile insurance claim. TABLE OF CONTENTS Click a title or page number to navigate to a section. 01 Coverages & Minimum Requirements - 4 Coverage Descriptions - 5 Insurance Requirements for Special Cases - 8 02 Underwriting Guidelines - 11 Underwriting Factors That Cannot Affect Your Ability to Purchase Insurance - 11 Underwriting Factors That Affect Your Insurance Policy Premium - 12 Other Factors Affecting Your Premiums - 13 Shopping for Auto Insurance - 13 03 Automobile Claims - 14 Actions to Take Before and After an Auto Accident - 14 Disputing Claim Settlements - 16 04 Shopping for Coverage Checklist - 17 01 Coverages & Minimum Requirements In Florida, vehicle owners may be required to The second type of auto insurance is outlined in the purchase two types of auto insurance. Florida Financial Responsibility Law. It requires drivers The first type of auto insurance is outlined in the who have caused accidents involving bodily injury/death Florida Motor Vehicle No-Fault Law (s. 627.736, Florida or received certain citations, to purchase bodily injury Statutes). It requires every person who registers a liability (BI) coverage with minimum limits of $10,000 vehicle in Florida to provide proof they have personal per person and $20,000 per accident, referred to as injury protection (PIP) and property damage liability split limits. -
Investigations Unveil Extent of Fraud
ESSENTIAL READING FOR TRAVEL INSURANCE INDUSTRY PROFESSIONALS WWW.ITIJ.CO.UK NOVEMBER 2011 • ISSUE 130 Investigations unveil extent of fraud Kenyan conundrum The summer holiday season has come to an end in the northern hemisphere, and with it has come more dire warnings from travel insurance Travel insurers basing their coverage decisions on companies that fraud is on the up – both from travel advice from government agencies have hit clinics treating travellers, and from travellers the headlines in the UK recently. Mandy Aitchison themselves. Sarah Watson reports on the problem looks into the issue In a recent editorial piece in Insurance Insight, The UK’s Foreign and Commonwealth Offi ce (FCO) Mike Keating of AXA Insurance explained that has advised against ‘all but essential travel to coastal the company noticed ‘a worrying trend over the areas within 150 km of the Kenya-Somalia border’. It summer’, stating that AXA’s claims department further explained: “We advise against all but essential received some excessively high medical bills as part travel to coastal areas within 150 km of the Somali of claims for treatment in Spain, Turkey, Bulgaria, border, following two attacks by armed gangs in small Egypt and sub-Saharan Africa. He added: “There boats against beach resorts in the Lamu area on 11 is evidence of overcharging, overdiagnosis and September and 1 October 2011. This advice will be over-treatment of minor problems and collusion kept under review. Both attacks were on beach-front between clinics and holidaymakers. Travellers need properties, with two Westerners kidnapped and one to be warned of the risks involved in using overseas murdered. -
A.A.A. - the American Arbitration Association
A.A.A. - The American Arbitration Association. Corporate Headquarters, E-mail: [email protected]. International Center for Dispute Resolution, E-mail: mailto:[email protected] Website: http://www.adr.org/ A.A.A. - The Association of Average Adjusters - HQS "Wellington", Temple Stairs, Victoria Embankment, London WC2R 2PN. Abandonment [Fr.: " délaissement "] [Span.: " abandono "] [Ital.: " abbandono "] [Gr.: "Abandonnierung "; "Aufgabe eines Rechtsanspruches "] - Abandonment is the giving up by the insured of the proprietary rights in insured property to the underwriter in consideration for payment of a constructive total loss (infra ) or an actual total loss (infra ). See Marine Insurance Act, 1906 (U.K.) sects. 61-63; see also Notice of abandonment (infra ). See Tetley, Int'l M. & A. L. , 2003 at p.612. Abandonment (" abandon ") is also the ancient principle of a shipowner having responsibility only up to the value of the ship and freight (infra ) (but calculated after the collision (infra )). The principle was found in the 1924 Shipowners' Limitation Convention and is still found in the U.S. Shipowners' Limitation of Liability Act , 1851, 46 U.S. Code App. 183. See Tetley, Int'l. C. of L. , 1994 at pp. 510-511, 517-518; Tetley, M.L.C. , 2 Ed., 1998 at pp. 109-110; Tetley, Int'l. M & A. L. , 2003 at pp. 20-21. "Abus de droit" - [Span.: " abuso de derecho "] [Ital.: " abuso di diritto "] [Gr.: "Rechtsmißbrauch "]- A civil law principle of abuse of right due to a flagrant act of a creditor or the possessor of a thing. See Tetley, Int'l. C. of L. , 1994 at p. -
What You Need to Know
What AutoAuto you InsuranceInsurance need to know A consumer information publication The Minnesota Department of Commerce has prepared this guide to help you better understand auto insurance. It gives you information on shopping for insurance, the different types of coverage, and a basic understanding of “no fault” coverage. The Minnesota Department of Commerce regulates insurance agents, agencies, adjusters, and companies operating in Minnesota. If they are licensed to do business in the State, they are responsible for adhering to the laws and rules that govern the industry. This guide does not list all of these regulations. If you have a question about your insurance, please contact the Department’s Consumer Response Team at 651-296-2488, or toll free 800-657-3602. Duplication of this guide is encouraged. Please feel free to copy this information and share it with others. Department of Commerce Auto Insurance can protect you from the financial costs of an accident or injury, provided you have the proper coverage. Yet many people are unclear about what their insurance policy cov- ers until it is too late. They may have difficulties settling a claim or face rate increases or termination of coverage. Auto Insurance I s ... Protection. Insurance is a way of transferring risk for a loss among a certain group of people. You, and others, pay premiums to an insurance company to be reimbursed if you have an acci- dent. The amount you can collect and under what circumstances are outlined in your policy. Required. Under most circumstances, a licensed vehicle in the state of Minnesota must have liability, personal injury protection, uninsured motorist, and underinsured motorist coverage. -
Closing the Protection Gap, Disaster Risk Financing: Smart Solutions For
Closing the protection gap Disaster risk financing: Smart solutions for the public sector Every year natural and man-made catastrophes cause a distressing loss of lives and considerable economic costs around the world. Both industrialised and developing countries are affected. Surprisingly, both are also materially underinsured. This financing gap is borne largely by the public sector, and may create long-term fiscal instability at a time when government budgets are stretched. Furthermore rating agencies are starting to take a closer look at such contingent liabilities faced by public administrations. But there are ways to alleviate both the impacts and the costs of disaster by planning ahead. Insurance plays a critical role in effective disaster risk management helping communities get back on their feet faster. This report outlines tools and approaches proven to help governments, regions and cities, as well as the constituents they represent, to become more resilient. We’re smarter together Cover images Above: Cars getting stuck on flooded streets in Fukuyama, 23 June 2016, after areas of western Japan were hit by heavy rain, causing landslides and caving in roads. Below: Emergency workers supporting the recovery after an earthquake on 25 August 2016 in Amatrice, Italy Table of contents Disaster risks are growing 2 A major strain on government budgets 4 Resilience through insurance 6 More than one way to close 12 the protection gap Benefits of sovereign and 18 sub-sovereign risk transfer Case studies 21 A single house left standing after Hurricane Ike struck Gilchrist, Texas in 2008. Disaster risks are growing The economic cost of natural catastrophes has increased markedly. -
Shipping and Incoterms
Shipping and Incoterms Practice Guide UNDP PRACTICE SERIES Shipping and Incoterms Practice Guide Graphic Design, Layout and Print Production: Phoenix Design Aid A/S, Denmark. ISO 9001/ISO 14001/OHSAS 18001 certified. Printed on: This publication is printed on certified environmentally approved paper with vegetable-based inks. The printed matter is recyclable. Contents Introduction 1 1 Shipping 2 Section 1 of these guidelines is intended for persons dealing with purchasing and shipping, but it is recommended that persons at the receiving end also read it to be more familiar with how shipping operates, its terminology and documentation. Chapter 1: Importance of Transportation and Summary 2 Chapter 2: Methods of Dispatch 2 Chapter 3: Selection of Method of Dispatch 7 Chapter 4: Packing – Markings – Addresses 8 Chapter 5: Parties Involved in the Chain of Transport Events 10 Chapter 6: Shipping Documents 11 Chapter 7: Forwarding Arrangements 14 Chapter 8: Shipping Instructions 15 Chapter 9: Distribution of Shipping Documentation 16 Chapter 10: Insurance Coverage 18 Chapter 11: Insurance Claim 21 2 Receiving 24 Section 2 will explain the steps to be taken for the withdrawal of supplies upon their arrival, and especially what to do when the consignment is not in good order. Chapter 1: Retrieval 24 Chapter 2: Receipt and Inspection 25 Chapter 3: Reporting and Claims 26 Chapter 4: Feedback and Cooperation 28 Chapter 5 Examples of Claim Letters 29 3 Terms and Glossary 34 Section 3 introduces Incoterms, UNCITRAL and contains a glossary of the most common terms used in the shipping world. Chapter 1: Incoterms 34 Chapter 2: Uncitral 44 Chapter 3: Glossary 46 UNDP Practice Series, Shipping and Incoterms, November 2008 This Practice Guide is protected by international copyright laws. -
COMMERCIAL INSURANCE PACKAGE (Applicable to Entertainment Related Risks Only)
COMMERCIAL INSURANCE PACKAGE (Applicable to entertainment related risks only) 1. Full Legal Name of company(ies) to be Insured: 2. Business Address: 3. Contact Name: Fax: Web-site: Phone: Cell: Email: Please provide CV on background experience of the principals of the company along with a company bio if you have not previously obtained coverage through our office. 4. Describe your operations: 5. Date company established: 6. Number of full time employees: 7. Do you have employee health/ benefits plan? Yes No 8. Previous Insurer: Expiry Date: Have there been any losses in the last 5 years? Yes No If yes, how many and please provide details: 9. Has any form of insurance been declined or cancelled? Yes No 10. General Information: explain all “yes” responses below (a) Is equipment loaned or rented to others with/without operators Yes No (b) If you responded yes above, do they provide certificates of insurance Yes No (c) Is post production work done for others Yes No (d) Does applicant travel out of country with equipment Yes No (e) Are any repairs and/or installations done away from the premises Yes No (f) Are sub-contractors used Yes No (g) If yes, is proof of insurance obtained Yes No Explain in detail all “yes” answers in section 10: August ‘-09 Front Row Insurance Brokers Inc. T 604-684-FILM (3456) Toll Free: 1-866-690-3456 COMMERCIAL PACKAGE 604 – 1200 Burrard Street F 604-684-3437 Vancouver BC V6Z 2C7 Initial 1 PROPERTY INFORMATION . 11. Location Address: owned: rented: square Feet: no. of stories: CONSTRUCTION Fire Resistive masonry -
2020-2022 What-Comm Guild Public Safety Dispatch (PDF)
2020-2022 AGREEMENT Between THE CITY OF BELLINGHAM, WASHINGTON And THE WHAT-COMM DISPATCHERS GUILD INDEX Article 1: Recognition ......................................................................................... 1 Article 2: Guild Security ..................................................................................... 1 Article 3: Management Rights............................................................................ 1 Article 4: Non-Discrimination............................................................................. 2 Article 5: Duty To Bargain .................................................................................. 2 Article 6: Labor Management Committee ......................................................... 3 Article 7: Definitions ........................................................................................... 3 Article 8: Master Dispatcher Program ............................................................... 4 Article 9: Job Share Program............................................................................. 6 Article 10: Quality Assurance Program ............................................................ 9 Article 11: Hours Of Work And Working Conditions ..................................... 10 Article 12: Overtime And Compensatory Time ............................................... 13 Article 13: Involuntary Recall To Duty ............................................................ 16 Article 14: Shift Rotation Bidding And Vacation Bidding ............................