PREVIEW Claims Handling Law and Practice
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Annual Report 2010
Annual Report 2010 Zurich Insurance Group 12945.indd UG4 28.04.2011 09:41:31 About Zurich Zurich is one of the world’s largest insurance groups, and one of the few to operate on a truly global basis. Our mission is to help our customers understand and protect themselves from risk. With over 60,000 employees serving customers in more than 170 countries, we aspire to become the best global insurer as measured by our shareholders, customers and employees. Zurich Insurance Group Annual Report 2010 1 Operating and fi nancial review 2 Financial highlights 2 Risk review 14 Consolidated fi nancial statements 46 Consolidated income statements 47 Consolidated balance sheets 50 Consolidated statements of cash fl ows 52 Consolidated statements of changes in equity 54 Report of the Zurich Insurance Group auditors 155 Signifi cant subsidiaries 156 Financial statements – statutory accounts 160 Report of the statutory auditor 176 Key data of Zurich Insurance Company Ltd 178 Zurich Insurance Group 12490.indd 1 27.04.2011 18:14:17 2 Financial information Annual Report 2010 Zurich Insurance Group Operating and fi nancial review Zurich Insurance Company Ltd (ZIC) and its subsidiaries (collectively the “Zurich Insurance Group”) are an insurance based fi nancial services provider with a global network. The Zurich Insurance Group also distributes non-insurance products such as mutual funds, mortgages and other fi nancial services products from selected third-party providers. The Zurich Insurance Group operates mainly in Europe, the United States, Latin America and Asia-Pacifi c through subsidiaries, branch offi ces and representations. The information contained within the Operating and fi nancial review is unaudited. -
Part VII Transfers Pursuant to the UK Financial Services and Markets Act 2000
PART VII TRANSFERS EFFECTED PURSUANT TO THE UK FINANCIAL SERVICES AND MARKETS ACT 2000 www.sidley.com/partvii Sidley Austin LLP, London is able to provide legal advice in relation to insurance business transfer schemes under Part VII of the UK Financial Services and Markets Act 2000 (“FSMA”). This service extends to advising upon the applicability of FSMA to particular transfers (including transfers involving insurance business domiciled outside the UK), advising parties to transfers as well as those affected by them including reinsurers, liaising with the FSA and policyholders, and obtaining sanction of the transfer in the English High Court. For more information on Part VII transfers, please contact: Martin Membery at [email protected] or telephone + 44 (0) 20 7360 3614. If you would like details of a Part VII transfer added to this website, please email Martin Membery at the address above. Disclaimer for Part VII Transfers Web Page The information contained in the following tables contained in this webpage (the “Information”) has been collated by Sidley Austin LLP, London (together with Sidley Austin LLP, the “Firm”) using publicly-available sources. The Information is not intended to be, and does not constitute, legal advice. The posting of the Information onto the Firm's website is not intended by the Firm as an offer to provide legal advice or any other services to any person accessing the Firm's website; nor does it constitute an offer by the Firm to enter into any contractual relationship. The accessing of the Information by any person will not give rise to any lawyer-client relationship, or any contractual relationship, between that person and the Firm. -
New Realities Risks in the Virtual World 2
Emerging Risk Report 2018 Technology New realities Risks in the virtual world 2 Lloyd’s disclaimer About the author This report has been co-produced by Lloyd's and Amelia Kallman is a leading London futurist, speaker, Amelia Kallman for general information purposes only. and author. As an innovation and technology While care has been taken in gathering the data and communicator, Amelia regularly writes, consults, and preparing the report Lloyd's does not make any speaks on the impact of new technologies on the future representations or warranties as to its accuracy or of business and our lives. She is an expert on the completeness and expressly excludes to the maximum emerging risks of The New Realities (VR-AR-MR), and extent permitted by law all those that might otherwise also specialises in the future of retail. be implied. Coming from a theatrical background, Amelia started Lloyd's accepts no responsibility or liability for any loss her tech career by chance in 2013 at a creative or damage of any nature occasioned to any person as a technology agency where she worked her way up to result of acting or refraining from acting as a result of, or become their Global Head of Innovation. She opened, in reliance on, any statement, fact, figure or expression operated and curated innovation lounges in both of opinion or belief contained in this report. This report London and Dubai, working with start-ups and corporate does not constitute advice of any kind. clients to develop connections and future-proof strategies. Today she continues to discover and bring © Lloyd’s 2018 attention to cutting-edge start-ups, regularly curating All rights reserved events for WIRED UK. -
IITM Journal of Business Studies (JBS) 2020
Volume 7 Issue 1 January - December 2020 ISSN 2393-9451 Contents 1. An Appraisal Of Prominent Green Marketing 3-13 Communication Themes As Part Of Green marketing Strategies 2. A Study On Impact Of Nursing Staff Turnover On Hospital 14-27 Efficiency At A Trust-Based Hospital, Vadodara 3. A Study On The Importance Of Black Swans And Var 28-39 4. An HR Manager Confronting Challenge Of Change 40-52 (Case Study On Employee Attendance Management) 5. Job Satisfaction Among Employees With Chronic Illness And 53-65 Resultant Work Disability: Effect Of Employer Related Variables 6. Blockchain Solution For Third Party Administrator Process 66-70 In Health Insurance Medical Claims 7. Cluster Development Of MSME Sector In India: 71-76 An Inter-State Analysis 8. Shareholders’ Value Creation In The Sun Pharma-Ranbaxy 77-86 Merger: An Event Study 9. Efficiency Of Indian Stock Market- A Study Of Existence Of 87-98 Arbitrage Gains Through Put Call Parity 10. Electronic Word Of Mouth And Eloquence: 99-104 An Analysis Of Reviews In Hospitality Sector IITM Journal of Business Studies 1 Volume 7 Issue 1 January - December 2020 ISSN 2393-9451 11. Employee Participation In Decision Making And 105-117 Employee Job Satisfaction: The Moderating Role Of Emotional Intelligence 12. Evolving A Pshycometric Instrument To Measure 118-126 Work Life Balance 13. Financial Literacy Leads To Development: 127-140 Mediating Role Of Financial Inclusion, An Empirical Study 14. Flu-Conomics And Its Impact Globally With Special 141-148 Study How To Overstrip From This Grim For India 15. GDS Xerox: Addressing The Right Segment 149-154 16. -
COVID-19 What Will It Mean for the Future of Risk? January 2021 Foreword
COVID-19 What will it mean for the future of risk? January 2021 Foreword As the saying goes, “everyone has a plan until they get punched in the face”. This 3 sums up the way many businesses and households were feeling in 2020, living and working in the midst of a global pandemic. Now, as we usher in 2021, business Contents leaders can expect further COVID-related issues that they will need to consider. 3 Foreword Navigating the COVID-19 risk landscape pandemics have almost certainly joined the list of other 4 Introduction: living in the shadow of a global pandemic systemic risks, like terrorism and secondary perils from Even as the world prepares to continue to roll-out COVID-19 climate change such as flooding. Such risks will redefine 6 Executive summary: post-COVID emerging risks vaccines, social distancing will continue for the foreseeable public-private relationships. It cannot be assumed future, as will the potential for further business interruptions. that the industry will be able to bear the risk of future 10 Part 1: New cyber threats in an accelerated digital age Businesses must remain agile not only in addressing the pandemics itself. business risks which have already materialised during 2020, 16 Part 2: Less oversight and support – the realities of remote working but they must also look ahead in anticipating new and In helping business leaders to meet the post-COVID emerging risk pools as a result of COVID-19. 20 Part 3: Health and safety issues for home workers challenges, the insurance industry will have to review product features across a wide range of business lines to reflect the 28 Part 4: A long-term reconfiguration of commuting habits This report focusses on the important task of looking at the changing landscape of COVID-19 related risks. -
Directory of the European Commission
Directory of the European Commission 16 JUNE 1994 Directory of the European Commission 16 JUNE 1994 Cataloguing data can be found at the end of this publication The information in the Directory was correct at the time of going to press but is liable to change Luxembourg: Office for Official Publications of the European Communities, 1994 ISBN 92-826-8491-1 Reproduction is authorized, except for commercial purposes, provided the source is acknowledged. Printed in Belgium Contents 5 The Commission Special responsibilities of the Members of the Commission 7 11 Secretarial-General of the Commission 17 — Forward Studies Unit 19 Inspectorate-General 21 Legal Service 23 Spokesman's Service 25 Joint Interpreting and Conference Service 27 Statistical Office 31 Translation Service 37 Informatics Directorate 39 Security Office Directorates-General 41 DG I — External Economic Relations 49 DG IA — External Political Relations 53 TFE — Enlargement Task Force 55 DG H — Economic and Financial Affairs 59 DG III — Industry 65 DG IV — Competition 69 DG V — Employment. Industrial Relations and Social Affairs 73 DG VI — Agriculture 79 — Veterinary and Phytosanitary Office 81 DG VII — Transport 83 DG VIII — Development 3 DG IX — Personnel and Administration 89 DG X — Audiovisual .Media, Information, Communication and Culture 93 DG XI — Environment, Nuclear Safety and Civil Protection 97 DG XII — Science, Research and Development 99 — Joint Research Centre 105 DG XIII — Telecommunications, Information Market and Exploitation of Research 111 DGXIV —Fisheries 117 DG XV —Internal Market and Financial Services 121 DG XVI — Regional Policies 125 DG XVII — Energy 129 DG XVIII—Credit and Investments 133 DGXIX —Budgets 135 DG XX — Financial Control 137 DG XXI — Customs and Indirect Taxation 141 DG XXIII— Enterprise Policy, Distributive Trades, Tourism and Cooperatives 143 Consumer Policy Service 145 Task Force for Human Resources. -
WORKPLACE ISSUES and COVID-19 in ASIA-PACIFIC March 2020
WORKPLACE ISSUES AND COVID-19 IN ASIA-PACIFIC March 2020 Workplace Issues and COVID-19 in Asia-Pacific March 2020 Introduction The World Organisation (WHO) has now upgraded the status of the Covid-19 outbreak from epidemic to pandemic. It is a global health threat and is causing unprecedented disruption. Although many companies have business continuity plans in place, very few of these address the specific employment issues arising out of an outbreak of a virus like COVID-19 which appears to be highly contagious but generally symptomless early in the infection stage. This raises numerous workplace issues including: ▪ refusal to attend work ▪ enforced working from home ▪ sickness benefits during self-isolation ▪ workplace health and safety ▪ data privacy and confidentiality ▪ business travel restrictions ▪ discrimination Most countries now have mandatory quarantine requirements in place for anyone testing positive for the virus. Many governments are going further and imposing self-isolation or quarantine requirements for incoming travellers (irrespective of where they have travelled from) and restricting non-citizens / residents from entering their country. The public has have been advised not to travel unless it is essential. Many offices and business, particularly those in high risk jurisdictions, including Mainland China, Hong Kong and Singapore, have already introduced voluntary infection control measures such as requiring any employee who may have been exposed to anyone confirmed as having the virus, to work from home. However, even for those already making plans it appears that the spread of the virus is likely to outpace those preparations and employers need to be flexible and be prepared to react to the situation which is developing at an alarming pace. -
In Search of the Amazon: Brazil, the United States, and the Nature of A
IN SEARCH OF THE AMAZON AMERICAN ENCOUNTERS/GLOBAL INTERACTIONS A series edited by Gilbert M. Joseph and Emily S. Rosenberg This series aims to stimulate critical perspectives and fresh interpretive frameworks for scholarship on the history of the imposing global pres- ence of the United States. Its primary concerns include the deployment and contestation of power, the construction and deconstruction of cul- tural and political borders, the fluid meanings of intercultural encoun- ters, and the complex interplay between the global and the local. American Encounters seeks to strengthen dialogue and collaboration between histo- rians of U.S. international relations and area studies specialists. The series encourages scholarship based on multiarchival historical research. At the same time, it supports a recognition of the represen- tational character of all stories about the past and promotes critical in- quiry into issues of subjectivity and narrative. In the process, American Encounters strives to understand the context in which meanings related to nations, cultures, and political economy are continually produced, chal- lenged, and reshaped. IN SEARCH OF THE AMAzon BRAZIL, THE UNITED STATES, AND THE NATURE OF A REGION SETH GARFIELD Duke University Press Durham and London 2013 © 2013 Duke University Press All rights reserved Printed in the United States of America on acid- free paper ♾ Designed by Heather Hensley Typeset in Scala by Tseng Information Systems, Inc. Library of Congress Cataloging-in - Publication Data Garfield, Seth. In search of the Amazon : Brazil, the United States, and the nature of a region / Seth Garfield. pages cm—(American encounters/global interactions) Includes bibliographical references and index. -
We Make a Difference
We make a difference Join our trainee recruitment programme Our work – a global practice Kennedys is a truly global firm, with offices in the Americas, Asia Pacific, Europe and the Middle East. This gives trainees the possibility of completing secondments in different offices within our global network. Such secondment opportunities also continue on qualification as a Solicitor at Kennedys. Despite our large global presence, the Hong Kong office, established in February 2000, remains crucial for our continued growth, being well placed to cross-refer and manage work across Kennedys’ global network. Our experienced litigation teams handle all aspects of dispute resolution work with a focus on the insurance industry, including financial lines and professional negligence, as well as cross-jurisdictional litigation, white collar crime and regulatory investigations. Join our trainee We are one of the leading litigation firms in Hong Kong and the majority of our partners are dedicated to the conduct and resolution of disputes, whether recruitment programme by negotiation, litigation, arbitration or mediation. We have a leading healthcare practice handling medical negligence and disciplinary investigations, as well as aviation and casualty/liability teams and an established corporate practice, including employment and commercial law specialists. Kennedys is a vibrant practice. The firm has expanded considerably over the last 10 years, largely as a result of organic growth and lateral hires made to strengthen key areas of expertise. Our culture is one where partners work collaboratively with each other and where we undertake work because we enjoy it. We live by our core values, namely that we are approachable, supportive, straightforward and distinctive. -
Investment in Apartheid: List of Companies with Investment and Interests in South Africa
Investment in Apartheid: List of companies with investment and interests in South Africa http://www.aluka.org/action/showMetadata?doi=10.5555/AL.SFF.DOCUMENT.nuun1978_14 Use of the Aluka digital library is subject to Aluka’s Terms and Conditions, available at http://www.aluka.org/page/about/termsConditions.jsp. By using Aluka, you agree that you have read and will abide by the Terms and Conditions. Among other things, the Terms and Conditions provide that the content in the Aluka digital library is only for personal, non-commercial use by authorized users of Aluka in connection with research, scholarship, and education. The content in the Aluka digital library is subject to copyright, with the exception of certain governmental works and very old materials that may be in the public domain under applicable law. Permission must be sought from Aluka and/or the applicable copyright holder in connection with any duplication or distribution of these materials where required by applicable law. Aluka is a not-for-profit initiative dedicated to creating and preserving a digital archive of materials about and from the developing world. For more information about Aluka, please see http://www.aluka.org Investment in Apartheid: List of companies with investment and interests in South Africa Alternative title Notes and Documents - United Nations Centre Against ApartheidNo. 14/78 Author/Creator United Nations Centre against Apartheid; International Confederation of Free Trade Unions Publisher United Nations, New York Date 1978-06-00 Resource type Reports Language English Subject Coverage (spatial) South Africa Coverage (temporal) 1978 Source Northwestern University Libraries Description This issue containing the updated list of companies with investment and interests in South Africa, compiled by the International Confederation of Free Trade Unions (ICFTU), is published at the request of the Special Committee against Apartheid. -
Business Groups Exist in Developed Markets Also: Britain Since 1850
Business Groups Exist in Developed Markets Also: Britain since 1850 Geoffrey Jones Working Paper 16-066 Business Groups Exist in Developed Markets Also: Britain Since 1850 Geoffrey Jones Harvard Business School Working Paper 16-066 Copyright © 2015 by Geoffrey Jones Working papers are in draft form. This working paper is distributed for purposes of comment and discussion only. It may not be reproduced without permission of the copyright holder. Copies of working papers are available from the author. Business groups exist in developed markets also: Britain since 1850 Geoffrey Jones Harvard Business School November 2015 Abstract Diversified business groups are well-known phenomenon in emerging markets, both today and historically. This is often explained by the prevalence of institutional voids or the nature of government-business relations. It is typically assumed that such groups were much less common in developed economies, and largely disappeared during the twentieth century. This working paper contests this assumption with evidence from Britain between 1850 and the present day. During the nineteenth century merchant houses established business groups with diversified portfolio and pyramidal structures overseas, primarily in developing countries, both colonial and independent. In the domestic economy, large single product firms became the norm, which over time merged into large combines with significant market power. This reflected a business system in which a close relationship between finance and industry was discouraged, but were there few restrictions on the transfer of corporate ownership. Yet large diversified business groups did emerge, which had private or closely held shareholding and substantial international businesses. The working paper argues that diversified business groups added value in mature markets such as Britain. -
S.No Reg. No Company Name 1 2 AHMEDABAD MANUFACTURING and CALICO PRINTING CO
LIST OF DEFAULTING COMPANIES IN GUJRAT S.No Reg. No Company_Name 1 2 AHMEDABAD MANUFACTURING AND CALICO PRINTING CO. LTD. 2 3 GUJARAT GINNING & MFG CO.LIMITED. 3 7 THE ARYODAYA SPG & WVG.CO.LIMITED. 4 8 40817HCHOWK & AHMEDABAD MFG CO.LIMITED. 5 9 RAJNAGAR SPG & WVG MFG.CO.LIMITED. 6 10 HMEDABAD COTTON MFG. CO.LIMITED. 7 12 12DISPLAY STATUSSTEEL INDUSTRIES PVT. LTD. 8 18 ISHWER COTTON G.N.& PRES.CO.LIMITED. 9 22 THE AHMEDABAD NEW COTTON MILLS CO.LIMITED. 10 25 BHARAT KHAND TEXTILE MANUFACTURING CO LTD 11 27 HIMABHAI MANUFACTURING CO LTD 12 29 JEHANGIR VAKIL MILLS CO PVT LTD 13 30 GUJARAT OIL MILL & MFG CO LTD 14 31 RUSTOMJI MANGALDAS & COMPANY LTD 15 34 FINE KNITTING CO LTD 16 40 AHMEDABAD LAXMI COTTON MILLS CO.LIMITED. 17 42 AHMEDABAD KAISER-I-HIND MILLS CO LTD 18 45 AHMEDABAD NEW TEXTILE MILS CO LTD 19 47 SHRI VIVEKANAND MILLS LTD 20 49 MARSDEN SPINNING & MANUFACTURING CO LTD 21 50 ASHOKA MILLS LTD. 22 54 AHMEDABAD CYCLE & MOTORS TRADING CO PVT LTD 23 68 SHRI AMRUTA MILLS LTD 24 78 VIJAY MILLS CO LTD 25 79 SHRI ARBUDA MILLS LTD. 26 81 DHARWAR ELECTRICAL INDUSTRIES LTD 27 85 ANANTA MILLS LTD 28 87 BHIKABHAI JIVABHAI & CO PVT LTD 29 89 J R VAKHARIA & SONS PVT LTD 30 99 BIHARI MILLS LIMITED 31 101 ROHIT MILLS LTD 32 106 AHMEDABAD FIBRE-SALES & SUPPLIES LTD 33 107 GUJARAT PAPER MILLS LTD 34 109 IDEAL MOTORS LTD 35 110 MODEL THEATRES PVT LTD 36 115 HIMATLAL MOTILAL & CO LTD.(IN LIQ.) 37 116 RAMANLAL KANAIYALAL & CO LTD.(LIQ).