In general, insurance is a highly regulated financial product. Every state requires licenses for insurance companies, and most states closely regulate both company conduct and the details of the particular insurance products sold in the state. This regulation is usually seen as important for consumer protection; however, it also creates barriers to entry in the insurance market and typically reduces to some degree the supply of insurance that is available to consumers. Rather than requiring consumers who may be unable to find insurance from a licensed insurer to simply go without insurance, states have allowed consumers to purchase insurance from non-licensed insurers, commonly called non-admitted or surplus lines insurers. Although any sort of insurance could be sold by a surplus lines insurer, most such transactions tend to be for rarer and more exceptional property and casualty risks, such as art and antiques, hazardous materials, natural disasters, amusement parks, and environmental or pollution risks. This book discusses surplus lines insurance, and property and casualty insurance.

Managing Risk: A Guide for Physicians and Practices is one component of Daktori's Financial Fellowship Program and is approved for up to 7.5 hours of Category I Continuing Medical Education (CME) credits in all states for all specialties. The monograph helps physicians avoid liability traps arising from casual events that meet the legal definition of the doctor-patient relationship, contribution to diagnosis, miscommunication with patients and staff, poor layout of the office (especially high risk communication areas), drug therapy dangers, and non-medical liability risks for the practicing physician. Additional sections have been added on HIPAA risks, telemedicine liability and more. Free Daktori newsletter subscription (register at www.daktori.com/contact) and complimentary consultation with one of the authors also included with purchase. If continuing education credit is desired, please see included instructions.

Save $3,000 every year on the insurance you really need. Use our "tricks of the trade" to beat your agent's rates. Create a Wealth ReserveTM to self-insure small risks. Accumulate $100,000 in 15 years to protect your assets. Never pay retail again Your financial professionals-agents, advisors, brokers, managers-have been ripping you off for years. In the 21st century, you can purchase all your financial needs at a substantial discount, some to 60%. We will show you how to buy value-quality at the right price. You are already paying more premium for insurance than you need to. You are paying for things in your policy you don't even need. You are probably using companies that are in business to serve their agents and their stockholders more than to serve you. When you use our suggestions and start saving $3,000 every year, you can start building your Wealth ReserveTM.. This fund can help you save even more by using the strategy most businesses use to save on insurance. They self-insure some of their risks and save big. Most businesses pay less for their insurance needs by using their own interest-earning accounts to pay for losses, if they occur. You can do the same with your Wealth ReserveTM. Like most businesses, you can develop your own "lifestyle" security. Instead of paying for insurance you don't need, you tailor it to your way of living. For instance, you probably pay for a death benefit in your car insurance policy. If you already own low-cost term, you don't need to pay the high rates from your auto carrier.

Are you the Risk Manager or Patrol Director of a ski resort? Are you confronted with how to lead the competition; provide a safe environment, manage risk and improve your customer's experience. The Smartphone Medic gives you a strategy by which you can improve aspects of your operation, cultivate a strong ethic around safety and risk management, minimise costs of insurance premiums, and harness the power of technology, thus reducing the impact of accidents and incidents on the ski field. Through a variety of case studies, facts, ideas and practical solutions, you will learn how to lead the competition, and improve your customers' experiences. You will also be introduced to Medic52, a smartphone application designed for easy use in challenging conditions. By improving data capture, risk management and patient handling, this app will revolutionise accident management, giving the opportunity for snow safety professionals to make our sport safer. Duncan Isaksen-Loxton, is an Australian ski patroller, Surf Lifesaver, and IT consultant, The Smartphone Medic blends his experience as a first responder with his in-depth knowledge of technology to provide realistic, everyday solutions to improving on-field care.

Diese Dokumentation schlagt eine Schneise durch das Dickicht des Versicherungsmarktes der Cyber-Policen. Versicherungen gegen Cyberkriminalitat werden zunehmend wichtiger: Angriffe auf die Informationstechnik von Unternehmen koennen Schaden in Millionenhoehe hinterlassen, beispielsweise wenn sensible Datensatze gestohlen oder Seiten von Online-Shops lahmgelegt werden. Inzwischen bietet die deutsche Versicherungswirtschaft mit speziellen "Cyber-Policen" Schutz gegen eine Vielzahl von IT-Risiken. Doch wie schlagkraftig ist ein solcher Schutz? Welche Versicherer bieten spezielle Cyber-Policen an? Welche Gefahren koennen versichert werden? Welche Rolle spielt der Versicherungsvertrieb und worauf sollten Vermittler und Makler achten? Das sind nur einige der Fragen, denen Umar Choudhry nachgeht.

Organisations and Companies should consider whether they have ensured everything possible has been completed to make their products, processes and procedures safe, and they have concise documentation to prove the actions that has been taken. The purpose of this book is to provide a step by step guide in achieving safety by Hazard Analysis and Risk Assessment that culminates in a safety culture and a duty of care

Ever dream of having the freedom to travel? Do you ever wish you had more time off? Adjuster's Life shows you how to do just that-and get paid for it to boot. Your new business as an Independent Insurance Adjuster is at your fingertips. Now, there's no need to waste time and money going to an expensive school. What you need to know, from resume to payday, is packed inside the pages of this little book. No sales gimmick or hook. Just the simple words of a seasoned adjuster penned with sweat from years of one on one field training. This manual comes not only with words, examples and web-links, but a promise to coach as you build your adjusting career. Do you want to see what it's like to ride through a storm as an adjuster? Well then, what're you waiting for? Jump in-let's roll. This business thrives in any economy, and you can too. Whether you're looking for a rewarding career or just want to become a better adjuster-this is for you.

Broker Executive is a strategic guidebook for business owners and executives to help them get the most out of their insurance and insurance broker. It also describes a new type of insurance broker - the broker executive - as one who adheres to the highest standards of customer service and business ethics. This book gives business executives an understanding of the thought process their broker should go through to find the right solution for them, with an emphasis on the usage of life insurance as a business tool. It identifies some of the hazards of the insurance world, and ways to avoid them. It also uncovers techniques top brokers can use to create additional value using insurance, including succession planning and key personnel retention strategies.

If an elephant sits on you, are you covered? You may laugh, but the question is based on a true story. An American couple was on safari in Africa when the husband walked too close to an elephant while taking a photo. The elephant unexpectedly sat down on the man and killed him. None of us know when disaster may strike, whether it's a house fire, a car accident, or an elephant sitting on you. But you can protect yourself and your loved ones from life's worst case scenarios by securing the right insurance coverage for your situation. In If an Elephant Sits on You, Are You Covered? top insurance agent Bart Baker walks you through the steps to safeguard the people and things you love from unforeseen catastrophes. Using his acclaimed Gap Elimination Process, Baker guides you through the nuts and bolts of eight key insurance categories: homeowners, auto, umbrella, life, long-term care, disability, natural disasters, and collectibles. Filled with engaging stories, inspiring experiences, and sound advice, this book shows you how to build a matrix of security around the things that matter most in your life. Practical tips and questions also guide you in making wise choices for maximum protection in the most cost-effective ways. Finally, suggestions on how to choose insurance agents support you in securing the best agent for your unique insurance needs. With this book, you have a powerful tool for protecting you and your loved ones from unexpected disaster. You have a way to avoid elephants."

Consumers may obtain health insurance from a variety of public and private sources, which can help protect them from the costs associated with obtaining medical care. Health insurance typically includes costs to consumers, which may vary for a number of factors, including scope of coverage, cost-sharing provisions, and federal or state requirements. Recent federal laws --specifically, PPACA and the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA) -- further define coverage and cost parameters for certain health insurance plans available to consumers now and in 2014, when exchanges are required to be operational, and include provisions to increase children's access to coverage. This book provides a baseline comparison of coverage and costs to consumers in separate CHIP plans and benchmark plans in select states; describes how coverage and costs might change in 2014; and describes how access to care by CHIP children compares to other children nationwide.

How to Beat Obamacare briefly covers the most important parts of the Patient Protection and Affordable Care Act signed into law in 2010 by President Obama. It gives a framework for making smart choices in the new healthcare environment.