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Property Risk Management All University properties are required to at least carry this tier of insurance and the extent to which we are charged a premium depends on the funding of each specific building or its occupants (refer to “How Property Insurance Premiums Are Applied By The Fund”). All-risk insurance is the most comprehensive coverage you can purchase, and like extended coverage, a premium is charged to all departments requesting this coverage, regardless of their funding status. While all property insurance authorized for the University must be placed through the Fund, certain property coverages may not be offered by them or they may prefer not to underwrite certain risks. www.unc.edu /finance/risk/property.htm   (1934 words)

Property Insurance Glossary An insurance contract in which the terms of the policy are not fixed at the inception nor is an expiration date specified, but limits of liability are set forth for the protection it offers. A kind of insurance with which a salesman or a sales agent whose income is tied to profits or commissions on certain property can insure against loss of income due to the destruction of the property. Insurance protecting the interest of only one of the parties having an insurable interest in property, such as insurance protecting a mortgagee but not a mortgagor or protecting a seller but not a buyer. www.jmwsons.com /property2.html   (3561 words)

InsWeb Article: Property Insurance Terms   (Site not responding. Last check: 2007-10-20) Insurance against the loss that occurs when an insured is unable to collect outstanding accounts because of damage to or destruction of the accounts receivable records by a peril covered in the policy. Various insurance coverages for additional types of losses, and against loss by additional perils, which are closely associated with and usually sold with fire insurance. A stipulation in a Property Insurance policy which states that after a partial loss covered by the policy has been paid, the original limit of the policy will be automatically reinstated. www.insweb.com /learningcenter/glossary/property-a.htm   (519 words)

Office of Insurance and Risk: Property Insurance   (Site not responding. Last check: 2007-10-20) Departments may choose to purchase an inexpensive insurance policy as a means for planning for insurance costs rather than covering the University departmental deductible of $3,000 in the event of a loss. When the Insurance Manager in the Insurance Office has been notified that University owned equipment will be kept at an employee's home, the equipment will be insured as it would be on campus. Only personal property that is deemed necessary for performing ones job and is authorized by the senior officer in your area can be eligible for coverage. www.brown.edu /Administration/Office_of_Insurance_and_Risk/employees/propins.html   (1213 words)

Insurance Insurance carriers assume the risk associated with annuities and insurance policies and assign premiums to be paid for the policies. Insurance carriers tend to be large establishments, often employing 250 or more workers, whereas agencies and brokerages tend to be much smaller, frequently employing fewer than 20 workers. Insurance companies hire independent adjusters to represent their interests while assisting the insured, whereas public adjusters are hired to represent the insured’s interests against insurance carriers. www.bls.gov /oco/cg/cgs028.htm   (4804 words)

PROPERTY INSURANCE   (Site not responding. Last check: 2007-10-20) Insurance policies are controlled by rules of interpretation and construction which are applicable to contracts generally. Safeco Insurance Co. of America, 972 S.W. 2d 738 (Tex. 1998), the issue certified to the Texas Supreme Court was “whether the 1991 Texas Standard Homeowner’s Policy - Form B covers damage to the insured’s dwelling from foundation movement caused by an underground plumbing leak.” Id. According to the Two Pesos Court, “the concept of insurance is that the parties in effect wager against the occurrence or non-occurrence of a specified event; the carrier insures against a risk, not a certainty.” Id., citing Bartholomew v. www.mdjwlaw.com /Library/DDD/I-PropertyInsur.htm   (8113 words)

Property Insurance, Small Business Insurance, Property Casualty Insurance – Small Business Property Insurance Small business property insurance can be purchased on the basis of the property's actual value (the replacement cost minus depreciation), its replacement value (the cost of replacing an item without deducting for depreciation), or on an agreed-upon amount (commonly used for art objects and other unique items). Basic property insurance will generally cover your losses in the event of a fire or a lightning strike, and will pay the cost of removing property to protect it from further loss. Property insurance can be categorized by what is insured and by the events leading to a loss. www.spendonlife.com /asktheexpert/insurance/sbi_small_business_property.aspx   (498 words)

CCH Business Owner's Toolkit | Property Insurance Property insurance can make you whole in the event you sustain a loss to any business property, be it a truck, store fixtures, inventory, raw materials, and so on. The story goes that a couple of the principals of the firm, while sitting in a pub, were discussing how they could continue to insure the cargoes after they reached port and were shipped over land to their ultimate destinations, thus doubling their business. But the important thing to remember about inland marine coverage is that it covers property in transit or mobile property, whereas standard property insurance normally covers items located within 100 feet of a specific physical address. www.toolkit.cch.com /text/P01_6226.asp   (682 words)

Texas Department of Insurance Commercial Property Insurance   (Site not responding. Last check: 2007-10-20) While it is common for property landlords to maintain some type of property insurance coverage, it´s important for a tenant business to understand that such a policy usually covers only the building owner´s property, such as damage to the building or structure. An actual cash value policy will pay only the amount of the property´s worth at the time of the loss – in other words, the value of the property after depreciation due to such factors as age and normal wear and tear are subtracted. The newly acquired property coverage extension stipulates an amount of time during which the insurance company must be notified of the acquisition, after which the coverage will not apply. www.tdi.state.tx.us /consumer/consum89.html   (3279 words)

Insurance for Rental Property   (Site not responding. Last check: 2007-10-20) Rent Guarantee insurance therefore is an excellent and relatively inexpensive (3 to 5% of rental) way to minimise your risk and is especially valuable for landlords with perhaps only one property, which may be heavily mortgaged. Landlords with a portfolio of properties can usually stand a period of non-payment, whereas a single property owner may not be able to maintain mortgage payments in these circumstance, putting the whole investment at risk. n the case of residential property it is the landlord's responsibility to insure the building and her contents, but this does not include the tenants' contents or accidental damage to the landlord's property, which would otherwise come out of the security deposit. www.landlordzone.co.uk /insurance.htm   (1998 words)

Personal Property Insurance   (Site not responding. Last check: 2007-10-20) Since the University's insurance program is only intended to cover catastrophic losses, the $5,000 deductible on each occurrence is the sole responsibility of the department sustaining the loss. Subject to the same $5,000 deductible per occurrence, the coverage is considered excess (secondary) to an employee's property insurance that may apply. For that reason, employees may wish to obtain specific business premises personal property insurance in their own homeowner's or renters' property insurance policy, or obtain a separate property insurance policy. www1.umn.edu /ohr/ohrpolicy/Benefits/insurance.htm   (634 words)

Property/Casualty Insurance Frequently Asked Questions - HUD   (Site not responding. Last check: 2007-10-20) The ACC does not specifically state that flood insurance is a required coverage, unless the property is located in a flood plain, as determined by the Federal Governments National Flood Insurance Program. Some insurance companies will include flood coverage along with their property policy, but it is usually subject to a very large deductible ($25,000 or more), and this would not be reasonable for most PHAs. This means that the insurance will pay the cost to replace the destroyed or damaged property on the same premises with other property of comparable material and quality, or the actual amount spent to repair or replace, whichever is less. www.hud.gov /offices/pih/divisions/ffmd/faq/pci.cfm   (723 words)

Intellectual Property : Insurance to protect IP rights With insurance taken out before your product is exposed to risk, you may, moreover, be less likely to need to invoke litigation in any case because the insurance acts as a deterrent to potential infringers. The insurance premiums that you might be offered may seem expensive, but you should bear in mind that you may need cover for at least £500,000 as a minimum for a case about infringement of intellectual property rights that goes to the High Court. If you feel that insurance would be a good idea, you should discuss this with your advisers, such as patent agents, trade mark attorneys or solicitors. www.intellectual-property.gov.uk /std/resources/profiting_from_ip/insurance.htm   (373 words)

AAA : Insurance : Rental Property Insurance   (Site not responding. Last check: 2007-10-20) Other structures on your property, such as a detached garage or shed, are also covered, but are subject to separate limits. Because your insurance needs may be different from those of other investment property owners, we make these endorsements and optional coverages available for an additional premium, with a choice of deductibles and increased limits for specific items: These summary descriptions are not a contract, and are intended solely to inform you about the features of rental property insurance. www.csaa.com /insurance/subsection/0,1191,1005040000,00.html   (510 words)

TDI Commercial Insurance Index   (Site not responding. Last check: 2007-10-20) Just as homeowners insurance protects a homeowner from the full cost of repairing unforeseen damage to a house, commercial property insurance protects businesses, farms and ranches against damage to their buildings and contents. Commercial property owners, both those operating a business on their property and those leasing property to another entity, may purchase policies that protect the building and associated structures. Insurance companies are free to use their own policies, subject to approval by the Texas Commissioner of Insurance. www.tdi.state.tx.us /consumer/commercial.html   (443 words)

III - Are there any disasters my property insurance won't cover? Property insurance policies usually exclude coverage for flood damage. Coverage for earthquake damage is excluded in most property insurance policies, including homeowners and business owners package policies. Remember that business interruption insurance, which reimburses you for lost income during a shutdown, applies only to causes of damage covered under your business property insurance policy. www.iii.org /individuals/business/basics/disasterscovered   (426 words)

Complete Commercial UK - Industrial and Commercial Property Insurance   (Site not responding. Last check: 2007-10-20) Arranging commercial property insurance should be the answer (and there are many agents eager to sell cover). The consequences of inadequate or outdated commercial property insurance is only fully realised "after the fire". This is an independent professional insurance service specifically for UK based owners of commercial or industrial property that sources the best terms from the market for all your commercial property insurance and industrial property insurance needs. www.palmerinsurance.co.uk   (237 words)

Property insurance This is a summary of the University's property insurance. It is intended to assist University administrators in identifying their department's insurance needs, and outline the necessary course of action to be taken. Non-owned property which is either on loan, leased, or borrowed for which the University is responsible. www.mcgill.ca /riskmanagement/bulletin2   (898 words)

Property Insurance Program If you have any questions about the insurance implications of an activity or situation in which your department is involved, please contact Insurance and Risk Management at 220-5719. property that is either owned by the University or for which the University has agreed to accept responsibility (i.e. In a property loss situation, the following deductibles or the policy deductible (whichever is lower) would be assessed to the department or trust account. www.ucalgary.ca /UofC/departments/RISK/riskmgmt/insurance/property.html   (859 words)

Insurance Journal Property Casualty Insurance News Jim has over 24 years experience in the insurance industry – including Treasurer of Poe and Associates, Inc. Prior to entering the insurance industry, Jim held a position with a large national accounting firm and also served as President of a consulting company. In 2002, Poe Financial Group was one of the 50 largest property insurance writers in the United States. Poe and Associates was the largest property and casualty insurance agency based in the State of Florida and the 12th largest in the United States. www.insurancejournal.com /pr/pr_poe.htm   (501 words)

Texas Property and Casualty Insurance Guaranty Association The Texas Property and Casualty Insurance Guaranty Association (TPCIGA) is a non-profit, unincorporated association of all Texas-licensed property and casualty insurers. The Proof of Claim filing deadline was established as February 14, 2005 since the original Proof of Claim deadline was February 12, 2005, a Saturday. Protective National was not licensed to transact business in the State of Texas, and therefore does not enjoy the protection afforded by the Texas Property and Casualty Insurance Association ("TPCIGA"). www.tpciga.org   (338 words)

Insurance Journal - Property Casualty Insurance News Safeco announced it is one of the first insurance companies to fully automate the sale of commercial insurance packages to more than 800 classes of small- and mid-sized... Delaware Insurance Commissioner Matt Denn said today he would not approve a proposed 10 percent increase in the workers' compensation insurance rates, telling insurance... The Texas Department of Insurance, Division of Workers' Compensation has determined that the adjusted annual payroll requirement of an employer for the coverage of seasonal... www.insurancejournal.com   (1153 words)

Property Damage Insurance Specialists, Inc. - Public Adjusters, PA & NJ Property Damage Insurance Specialists, Inc. is a licensed public adjusting firm with construction and engineering professionals on staff to handle all aspects of your claim. A licensed public adjuster is licensed and bonded by the State Insurance Commission to adjust claims of losses or damages arising out of policies of insurance. When your home or business is damaged, you can trust Property Damage Insurance Specialists, Inc. to secure the greatest settlement possible. www.propertydamage.net   (234 words)

cheap landlord and tenant insurance  on line for landlords and Tenants and car hire annual excess insurance Homelet Tenants insurance policies are portable so if you move from one part of the country you can take it with you. Letsure insurance policies are underwritten by a limited range of insurers, a full a list of which is available upon request. Under UK FSA regulations jml Property Services are unable to give advice either verbally or in writing regarding insurance or assist with changes to insurance policies that you have taken out. www.jml-property-insurance.co.uk   (583 words)

Companion Property & Casualty Group   (Site not responding. Last check: 2007-10-20) Companion Property and Casualty Insurance Group is a regional leader in property and casualty insurance in the Southeast, as well as several Middle Atlantic and Midwestern states. Companion Property and Casualty is headquartered in Columbia, South Carolina. Companion Property and Casualty Insurance Group recently celebrated its 20th Anniversary with a gala at the Columbia Museum of Art. www.companiongroup.com /internet/cpac/cpc/comppac.nsf   (202 words)

Dorm Insurance - Student Personal Property Insurance The EAS Education Resource Center has joined with, National Student Services, Inc. (NSSI), the industry’s leading student personal property insurance provider to offer a full-services, low-cost program designed to specifically protect the personal property of students, faculty and staff living in residence halls, fraternity or sorority houses, off-campus apartments or houses. NSSI has been providing insurance programs to thousands of students across the country since 1971.The STUDENT PERSONAL PROPERTY PLAN ® is officially recognized at over 700 colleges and universities in the United States. Additional coverage may be purchased in units of $500 at a cost of $9 per unit (for an Actual Cash Value policy) or $25 per $1,000 unit (for a Replacement Cost policy) up to a maximum of $20,000 coverage with a $25, $50, or $100 deductible. www.easnetwork.com /eas/Dorm_Insurance_Coverage.asp   (421 words)

Union Bank of California - Equipment & Property Insurance Union Bank of California's insurance affiliates offer businesses equipment and property insurance to cover physical assets lost or damaged. Whether you have a small office or manage a property with several thousand units, Union Bank of California's insurance affiliates can help you find the right protection from property loss or damage. Insurance products: * Are Not Bank Deposits * Are Not FDIC-Insured * Are Not Bank Guaranteed * May Lose Value * Are products of the insurance carrier. www.uboc.com /business/main/0,,2485_5758,00.html   (212 words)

Office of Insurance and Risk : Property Insurance Information   (Site not responding. Last check: 2007-10-20) It is important for students to protect their personal property (stereos, cameras, calculators, personal computers, books and furniture). It is recommended that students have personal property insurance as the University does not provide insurance coverage for these items. Students should keep an inventory of their property, complete with serial numbers, as a way to prove ownership in the event they need to file a claim with an insurance company. www.brown.edu /Administration/Office_of_Insurance_and_Risk/ship/property.html   (233 words)

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