Employee Dishonesty: Insurance Coverage for Employee Theft
Submitted by Hummel Group on Fri, 09/13/2019 - 9:05amEmployee theft is generally defined as an employee’s unauthorized use, theft or misuse of business assets.
Employee theft is generally defined as an employee’s unauthorized use, theft or misuse of business assets.
Disability insurance is coverage that provides you with income protection should you lose time on the job due to an injury or illness. With disability coverage, you receive partial replacement of lost income.
For working-age individuals, disability refers to a medical condition that reduces your ability to perform your job duties.
Life Insurance isn't a fun thing to think about, an it may seem like an unnecessary expense. But if you have people who depend on you for financial support, then life insurance is really about protecting them in case something happens to you - your designated beneficiary would collect a financial benefit upon your death. Life insurance can be confusing, so here's a rundown of the basics.
You do not need to be wealthy to be sued for millions. Juries determine damages based on the severity of an accident, not your ability to pay those damages. Do you own or drive a vehicle? Do you own or rent a home? Do you want to protect the assets and investments that you worked hard to accumulate? If you said yes to any of those, you need an umbrella. The truth is EVERYONE needs an umbrella.
Although most collision damage waiver (CDW) or loss damage waiver (LDW) fees are considered outrageous, most consumers should consider purchasing the CDW/LDW for short-term rentals. This is becoming increasingly the case as rental car companies charge ever-higher fees and penalties for losses and expenses not covered by most auto policies or credit cards. The following are ten reasons to purchase the rental car damage waiver:
Home and auto insurance protects the policyholder from large expenses resulting from loss, damage and injury associated with his or her home, property and automobile. The two types of insurance - homeowners and automobile- are separate products but are frequently bundledi, or purchased together, which usually results in a discounted rate.
There are many facets to an insurance claim. One of these is called subrogation. Subrogation means, in a sense, that one party has the right to "step into the shoes" of another party for the purpose of bringing a claim for damages.
Subrogation is the right for an insurer to legally pursue a third party that caused an insurance loss to you. This is done as a means of recovering the amount of the claim paid by the insurance carrier to you for the loss.
An ice dam is an accumulation of ice at the lower edge of a sloped roof, usually at the gutter. When interior heat melts the snow on the roof, the water will run down and refreeze at the roof's edge, where temperatures are much cooler. Eventually, the ice builds up and blocks water from draining off of the roof. This, in turn, forces the water under the roof covering and into your attic or down the inside walls of your house.