Protecting your interests

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Protecting your interests"

Transcription

1 Legal protection for companies Protecting your interests Legal disputes regarding claims by employees, landlords, suppliers, customers or other persons and institutions harbor an undefinable financial risk for every company. Legal protection insurance is therefore an essential component of corporate cost planning. Services Advice and representation regarding the insured branches of law Analysis of the legal situation Review of the prospects for the case Handling of the case by specialists Advice when retaining an independent lawyer Collection of compensation awarded Online legal portal: MyRight.ch Costs paid Expert opinions Court fees and procedural costs Fees of an independent lawyer (with prior consent) Non-court costs awarded to the opposing party Bail to avoid pre-trial detention (advance payment) Costs for mediation Translation costs Travel costs to attend court proceedings abroad Modular freedom to design coverage Legal risks that can be budgeted Online portal MyRight.ch

2 Customized solutions While you continue to focus on your core activities, you can rest assured that AXA-ARAG will competently represent your legal interests and pay for all the costs incurred. Thanks to its basic module and supplementary module, the corporate legal protection insurance can be tailored perfectly to cover the risks your company faces. businesses Every company faces a large number of potential risks, which in a worst-case scenario can lead to much work, annoyance and enormous expenses for lawyers, courts and damages. Legal protection for businesses provides the most effective protection against the financial risks associated with the disputes in which companies are most likely to become embroiled. Areas of law covered Civil damages law (incl. crime victims compensation) Criminal law Administrative law Insurance law Landlord and tenant law Contract law (e. g. purchases, contract for work and services, leasing) for company furniture and equipment Property law Labor law (optional) A party who caused a loss refuses to pay damages A new production machine is defective, but the supplier does not agree The authorities initiate criminal proceedings against a company and its managers A social insurer (e. g. accident insurance) reduces or refuses to pay benefits An insurance company does not want to pay for a loss An employee takes the employer to court A dispute arises with the landlord CHF 500,000 per insured legal case; company furniture and equipment costs of up to CHF 300,000. Supplementary modules: contracts debt collection mobility (free of charge) contracts Contracts play a central role in every business. If contracts are violated, a company can be abruptly plunged into financial crisis. Areas of law covered Contract law Business information Association and foundation law (advisory services) Sector-specific coverage such as under medical law, vehicle contract law, construction contract law A machine sold to a customer does not work as it should A customer fails to pay or demands a reduction in the price because he is complaining about the work that was done A delayed delivery of materials leads to disputes with the supplier and the customer A customer complains about the repairs that were done Business information Purchasing the supplementary module for legal protection relating to contracts allows you to check the creditworthiness of private individuals and companies online for around CHF 200 per insurance year. CHF 150,000 per insured legal case. Only available as a supplementary module to business legal protection insurance and legal protection related to contracts

3 debt collection By purchasing the supplementary module for legal protection for debt collection you can protect yourself against inconvenient and costly debt collection procedures. AXA-ARAG will enforce the debt and pay for the costs incurred. Scope of insurance Debt collection of undisputed claims Assumption of any cost from debt collection proceedings until a notification of attachment or a bankruptcy notice has been obtained Payment of court fees On expiry of the reminder period you can submit the case to AXA-ARAG s regional legal service, which will collect the payment for the outstanding claim plus interest on arrears and then transfer it to you. CHF 50,000 per insured legal case. Only available as a supplementary module to business legal protection insurance and legal protection related to contracts motor vehicles Cars, cargo and delivery trucks, construction vehicles or busses regardless of the types of vehicles included in your fleet, whatever is on the road in the name of your company is valuable enough to protect. This is the only way in which your company can calculate the daily risks of legal disputes that may face your vehicles, their drivers and passengers. Areas of law covered Civil damages law (incl. crime victims compensation) Criminal law Insurance law Vehicle taxation Disqualification from driving Property law Vehicle contract law (optional) Gross negligence and procedural costs (optional) The person who caused an accident refuses to take responsibility for the damage. Claim for compensation, demands for satisfaction, personal and social insurance claims after a serious road accident. Disputes with a garage concerning work under guarantee. CHF 500,000 per insured legal case. Supplementary module: Mobility legal protection insurance (free of charge) real estate Legal protection for properties and parts of properties for which the insured company is responsible as the owner, tenant, leaseholder. The insurance covers disputes concerning the company s own or rented properties in the following areas of law: Civil damages law Criminal law Insurance law Landlord and tenant law as a tenant or leaseholder MyRight.ch, your legal information portal Do you need legal help? AXA-ARAG now offers online legal support for its customers. MyRight.ch offers you a wealth of options (available in German, French and Italian)

4 Contract law Property law Neighbor law Formal expropriation Legal protection for landlords (optional) Legal protection for builder-owners (optional) The landlord refuses to repair water damage. Renovation work is not done professionally. The neighbors complain about the noise made by a company and file a complaint mobility Legal protection for business trips and business travel. The insurance covers disputes related to business trips in the following areas of law: Road traffic law Transport contracts Vehicle rental Guest accommodation and tourist travel agreements An employee is in danger of losing his driver s license after a traffic accident. The return flight was canceled and the airline refuses to pay for the costs of the subsequent overnight stay. CHF 150,000 for Switzerland/Europe or CHF 50,000 worldwide per insured legal case. Included free of charge when purchasing business legal protection for companies or legal protection related to motor vehicles. CHF 500,000 per insured legal case, up to CHF 150,000 under legal protection for landlords, and up to CHF 20,000 annually for legal protection for builders. Areas of law Contract law Labor law Tenancy law Travel law Family law / inheritance law Property law / real estate law Company law Liability law / insurance law Traffic law / criminal law Public building law Tax law Your advantages Download sample templates Draw up personalized contracts interactively Answers to standard legal questions Have a look at MyRight.ch Unrestricted access and downloads around the clock, user-friendly, reliable and up-to-date: Just log on and benefit!

5 Always the best representation You can use the different basic and supplementary modules to adjust legal protection coverage flexibly and in accordance with your company s requirements. Business legal protection Basic module Supplementary module: contracts debt collection mobility (free of charge) motor vehicles Basic module Supplementary module: mobility (free of charge) Guaranteed coverage up to CHF 500,000 Switzerland/Europe CHF 150,000 Switzerland/Europe CHF 50,000 per insurance year Switzerland CHF 150,000 Switzerland/Europe CHF 50,000 worldwide CHF 500,000 Switzerland/Europe CHF 150,000 Switzerland/Europe CHF 50,000 worldwide Individual solutions Do you need more comprehensive coverage or a larger amount of insurance? With our individualized products we can offer you a customized solution. The advantages of an individual solution Individual, tailor-made contracts Optimized, needs-tailored coverage of corporate risks Risk-adjusted premiums real estate Basic module CHF 500,000 Switzerland

6 AXA-ARAG s legal protection insurance ensures that you will receive professional legal assistance and protects you against the costly legal disputes. This document is for information purposes only and not binding. WMIC C&P 2731 En AXA-ARAG Legal Protection Ltd Affolternstrasse 42 P. O. Box Zurich Telephone Fax AXA-ARAG.ch

In safe hands/ Flexible combined solutions for every practice. Protection for all areas of life. MyRight.ch online portal

In safe hands/ Flexible combined solutions for every practice. Protection for all areas of life. MyRight.ch online portal Legal protection insurance for doctors and medical staff In safe hands/ Legal risks in the healthcare sector are entirely unique and can be fully covered only by legal protection that is geared specifically

More information

Security for your travels/

Security for your travels/ INTERTOURS travel insurance Security for your travels/ Travel, vacations, and leisure activities: INTERTOURS offers you and your family members quick and reliable help in all emergency situations in Switzerland

More information

One fleet one contract/

One fleet one contract/ Motor vehicle fleet insurance One fleet one contract/ Motor vehicle insurance from AXA offers you comprehensive protection against a wide range of risks. You can now combine coverage for your vehicle fleet

More information

Personalized coverage to go/

Personalized coverage to go/ OPTIMA motor vehicle insurance Personalized coverage to go/ OPTIMA motor vehicle insurance leaves nothing to be desired when it comes to safety and flexibility in how coverage is designed. It is therefore

More information

Credit insurance. Protection against non-payment/

Credit insurance. Protection against non-payment/ Credit insurance Protection against non-payment/ Trust is often not enough/ Every unpaid invoice harbors the risk of a financial loss. Things can be fine for a long while, but suddenly your customer is

More information

The generous package for your home/

The generous package for your home/ OPTIMA household insurance The generous package for your home/ Our OPTIMA household insurance provides you with the very best coverage for your home. It is a flexible package that allows you to cover a

More information

Swiss Package for German cross-border commuters. Feel at home with Swiss quality insurance cover.

Swiss Package for German cross-border commuters. Feel at home with Swiss quality insurance cover. Swiss Package for German cross-border commuters Feel at home with Swiss quality insurance cover. Welcome to Switzerland s leading health insurer We are there for you. Personal, close at hand, committed.

More information

a b Time for business Spend less time and effort on your SME s expenses with the UBS Business Card Basic

a b Time for business Spend less time and effort on your SME s expenses with the UBS Business Card Basic a b Time for business Spend less time and effort on your SME s expenses with the UBS Business Card Basic With just one card, you can now enjoy simpler expenses management, greater transparency, and comprehensive

More information

Gearing up for safety/

Gearing up for safety/ STRADA COMPACT motor vehicle insurance Gearing up for safety/ STRADA COMPACT means straightforward motor vehicle insurance designed for anyone seeking a solid package of benefits with their liability,

More information

ON THE ROAD. License. Automobile Insurance

ON THE ROAD. License. Automobile Insurance ON THE ROAD License The minimum age, to obtain a driver s license in New Hampshire, is 18 years old. Individuals between the ages of 16 and 18 may obtain a drivers license, with permission from their parent

More information

CAP Legal Protection Insurance

CAP Legal Protection Insurance Private Clients / Corporate Clients CAP Legal Protection Insurance Legal protection worldwide for everyone: privalex, firmalex and special contracts. w.cap.ch A company of It s important to have expert

More information

Business Insurance Business Legal Guard Policy Summary Commercial Claims 0345 125 8859

Business Insurance Business Legal Guard Policy Summary Commercial Claims 0345 125 8859 Business Insurance Business Legal Guard Policy Summary Commercial Claims 0345 125 8859 (Monday to Friday, 9am-5pm) This is a summary of the cover available under the Post Office Money Business Legal Guard

More information

Our products for Italian cross-border commuters. Feel at home. With Swiss-quality insurance cover.

Our products for Italian cross-border commuters. Feel at home. With Swiss-quality insurance cover. Our products for Italian cross-border commuters Feel at home. With Swiss-quality insurance cover. Welcome to Switzerland s leading health insurer We are there for you. Personal, close at hand, committed.

More information

MANDATORY VEHICLE INSURANCE Terms and conditions No. 500

MANDATORY VEHICLE INSURANCE Terms and conditions No. 500 These insurance terms and conditions consist of three independent insurance contracts and are divided into four sections. The final section applies jointly to all three insurance contracts. The division

More information

Pension fund and residential property/

Pension fund and residential property/ Promotion of home ownership Pension fund and residential property/ Withdrawing or pledging Pillar 2 assets for purchasing residential property Contents Raising capital to purchase a home 3 Own capital

More information

LEGAL SERVICES NORRIE WAITE & SLATER SOLICITORS

LEGAL SERVICES NORRIE WAITE & SLATER SOLICITORS LEGAL SERVICES NORRIE WAITE & SLATER SOLICITORS 1 Legal Services Conveyancing Criminal Defence & Motoring Offences Family Law Housing Wills, Probate & Estate Planning Accident Compensation Claims Contents

More information

Family law. www.leedsday.co.uk. Providing intelligent legal solutions Providing intelligent legal solutions Providing intelligent legal solutions

Family law. www.leedsday.co.uk. Providing intelligent legal solutions Providing intelligent legal solutions Providing intelligent legal solutions Family law The Family team at Leeds Day understands that Family and Matrimonial matters require more than just keen negotiating skills and technical excellence. We never lose sight of the real issues that

More information

Safely around the world. 365 days cover for your leisure and travel. Worldwide, including Switzerland!

Safely around the world. 365 days cover for your leisure and travel. Worldwide, including Switzerland! Safely around the world. 365 days cover for your leisure and travel. Worldwide, including Switzerland! Multi Trip: the leisure and travel insurance for every contingency. Multi Trip Comfort: Leave risk

More information

RENTAL PROPERTY SET UP QUESTIONNAIRE & TERMS OF SERVICE

RENTAL PROPERTY SET UP QUESTIONNAIRE & TERMS OF SERVICE RENTAL PROPERTY SET UP QUESTIONNAIRE & TERMS OF SERVICE This Agreement is made between Award Property Management Ltd ( The Agent ) and The Owner(s) listed below ( The Landlord ) with respect to the letting,

More information

TERMS & CONDITIONS FULLY MANAGED SERVICE

TERMS & CONDITIONS FULLY MANAGED SERVICE TERMS & CONDITIONS FULLY MANAGED SERVICE For the purpose of this agreement the following definitions will apply:- Keywest Estate Agents Ltd shall be known as The Agent... shall be known as The Owner..

More information

a b Enjoy more freedom As a mid-sized or large company, enjoy greater flexibility, transparency and security with the UBS Visa Corporate Card

a b Enjoy more freedom As a mid-sized or large company, enjoy greater flexibility, transparency and security with the UBS Visa Corporate Card a b Enjoy more freedom As a mid-sized or large company, enjoy greater flexibility, transparency and security with the UBS Visa Corporate Card 1 Efficient expenses and travel management, comprehensive insurance

More information

Tenancy regulations furnished accommodation. November 2014

Tenancy regulations furnished accommodation. November 2014 Tenancy regulations furnished accommodation November 2014 Content Article: 1 The tenancy regulations 2 Definition of terms 3 Common areas 4 Renting to more tenants 5 Delivery and acceptance of a room with

More information

Compensation Policy Including statutory compensation, service failure and loss of amenities

Compensation Policy Including statutory compensation, service failure and loss of amenities Compensation Policy Including statutory compensation, service failure and loss of amenities Version Final By: Watkin Morgan Senior Manager Maria McCarron BOM approved: 22 March 2010 CONTENTS Section Page

More information

Your rights when buying on credit

Your rights when buying on credit Your rights when buying on credit Anyone who offers you credit must be licensed by the Office of Fair Trading (OFT). Most consumer credit agreements are covered by the Consumer Credit Act 1974 and the

More information

Fleet Legal Guard. Policy Wording

Fleet Legal Guard. Policy Wording Fleet Legal Guard Policy Wording What s inside... Introduction 3 What to do if you need to make a claim 4 Legal helpline 5 Claims for compensation 10 Claims for physiotherapy 12 Terms and Conditions 13

More information

24-Hour Emergency & Travel Assistance Services

24-Hour Emergency & Travel Assistance Services 24-Hour Emergency & Travel Assistance Services Emergency travel assistance services are provided by Assist-Card Corporation of America, Inc. ( ASSIST-CARD ). These services are available 24 hours a day,

More information

Empty Dwelling Management Orders Guidance for residential property owners. housing

Empty Dwelling Management Orders Guidance for residential property owners. housing Empty Dwelling Management Orders Guidance for residential property owners housing Contents Introduction 2 Summary 3 Key facts for property owners 4 Making of Empty Dwelling Management Orders 5 Money Matters

More information

What Tenants Need To Know About The Law

What Tenants Need To Know About The Law What Tenants Need To Know About The Law Does This Article Apply To You? This article is about tenants rights under the Residential Tenancies Act (RTA). The RTA applies to most rental housing in Nova Scotia

More information

Empty Dwelling Management Orders Guidance for residential property owners on new powers available to local councils. housing

Empty Dwelling Management Orders Guidance for residential property owners on new powers available to local councils. housing Empty Dwelling Management Orders Guidance for residential property owners on new powers available to local councils housing Contents Some facts about empty properties 3 New powers for local councils to

More information

CANDIS LEGAL CARE POLICY SUMMARY

CANDIS LEGAL CARE POLICY SUMMARY Summary of Cover This summary does not contain the full terms and conditions of the Policy, The full terms, conditions and exclusions that apply to the Policy can be found in the Policy document. You have

More information

Vehicle insurance. Insurance terms no. BA10. The following apply to the insurance:

Vehicle insurance. Insurance terms no. BA10. The following apply to the insurance: Vehicle insurance The following apply to the insurance: The insurance policy together with special entries and special terms. These terms no. BA10. The company s joint terms no. YY10. The Act on Insurance

More information

Fleet Legal Guard. Policy Wording

Fleet Legal Guard. Policy Wording Fleet Legal Guard Policy Wording What s inside... Introduction 3 What to do if you need to make a claim 4 Legal helpline 5 Claims for compensation 10 Claims for physiotherapy 12 Terms and Conditions 13

More information

How to better manage the insurance-buying process for your Independent Auto Dealership

How to better manage the insurance-buying process for your Independent Auto Dealership How to better manage the insurance-buying process for your Independent Auto Dealership About this guide The process of purchasing insurance may not be one of your favorite things to do while managing your

More information

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC Introduction Choice of Cover Third Party Fire and Theft You are covered for liability to third parties (including passengers)

More information

Landlord-Tenant Law FOR RENT

Landlord-Tenant Law FOR RENT Landlord-Tenant Law FOR RENT The Landlord-Tenant Act In 1974, the Nebraska Legislature passed the Uniform Residential Landlord and Tenant Act. This law governs oral and written agreements for residential

More information

Individual supplementary health insurance

Individual supplementary health insurance Individual supplementary health insurance General Insurance Conditions (AVB-E) Version 2008 All references to persons in this document apply to both genders. Table of contents I General 2 Art. 1 Scope

More information

AIR PASSENGER RIGHTS EU COMPLAINT FORM

AIR PASSENGER RIGHTS EU COMPLAINT FORM AIR PASSENGER RIGHTS EU COMPLAINT FORM THIS FORM CAN BE USED TO LODGE A COMPLAINT WITH AN AIRLINE AND/OR A NATIONAL ENFORCEMENT BODY. Passenger rights in case of denied boarding, downgrading, cancellation

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Outsourcing IT The Legal Aspects

Outsourcing IT The Legal Aspects Outsourcing IT The Legal Aspects Planning, Contracting, Managing and the Law Second Edition Rachel Burnett Business Assets: Premises and Equipment Chapter 5 Special considerations arise in those outsourcing

More information

Private Clients Insurance Service. Home, motor and travel

Private Clients Insurance Service. Home, motor and travel Private Clients Insurance Service Home, motor and travel About the Private Clients Insurance Service As someone with valuable property and possessions, you will want to be certain that your insurance cover

More information

INFORMATION FOR LANDLORDS

INFORMATION FOR LANDLORDS NEW JERSEY JUDICIARY INFORMATION FOR LANDLORDS Superior Court of New Jersey Law Division Special Civil Part Landlord/Tenant Section Information for Landlords page 1 Most disputes between landlords and

More information

Factsheet. Bankruptcy. e y. i c e. Make Every Count. The information and benefit rates in this leaflet are correct at April 2009

Factsheet. Bankruptcy. e y. i c e. Make Every Count. The information and benefit rates in this leaflet are correct at April 2009 M on Factsheet e y E3 A dv i c e Bankruptcy U ni Make Every Count t The information and benefit rates in this leaflet are correct at April 2009 01438 737555 www.hertsdirect.org/benefits Bankruptcy Bankruptcy

More information

Ticon Properties Rental Application

Ticon Properties Rental Application Ticon Properties Rental Application www.ticonproperties.com Thank you for your interest in Ticon Properties! Enclosed you will find the Rental Application and Qualifying Guidelines. The following checklist

More information

Solicitors for You. Solicitors Ltd

Solicitors for You. Solicitors Ltd Solicitors for You Solicitors Ltd We talk in plain English and not legal jargon. 10 Fetter Lane London EC4A 1BR T 020 7611 4848 F 020 7611 4849 DX 334 London / Chancery Lane E law@rollingsons.co.uk W www.rollingsons.co.uk

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Buildings insurance What is buildings insurance Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Outdoor

More information

Equipment Finance Application

Equipment Finance Application Head Office: 31 Talbragar Street, PO Box 1192, Dubbo NSW 2830 Ph: 02 6882 0090 or 02 6884 3922 Fax: 02 6884 7628 Email: admin@rivwest.com ACN: 073 358 666 ABN: 85 073 358 666 Australian Credit Licence

More information

Property Let. Legal Protection Scheme Key Facts. Standard cover + Rent Arrears

Property Let. Legal Protection Scheme Key Facts. Standard cover + Rent Arrears Property Let Legal Protection Scheme Key Facts Standard cover + Rent Arrears Why you need Property Let Cover Repossession Property damage Eviction of squatters Rent recovery Rent arrears Legal defence

More information

TENANT RIGHTS FOR STUDENTS

TENANT RIGHTS FOR STUDENTS TENANT RIGHTS FOR STUDENTS Avoiding common problems with landlords for students living off-campus. Maryland Attorney General s Office www.oag.state.md.us TENANT RIGHTS Problems with landlords are common

More information

You re well cared for in Switzerland

You re well cared for in Switzerland You re well cared for in Switzerland Everything you need to relocate to Switzerland Infos & Checklists For optimal insurance cover in every phase of life. www.visana.ch Grüezi and welcome to Switzerland

More information

GUIDE TO DEALING WITH DEBT

GUIDE TO DEALING WITH DEBT GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What

More information

Having empty properties in our community does not benefit anybody, they have the potential to:

Having empty properties in our community does not benefit anybody, they have the potential to: Introduction An empty home is a wasted home Having empty properties in our community does not benefit anybody, they have the potential to: Attract crime and antisocial behaviour Blight local neighbourhoods

More information

Countrywide Conveyancing Services. Purchase handbook. Your purchase questions answered. www.cwpl.com

Countrywide Conveyancing Services. Purchase handbook. Your purchase questions answered. www.cwpl.com Countrywide Conveyancing Services Purchase handbook Your purchase questions answered www.cwpl.com Purchase handbook Your purchase questions answered General information to which we will draw your attention

More information

Insurance. Home, car, travel and liability. The right insurance coverage Excellent service Convenient and easy

Insurance. Home, car, travel and liability. The right insurance coverage Excellent service Convenient and easy Insurance Home, car, travel and liability The right insurance coverage Excellent service Convenient and easy 1 Insurance Home, car, travel and liability Everyday life involves all kinds of risks. These

More information

UNIVERSITY of HOUSTON MANUAL OF ADMINISTRATIVE POLICIES AND PROCEDURES

UNIVERSITY of HOUSTON MANUAL OF ADMINISTRATIVE POLICIES AND PROCEDURES UNIVERSITY of HOUSTON MANUAL OF ADMINISTRATIVE POLICIES AND PROCEDURES SECTION: Administrative Operations Number: 03.01.04 AREA: General SUBJECT: Fleet Management Plan I. PURPOSE AND SCOPE This document

More information

CATEGORIES OF ACCESS JUSTICE LAWYERS

CATEGORIES OF ACCESS JUSTICE LAWYERS CATEGORIES OF ACCESS JUSTICE LAWYERS Area of Law OVERVIEW Explanation There are five main categories for Area of Law: Criminal, Family, Immigration, Mediation, and Civil. Civil is broken down into several

More information

NFOPP Level 4 Certificate in Residential Lettings and Property Management Comparison Sheet

NFOPP Level 4 Certificate in Residential Lettings and Property Management Comparison Sheet The Level 4 Certificate in Residential Lettings and takes Unit 1 from the NFOPP Technical Award in Residential Lettings and Property Syllabus Unit 1 General Law, Health, Safety and Security in Relation

More information

Peach Properties (UK) Ltd Office Account

Peach Properties (UK) Ltd Office Account IMPORTANT TENANT GUIDANCE NOTES Thank you for choosing to rent your new home through Peach. You will place a two weeks holding deposit on the property, which is non refundable should you change your mind

More information

Touchstone Underwriting PROPERTY POLICY SUMMARY Commercial Legal Expenses Insurance

Touchstone Underwriting PROPERTY POLICY SUMMARY Commercial Legal Expenses Insurance Touchstone Underwriting PROPERTY POLICY SUMMARY Commercial Legal Expenses Insurance The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits,

More information

THE GAPS IN YOUR CLIENT S COMMERCIAL TRANSPORTATION INSURANCE PORTFOLIO

THE GAPS IN YOUR CLIENT S COMMERCIAL TRANSPORTATION INSURANCE PORTFOLIO DAStransport FILLING THE GAPS IN YOUR CLIENT S COMMERCIAL TRANSPORTATION INSURANCE PORTFOLIO IMPORTANT NOTE: This document is a discussion guide to provide a general comparison between DAStransport and

More information

landlord brochure successfully letting in Surrey since 1997 patricia shepherd letting & management

landlord brochure successfully letting in Surrey since 1997 patricia shepherd letting & management landlord brochure successfully letting in Surrey since 1997 patricia shepherd letting & management 2about us a family business specialising in residential letting & property management We are a family

More information

Free initial consultation

Free initial consultation Bankruptcy Attorney & Lawyer Stoughton, MA Free initial consultation The have offered professional legal advice and representation for individuals throughout South Shore, MA and the surrounding areas for

More information

Proposal Form Commercial Vehicle

Proposal Form Commercial Vehicle Commercial Vehicle for your commercial vehicle insurance Introduction About NIG Thank you for choosing NIG as your Commercial Vehicle insurer. We have been established for over 100 years and provide insurance

More information

AP#8, DCFS MOTOR LIABILITY PLAN September 1, 1997 P.T. 97.28

AP#8, DCFS MOTOR LIABILITY PLAN September 1, 1997 P.T. 97.28 SECTION 8.1 Purpose 8.2 Motor Vehicle Liability Plan 8.3 General Provisions 8.4 Employee Responsibilities 8.5 Required Reporting Forms and Information to Be Obtained 8.6 Supervisor I Management Responsibilities

More information

LegalShield Service Definition Listing

LegalShield Service Definition Listing LegalShield Service Definition Listing Advice & Consultation Attorney Advice & Consultation LegalShield gives the member the ability to talk to an attorney on any of his/her legal matters without worrying

More information

What will happen to my Home. Information about your home when bankruptcy occurs.

What will happen to my Home. Information about your home when bankruptcy occurs. What will happen to my Home Information about your home when bankruptcy occurs. This leaflet covers the questions you are most likely to want answered about your home if you are made bankrupt. 1. Will

More information

In simple terms your return on investment of renting out a property is affected by two main things: rental income and your expenses.

In simple terms your return on investment of renting out a property is affected by two main things: rental income and your expenses. Copyright 2015 Letcom property agents 2015 Table of Contents 1 Introduction...2 2 Return on Your Investment...2 2.1 Rental Income...2 2.2 Expenses...3 3 Agreements and Legal Requirements...3 3.1 Agency

More information

Landlord Guide. Information for Landlords in British Columbia

Landlord Guide. Information for Landlords in British Columbia Landlord Guide Information for Landlords in British Columbia Landlord Guide Introduction Provincial governments across Canada recognize the need to balance the interests of homeowners and home renters.

More information

Agency Contract Terms and Conditions

Agency Contract Terms and Conditions P1/terms & conditions/ Agency Contract Terms and Conditions Full address of property to be let: Post Code: Full name of Landlord : Address: Tel (Mbl) Post Code: Email Address: Agreed initial Rental:..

More information

insurance policy I m in the driver s seat!

insurance policy I m in the driver s seat! My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a

More information

Keeping pets in strata schemes. Your questions answered.

Keeping pets in strata schemes. Your questions answered. Keeping pets in strata schemes. Your questions answered. A PROJECT OF THE NSW YOUNG LAWYERS ANIMAL RIGHTS COMMITTEE This guide has been prepared for information purposes only. It should not be taken or

More information

Mortgage Conditions and Explanations

Mortgage Conditions and Explanations Mortgage Conditions and Explanations 1 Mortgage Conditions and Explanations Bath Building Society ( the Society ) The paragraphs headed Introduction and Membership Rights below are included purely for

More information

Payment solutions for individual clients. Swiss ways and customs

Payment solutions for individual clients. Swiss ways and customs ab Payment solutions for individual clients. Swiss ways and customs Contents Introduction to payments in Switzerland 05 How can I make day-to-day payments without using cash? Maestro card 06 Credit cards

More information

Carefree. Travel ANYWHERE IN THE WORLD

Carefree. Travel ANYWHERE IN THE WORLD Carefree Travel ANYWHERE IN THE WORLD Information contained in this document is of an indicative nature only and does not bind the Société de l assurance automobile du Québec. Legal deposit Bibliothèque

More information

Managing multinational insurance programs

Managing multinational insurance programs Managing multinational insurance programs In a globalized economy linked by overnight delivery, advanced telecommunications and the Internet, even small companies increasingly do business with foreign

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Policy Summary Inside you ll find a summary of your Car Insurance Tesco Bank Box Insurance Car Insurance Private Car Policy Summary Welcome to Tesco Bank Box Insurance Thank you for choosing

More information

POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011

POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011 POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011 INTRODUCTION: Rollins College has many faculty, staff and students whose responsibilities

More information

Individual Tenancy Application

Individual Tenancy Application Individual Tenancy Application A separate application is required for each adult resident to avoid delays give full details - this form MUST be completed prior to carrying out credit searches www.landlordzone.co.uk/verify.htm

More information

Motor Legal Expenses Insurance

Motor Legal Expenses Insurance Motor Legal Expenses Insurance Motor Legal Expenses Insurance Policy Document Certificate of Insurance This insurance is underwritten by Inter Partner Assistance SA and managed on their behalf by Arc Legal

More information

Group II Benefits. Rescue Transportation Expenses. Return Transportation Costs in Event of Death Insured amount 15,000

Group II Benefits. Rescue Transportation Expenses. Return Transportation Costs in Event of Death Insured amount 15,000 insurance benefits preface Membership in Diners Club provides you with all the benefits of a modern, comprehensive insurance package. If you have used your Diners Club Card within the past two months you

More information

These Terms and Conditions apply to all participants in the Program. By paying the Program Fee or the Deposit, you are entering into the Agreement.

These Terms and Conditions apply to all participants in the Program. By paying the Program Fee or the Deposit, you are entering into the Agreement. Terms and Conditions These Terms and Conditions apply to all participants in the Program. By paying the Program Fee or the Deposit, you are entering into the Agreement. We have tried to make this Agreement

More information

COMPLETE INFORMATION ON INSURANCE

COMPLETE INFORMATION ON INSURANCE Dear client, Page 1 with your Diners Club card you also get a free comprehensive travel insurance package for trips abroad, with cover up to 6 million all over the world. The aim of this document is to

More information

UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE

UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance 999NJ(31) Rev. 6-04 Page 1 of 10 WHAT'S INSIDE WHERE DO I START? PAGE 2 UNDERSTANDING

More information

Rent to Own Housing. What is a Rent to Own Housing contract?

Rent to Own Housing. What is a Rent to Own Housing contract? Rent to Own Housing A rent to own housing agreement is not a good idea unless you are in very good financial condition and know that you will be so for the foreseeable future. There are many disadvantages

More information

Motor Fleet Insurance

Motor Fleet Insurance Motor Fleet Insurance Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

Extract of the EUROPÄISCHE Travel Insurance Terms and Conditions for the Hotel Industry 2005 (ERV-RVB Hotellerie 2005) for Hotelstorno Plus

Extract of the EUROPÄISCHE Travel Insurance Terms and Conditions for the Hotel Industry 2005 (ERV-RVB Hotellerie 2005) for Hotelstorno Plus Page 1 Extract of the EUROPÄISCHE Travel Insurance Terms and Conditions for the Hotel Industry 2005 (ERV-RVB Hotellerie 2005) for Hotelstorno Plus I. General Section Article 1: Insured persons Article

More information

Building insurance frequently asked questions

Building insurance frequently asked questions Building insurance frequently asked questions April 2012 From 1 April 2011 until 31 March 2013 Ocaso S.A. U.K. Branch will provide building insurance for the leaseholders of Islington Council. The purpose

More information

PERSONAL ACCIDENT/PERSONAL EFFECTS INSURANCE (PAI/PEI) APPLICATION

PERSONAL ACCIDENT/PERSONAL EFFECTS INSURANCE (PAI/PEI) APPLICATION USA INSURANCENET CORP PO BOX 770158 MIAMI, FL 33177 Fax 786-293-3669 EMAIL service@usainsurancenet.com RENTAL FLEET Insurance Program PERSONAL ACCIDENT/PERSONAL EFFECTS INSURANCE (PAI/PEI) APPLICATION

More information

Tooher Ferraris Insurance Group Property & Casualty Resource Library

Tooher Ferraris Insurance Group Property & Casualty Resource Library Tooher Ferraris Insurance Group Property & Casualty Resource Table of Contents Compliance...1 State-Specific Regulatory Information...1 State & Federal Safety Guides...1 Workers Compensation Statutes...2

More information

As exclusive as your needs. As individual as you are. Visa Platinum

As exclusive as your needs. As individual as you are. Visa Platinum As exclusive as your needs. As individual as you are. Visa Platinum For a lifestyle that is both distinctive and individual. Visa Platinum The more discerning among us expect exclusive services and quite

More information

Product Disclosure Statement

Product Disclosure Statement MTA Insurance Limited Equity Plus Insurance Product Disclosure Statement This document must be read in conjunction with the Application/Certificate of Insurance for MTA Equity Plus Insurance. Together

More information

Landlords Residential Property Insurance Claim Report

Landlords Residential Property Insurance Claim Report Landlords Residential Property Insurance Claim Report CGU Insurance Limited ABN 27 004 478 371 Please retain this page for your information About your claim We will contact you as quickly as possible about

More information

General Insurance Provisions (GIP)

General Insurance Provisions (GIP) Group Supplementary Insurance Pursuant to the Swiss Federal Law on Insurance Contracts (VVG) General Insurance Provisions (GIP) Edition January 2005 (Version 2007) Sanitas Privatversicherungen AG with

More information

To find more about the housing or health codes that apply in your city contact your local city and county government.

To find more about the housing or health codes that apply in your city contact your local city and county government. All information contained in this pamphlet is only legal information and is not intended to replace or serve as legal advice. The law may apply differently depending on your location, individual circumstances

More information

Legal services. A branch guide to what we offer

Legal services. A branch guide to what we offer Legal services A branch guide to what we offer A branch guide to what we offer Contents Personal injury service 3 Criminal service 5 Employment 6 Other services 7 Access to legal services 8 Legal services

More information

U l t i m a t e A d v i s o r. Protection at any life stage. Professional legal help to protect you and your family.

U l t i m a t e A d v i s o r. Protection at any life stage. Professional legal help to protect you and your family. U l t i m a t e A d v i s o r Protection at any life stage. Professional legal help to protect you and your family. A legal plan for all the stages of your life. U l t i m a t e A d v i s o r Legal issues

More information

Personal Information Protection Act (PIPA) Privacy & Landlord - Tenant Matters Frequently Asked Questions

Personal Information Protection Act (PIPA) Privacy & Landlord - Tenant Matters Frequently Asked Questions Personal Information Protection Act (PIPA) Privacy & Landlord - Tenant Matters Frequently Asked Questions Are landlords in Alberta bound by privacy law? Yes. The Personal Information Protection Act (PIPA)

More information

LEGAL SUPPORT FOR YOU AND YOUR. QualitySolicitors Burroughs Day

LEGAL SUPPORT FOR YOU AND YOUR. QualitySolicitors Burroughs Day LEGAL SUPPORT FOR YOU AND YOUR FAMILY QualitySolicitors Burroughs Day Thank you for such a pleasant and easy service. I will certainly be recommending you and wouldn t hesitate to use your services again.

More information

Incisive Business Guide to Business Insurance

Incisive Business Guide to Business Insurance Incisive Business Guide to Business Insurance Business Insurance Guide Summary This guide from Incisive Business outlines the features and benefits for your business from taking out business insurance.

More information

The purpose of fair rental practices is to further the creation of a problem-free and functional residential lease.

The purpose of fair rental practices is to further the creation of a problem-free and functional residential lease. The purpose of fair rental practices is to further the creation of a problem-free and functional residential lease. Contents Openness and interaction 2 Signing of a lease agreement 3 Agreement on rent

More information