Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity"

Transcription

1 Prfessinal UabilitM Cmmercial & Other Insurance AnAbslute Necessity I n August 2005, Illinis enacted medical malpractice refrm that limits the amunt a jury can award fr persnal pain and suffering t $500,000 frm physicians and $1,000,000 fr hspital judgments. 26 This refrm was vitally needed t address, in part, the medical liability crisis facing Illinis. Illinis healthcare prviders still face staggering premium rates that have, unfrtunately, frced many physicians in specialties such as neursurgery, rthpedics, anesthesilgy, general surgery and bstetrics/gyneclgy t either leave the state r t abandn perfrming high-risk prcedures. Althugh prfessinal liability insurance is expensive, it is still a vital necessity fr individual physicians and their grup practices. As imprtant t grup practices, hwever, is cmmercial liability insurance t prtect the practice and its wners frm claims related t its rles as landlrds and emplyers. Prfessinal Uability Insurance OCCURRENCE VERSUS CLAIMS MADE POUCIES Plicies can be written as "ccurrence" r "claims-made" cverage. Occurrence cverage cvers the insured fr incidents ccurring during the perid f time when the insurance is maintained. Prvided the insurance plicy is paid up and in effect at the time a negligent act r missin ccurs, the plicy will prvide cverage. Upn the terminatin f the plicy, r if the plicy lapses, the insured will still be cvered fr claims brught after the plicy perid, as lng as the claims relate t incidents ccurring during the perid f cverage ROBBINS, SALOMON & P ATI, LID.

2 Claims-made prtectin is liability insurance that prvides cverage fr claims relating t incidents ccurring during the plicy perid nly if such claims are brught during the plicy perid r ntice f the prspective claim was prvided t the insurance carrier during the plicy perid. Insurance cverage typically ceases with the terminatin f the claims-made plicy, althugh certain plicies prvide grace perids, typically 30 t 60 days after the insurance plicy has terminated, t permit the insured t submit and cver claims after the end f the cverage perid. Withut a grace perid, mst claims made n r after the plicy terminatin date are nt cvered. REPImNG ENDORSEIIIENT (-rail COVERAGE ") T extend insurance cverage f a claims-made plicy with its current insurer, "tail cverage" is available. Tail cverage will extend the perid f time cverage is prvided fr claims arising ut f events that ccurred while the riginal, claimsmade insurance plicy was in effect. Tail cverage fills the gaps that may ccur between the effective dates f separate plicies. Tail cverage premiums are expensive. They are typically 150% t 250% (r higher) f the annual premium f a claims-made plicy. COVERAGE AMUNTS In Illinis, there are n statutry rmrumum requirements fr the amunt f prfessinal liability insurance cverage a physician must have. Plicies are written in Illinis with limits f: $ 500,000 per ccurrence/$1,500,000 aggregate $1,000,000 per ccurrence/$3,000,000 aggregate $2,000,000 per ccurrence/$4,000,000 aggregate With $1,000,000 per ccurrence/$3,000,000 aggregate being the mst cmmn. GROUP POUCIES A grup practice typically requires a plicy specific t the grup, which will prvide cverage fr all f its physician wners and physician emplyees fr malpractice claims arising ut f the scpe f their emplyment. In cntrast, fr a sle practitiner cverage fr the entity is typically autmatically included under the physician's individual prfessinal liability plicy ROBBINS, SALOMON & P ATI, LID.

3 Cmmercial Insurance er.wl!rclal AND GENERAL LIABILn'Y INSURANCE Large grup practices typically btain cmprehensive general liability insurance. Cmprehensive general liability insurance (als knwn as "general liability insurance") prvides brad, cmprehensive insurance cverage and generally applies t all business activ1ties f the insured (except fr specialized activities such as malpractice, business risk, wrkers cmpensatin and autmbile insurance). General liability insurance prvides standardized cverage t include insurance fr accidental injury r prperty damage t a third party resulting frm the peratins perfrmed by the insured n its premises, accidental injury r prperty damage that may result frm the wnership r peratin f the insured's premises itself, and insurance fr claims arising frm incidental cntracts entered int by the insured. Small and mid-sized grup practices may btain a business wners plicy (''BOP''). A BOP bundles prtectin frm all majr prperty and liability risks in ne package (except fr specialized activities such as malpractice, wrkers' cmpensatin and autmbile insurance). BOP cverage includes prperty insurance fr buildings and cntents, business interruptin insurance and liability prtectin. Directrs & Officers Insurance Directrs and fficers f a grup practice structured as a crpratin r limited liability entity are charged with fiduciary duties t the crpratin r entity in cnnectin with the perfrmance f their duties. Illinis law allws a prfessinal services crpratin, medical crpratin r limited liability entity t indemnify its directrs and fficers frm claims by third parties when they act in their crprate capacity. A directrs and fficers insurance plicy (cmmnly referred t as a "D & 0 Plicy") prvides cverage fr a crpratin r limited liability entity t satisfy its indemnificatin bligatins, r prvides cverage fr the directrs and fficers themselves if there is n indemnificatin undertaken by the crpratin r limited liability entity. This type f plicy prvides cverage, nt nly fr lsses incurred by the insured in cnnectin with any litigatin claims, but als fr the cst f defense incurred by the insured ROBBINS, SALOMON & P AIT, LID.

4 Prperty Insurance Prperty insurance cvers lsses arising frm damage t real r persnal prperty wned by the insured. Generally, these plicies are written t insure against "named perils". Thus, if the insured prperty was destryed r damaged by the risks specifically named in the plicy, cverage wuld be available. Typical perils named include: fire, lightning, windstrm, hail, explsins, rits, and civil cmmtin, plus damage caused by autmbiles. In additin, ptinal cverage is generally available t insure against flds, earthquakes, building cllapse and glass breakage. Minimum cverage amunts fr prperty insurance will generally be dictated by the wner f the prperty f the practice lcatin, r by lenders if the practice will acquire its practice lcatin. Wrkers' Cmpensatin Insurance Illinis law requires emplyers t prvide wrkers' cmpensatin cverage fr their emplyees. 27 Sle prprietrs, business partners, and members f limited liability cmpanies may exempt themselves frm this.?8 reqw.rement.- Emplyers may either buy insurance r btain permissin frm the Illinis Wrkers' Cmpensatin Cmmissin t self-insure. By law, Illinis emplyers are required t purchase wrkers' cmpensatin insurance, pst a cnspicuus ntice in each wrkplace that lists the insurance carrier and explains wrkers' rights, keep written recrds f wrk-related injuries and reprt t the cmmissin accidents invlving mre than three wrkdays lst. In additin, emplyers may nt retaliate, harass r discriminate against any emplyee wh exercises their right under the law, and nt charge the emplyee fr any insurance premium the emplyer is bligated t pay. If an emplyer knwingly and willfully fails t btain insurance, it may be fined up t $500 fr every day f nncmpliance, with a maximum fine f $10,000. Crprate fficers can be held persnally liable if the cmpany fails t pay the penalty.29 In additin, crprate fficers wh are fund t have negligently failed t btain insurance are guilty f a Class A misdemeanr; if they are fund t have knwingly failed t btain insurance, they are guilty f a Class 4 felny ROBBINS,SALOMON&PATI,LID.

5 An emplyer that knwingly fails t btain insurance lses its prtectins under the Wrkers' Cmpensatin Act. An emplyee wh is injured during the time the emplyer was uninsured may sue the emplyer in civil curt, where benefits are unlimited. In additin, during the trial the burden will be upn the emplyer t prve it was nt negligent. Fr mre infrmatin visit the Illinis Wrkers' Cmpensatin Cmmissin web site, ROBBINS,SALOMON&PATI,Lm.

FREQUENTLY ASKED QUESTIONS (FAQs)

FREQUENTLY ASKED QUESTIONS (FAQs) EMPLOYMENT PRACTICES LIABILITY fr small businesses FREQUENTLY ASKED QUESTIONS (FAQs) What is Emplyment Practices Liability Insurance? Emplyment Practices Liability (EPL) insurance prtects an emplyer frm

More information

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard

More information

Berkley FinSecure Property & Casualty Policy

Berkley FinSecure Property & Casualty Policy PRODUCT HIGHLIGHT Berkley FinSecure Prperty & Casualty Plicy Flexibility, prtectin and value The Berkley FinSecure Prperty & Casualty Plicy is designed t prtect yu against prperty and casualty lss expsures

More information

Monroe County Commission

Monroe County Commission 2014-2015 W-est Virginia Cunties Grup Self Insurance Risk Pl Self Insurance Prpsal fr Prperty, Liability, Autmbile and Wrkers' Cmpensatin A Prpsal t Mnre Cunty Cmmissin Presented n: March 17, 2013 Package

More information

EXTENDED BENEFITS FOR TOTAL DISABILITY

EXTENDED BENEFITS FOR TOTAL DISABILITY ADMINISTRATIVE POLICY EXTENDED BENEFITS FOR TOTAL DISABILITY Plicy Number: ADMINISTRATIVE 49.8 T2 Effective Date: January, 205 Table f Cntents APPLICABLE LINES OF BUSINESS/PRODUCTS PURPOSE... DEFINITIONS...

More information

Are Insurance Premiums Deductible?

Are Insurance Premiums Deductible? Are Insurance Premiums Deductible? December 2011 Can I deduct the premiums? That s a questin yu prbably hear when yu re presenting an insurance cncept. Unfrtunately, the answer is generally n insurance

More information

Public consultation paper

Public consultation paper Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au

More information

1. What insurance coverage is provided for Sigma Chi chapters that are members of the Risk Management Foundation?

1. What insurance coverage is provided for Sigma Chi chapters that are members of the Risk Management Foundation? Frequently Asked Questins 1. What insurance cverage is prvided fr Sigma Chi chapters that are members f the Risk Management Fundatin? Membership in the Risk Management Fundatin includes the fllwing mandatry

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

Insurance Toolkit for Landcare Groups in NSW P a g e 1

Insurance Toolkit for Landcare Groups in NSW P a g e 1 Insurance Tlkit fr Landcare Grups in NSW P a g e 1 FOREWARD This tlkit has been prepared t prvide guidance n insurance issues relating t Landcare grups in New Suth Wales. This kit is nt regarded as legal

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act. By: Michael James L$mbardin$

Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act. By: Michael James L$mbardin$ Oct$ber 22, 2010 Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act By: Michael James L$mbardin$ The "D&dd-Frank Wall Street Ref&rm and C&nsumer Pr&tecti&n Act" (D&dd-Frank)

More information

Operating as an S corporation may be wise for several reasons:

Operating as an S corporation may be wise for several reasons: S Crpratin Facts S crpratins are similar t LLCs in that they prvide wners with limited liability prtectin while ffering the tax structure f a partnership. Many entrepreneurs have tw gals when chsing a

More information

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during

More information

CALIFORNIA STATE UNIVERSITY, NORTHRIDGE UNIVERSITY STUDENT UNION, INC. Risk Management and Contracts Policy & Procedure

CALIFORNIA STATE UNIVERSITY, NORTHRIDGE UNIVERSITY STUDENT UNION, INC. Risk Management and Contracts Policy & Procedure SUBJECT: REFERENCE: Campus Plicy N 725-30 Risk Management (effective 04/01/2008) POLICY PURPOSE: INSURANCE OVERVIEW It is the plicy f the University Student Unin, Inc. (USU) t cnduct prgrams and activities

More information

Chapter 20: Homeowners Insurance. Homeowners insurance forms, drafted by the Insurance Services Office (ISO) are widely used in

Chapter 20: Homeowners Insurance. Homeowners insurance forms, drafted by the Insurance Services Office (ISO) are widely used in Clquitt/Rejda McNamara Chapter 20 Chapter 20: Hmewners Insurance Hmewners Insurance Basics Hmewners insurance frms, drafted by the Insurance Services Office (ISO) are widely used in the US A plicy can

More information

ERISA Compliance FAQs: Fiduciary Responsibilities

ERISA Compliance FAQs: Fiduciary Responsibilities Brught t yu by Mrris & Reynlds Insurance ERISA Cmpliance FAQs: Fiduciary Respnsibilities The Emplyee Retirement Incme Security Act f 1974 (ERISA) is a federal law that sets minimum standards fr emplyee

More information

Errors & Omissions Insurance for Title, Escrow Agents and Abstractors. Endorsed by the American Land Title Association

Errors & Omissions Insurance for Title, Escrow Agents and Abstractors. Endorsed by the American Land Title Association Errrs & Omissins Insurance fr Title, Escrw Agents and Abstractrs Endrsed by the American Land Title Assciatin The Insurance Cmpany: Title Industry Assurance Cmpany, a Risk Retentin Grup TIAC issued its

More information

Compensation Texas Tax Code 171.1013 Rule 3.589

Compensation Texas Tax Code 171.1013 Rule 3.589 Cmpensatin Texas Tax Cde 171.1013 Rule 3.589 Presented by: Franchise Tax Plicy Staff Organizer: Janet Spies Panelists: Teresa Bstick, Claire Jamal, Jerry Oxfrd, Jennifer Specchi, and Bill Yrk Margin Cmpensatin

More information

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF QUESTION WE VE BEEN ASKED QB 15/09 INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF All legislative references

More information

SOMERS POINT MUNICIPAL CODE SECTION 202 LICENSE APPLICATION FORM A

SOMERS POINT MUNICIPAL CODE SECTION 202 LICENSE APPLICATION FORM A SOMERS POINT MUNICIPAL CODE SECTION 202 LICENSE APPLICATION FORM A ** APPLICANT INFORMATION ** NOTE: IF APPLICANT IS AN ORGANIZATION EXEMPT UNDER SECTION 202-22, OR IS APPLYING FOR A LICENSE AS A TRANSIENT

More information

Tradesman Policy Summary Tradesman Insurance Policy Summary 11.2015

Tradesman Policy Summary Tradesman Insurance Policy Summary 11.2015 Plicy Summary This dcument prvides a summary nly f the significant aspects f cver (including restrictins) prvided by ur standard Tradesman Plicy. Fr full details, please refer t the Plicy itself which

More information

PUBLIC TRANSPORTATION FLEET CHECKLIST

PUBLIC TRANSPORTATION FLEET CHECKLIST ONE INTERNATIONAL BLVD. SUITE 405 MAHWAH, NJ 07495 Phne (201)252-3030 - Fax (201)252-3031 PUBLIC TRANSPORTATION FLEET CHECKLIST Applicant Name: Prpsed Effective Date: Agency: Requested Qute Date: Prducer:

More information

Aquaculture Insurance

Aquaculture Insurance Aquaculture Insurance S, yu ve decided t raise clams, ysters, r the like. This white paper is meant t prvide an insurance starting pint. It will utline the basics and hw they apply, in a brad sense, t

More information

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms UBC Restricted Faculty Secnd Mrtgage Lan Prgram Descriptin f Key Terms Updated February 4, 2014 The Restricted Resale Capped Appreciatin Prgram is ne f tw ptins in UBC s Hme Ownership Prgram intended t

More information

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely prud f the package f benefits available t yu. The benefits package prvided

More information

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts NAIC Replacement Requirements Fr Certain Life Insurance Plicies And Annuity Cntracts Duties f Prducers If a transactin invlves a replacement, the prducer must leave with the applicant, at the time an applicatin

More information

Benefits of Contractor Workforce Solution Outsourcing - Risk Management. 10 December 2010 CXC Global Research

Benefits of Contractor Workforce Solution Outsourcing - Risk Management. 10 December 2010 CXC Global Research Benefits f Cntractr Wrkfrce Slutin Outsurcing - Risk Management 10 December 2010 CXC Glbal Research Executive Summary CXC Glbal is a specialist Cntractr Management Cmpany with enrmus depth f experience

More information

Plus500CY Ltd. Statement on Privacy and Cookie Policy

Plus500CY Ltd. Statement on Privacy and Cookie Policy Plus500CY Ltd. Statement n Privacy and Ckie Plicy Statement n Privacy and Ckie Plicy This website is perated by Plus500CY Ltd. ("we, us r ur"). It is ur plicy t respect the cnfidentiality f infrmatin and

More information

Application Fee Schedule Please check the appropriate box below. See also Additional Information starting on page 6.

Application Fee Schedule Please check the appropriate box below. See also Additional Information starting on page 6. DRIVING SCHOOL LICENSE APPLICATION N. APPLICATION DMV USE ONLY N. LICENSE Received Fee Amunt Expiratin Fee Amunt PART 1 Schl Infrmatin: l READ VEHICLE AND TRAFFIC LAW SECTION 394 AND DMV COMMISSIONER S

More information

Insurance Frequently Asked Questions

Insurance Frequently Asked Questions Insurance FrequentlyAskedQuestins MEMBERSINSURANCECOVERAGE Whataremembers(bthcmpetitinandrecreatin)cveredfr? Pleaseseetheattachedflyer Isthereadifferencebetweenarecreatinalmemberandcmpetitinmember? N Frmwhatagetwhatagearememberscveredbyinsurance?

More information

QUÉBEC AUTOMOBILE INSURANCE INDUSTRY POSTS SOLID EARNINGS AGAIN IN 2007

QUÉBEC AUTOMOBILE INSURANCE INDUSTRY POSTS SOLID EARNINGS AGAIN IN 2007 QUÉBEC AUTOMOBILE INSURANCE INDUSTRY POSTS SOLID EARNINGS AGAIN IN 2007 [TRANSLATION] FOR IMMEDIATE RELEASE Québec City, April 16, 2008 The Autrité des marchés financiers (AMF) annunces the release f its

More information

Chapter 12: Life Insurance Contractual Provisions

Chapter 12: Life Insurance Contractual Provisions Clquitt/Rejda McNamara Chapter 12 Chapter 12: Life Insurance Cntractual Prvisins Life Insurance Cntractual Prvisins Under the, the plicy wner pssesses all cntractual rights in the plicy while the insured

More information

Transmittal 1744 Date: MARCH 12, 2002. HEADER SECTION NUMBERS PAGES TO INSERT PAGES TO DELETE 2154-2158 2-86.7-2-86.10 (4 pp.) 2-86.7-2-86.10 (4 pp.

Transmittal 1744 Date: MARCH 12, 2002. HEADER SECTION NUMBERS PAGES TO INSERT PAGES TO DELETE 2154-2158 2-86.7-2-86.10 (4 pp.) 2-86.7-2-86.10 (4 pp. Medicare Carriers Manual Department f Health & Human Services (DHHS) Centers fr Medicare & Medicaid Services (CMS) Part 3 - Claims Prcess Transmittal 1744 Date: MARCH 12, 2002 CHANGE REQUEST 2068 HEADER

More information

nbn is committed to identifying hazards, preventing workplace accidents and minimising dangerous health safety and environment incidents.

nbn is committed to identifying hazards, preventing workplace accidents and minimising dangerous health safety and environment incidents. Incident & Hazard Reprting Overview At nbn we are safe, disciplined and reliable. nbn is cmmitted t preventing injury, illness and envirnmental harm by prviding a safe and healthy wrking envirnment fr

More information

Workers' Compensation Employee's Guide

Workers' Compensation Employee's Guide Wrkers' Cmpensatin Emplyee's Guide Intrductin What is Wrkers' Cmpensatin? What is a Wrk-Related Injury? Wh Is Cvered by the UCSD Wrkers' Cmpensatin Prgram and When? Where D Yu Receive Initial Medical Treatment?

More information

SECTION I Overview of Delaware Corporate/LLC Formation

SECTION I Overview of Delaware Corporate/LLC Formation SECTION I Overview f Delaware Crprate/LLC Frmatin This memrandum sets frth the steps required t establish a U.S. subsidiary f a freign parent cmpany. Althugh the Limited Liability Cmpany is briefly described

More information

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear 7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third

More information

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles Health Care Refrm Patient Prtectin Affrdable Care Act (PPACA) Overview Key Principles DESCRIPTION: Healthcare Refrm/Patient Prtectin & Affrdable Care Act (PPACA) were passed int law March 23. 2010. Hwever,

More information

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC?

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC? Issue Brief SBC Distributin Rules fr Emplyer Spnsred Health Plans Octber 2012 Summary The Affrdable Care Act (ACA) expands ERISA's disclsure requirements by requiring that a summary f benefits and cverage

More information

Dodd-Frank Report on Seller Financing

Dodd-Frank Report on Seller Financing Ddd-Frank Reprt n Seller Financing December 10, 2013 Published by Glbal Publishing Inc. 9799 Old St. Augustine Rd. Jacksnville, FL 32257 p. 904-262-0491 f. 904-262-1464 VIPServices@GlbalPublishinginc.cm

More information

Legal Issues Bulletin

Legal Issues Bulletin Legal Issues Bulletin N. 8 reviewed May 2015 Claims fr lss f r damage t persnal prperty and use f private mtr vehicles by staff, parents and students Legal Issues Bulletin 39 - Preparatin and use f accident

More information

INSTRUCTIONS FOR COMPLETING THE APPLICATION FOR CERTIFICATE OF EXEMPTION FROM LICENSURE AS A HEALTH CARE CLINIC

INSTRUCTIONS FOR COMPLETING THE APPLICATION FOR CERTIFICATE OF EXEMPTION FROM LICENSURE AS A HEALTH CARE CLINIC INSTRUCTIONS FOR COMPLETING THE APPLICATION FOR CERTIFICATE OF EXEMPTION FROM LICENSURE AS A HEALTH CARE CLINIC REFERENCES: CHAPTER 400, PART X, F.S. (2006) AND FAC 59A-33.006. As prvided in s. 400.9935

More information

False Claims Act. False Claims Act Provides:

False Claims Act. False Claims Act Provides: False Claims Act Michael A. Hirst, Esq. Hirst & Chanler LLP 455 Capitl Mall, Suite 605 Sacrament, CA 95814 (916) 443-6100 michael.hirst@hirst-chanler.cm False Claims Act Prvides: A persn wh knwingly submits

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014 FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Apprved by the DOLA Executive Directr July 1, 2014 Prgram Overview: As f July 1, 2014, the Department f Lcal

More information

Insurance Review. Types of Insurance Life Disability Property & Casualty Health Long-Term Care. Life Insurance What is life insurance?

Insurance Review. Types of Insurance Life Disability Property & Casualty Health Long-Term Care. Life Insurance What is life insurance? Insurance Review Insurance needs can change ver time as yu experience changes in yur life. The purpse f this dcument is t prvide a high-level verview f the varius types f insurance, ptential cverage benefits,

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

CLIENT AGREEMENT School Based Trainees

CLIENT AGREEMENT School Based Trainees Smart Emplyment Slutins Ltd t/as Hassle Free Apprentice Management Versin: 04 Date: 01/15 Smart Emplyment Slutins trading as Hassle Free Apprentice Management (ACN 067 508 338) (ABN 68 067 508 338) Email:

More information

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013 INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01 Issued: January 02, 2013 Pennsylvania Department f Revenue Guidelines fr Cllectin and Administrative Bank Attachment Required by Act 85 f 2012 Per the Tax

More information

Summary Plan Description Requirements for Group Health Plans

Summary Plan Description Requirements for Group Health Plans Summary Plan Descriptin Requirements fr Grup Health Plans September 2014 All grup health plans subject t the Emplyee Retirement Incme Security Act (ERISA) are required t prvide participants with a Summary

More information

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future In-Huse Cunsel Day Pririties fr 2012 Clud Cmputing the benefits, ptential risks and security fr the future Presented by David Richardsn Thursday 1 March 2012 WIN: What in-huse lawyers need Knwledge, supprt

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

ADMINISTRATIVE PROCEDURE

ADMINISTRATIVE PROCEDURE ADMINISTRATIVE PROCEDURE TRANSPORTATION OF STUDENTS IN PRIVATE ADMINISTRATIVE PROCEDURE NO.: VI - 7 VEHICLES DRIVEN BY OTHER STUDENTS DATE : FEBRUARY 1996 AMENDED: OCTOBER 11, 2005 AMENDED: MARCH 18, 2008

More information

Employee Benefits Liability Policy

Employee Benefits Liability Policy Plicy 10/3084 part 3 Emplyee Benefits Liability Plicy Summary Publicatin Date March 2015 Review Date March 2016 Related Legislatin/Applicable Sectin f Legislatin Related Plicies, Prcedures, Guidelines,

More information

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

Insurance. Hurricane Insurance Basics. Homeowner, mobile homeowner and renter s insurance usually cover the following :

Insurance. Hurricane Insurance Basics. Homeowner, mobile homeowner and renter s insurance usually cover the following : Insurance Mst prperty wners have hmewners cverage insuring them frm catastrphic lss. Did yu knw that a typical hmewners plicy des nt prtect yu frm lss in flding r rising water? If yu dn t have fld insurance,

More information

East Mecklenburg High School Trade Contractor Pre qualification

East Mecklenburg High School Trade Contractor Pre qualification East Mecklenburg High Schl Trade Cntractr Pre qualificatin In filling ut this pre qualificatin statement please carefully read and fllw all instructins. If yu have any questins please cntact Andy Aldridge

More information

Conventional Condominium Policy

Conventional Condominium Policy Cnventinal Cndminium Plicy www.newleafwhlesale.cm Overview NewLeaf will riginate and fund mrtgage lans secured by units in cndminium prjects that meet FNMA/FHLMC/ NewLeaf eligibility criteria. Cndminium

More information

Employees - recruitment, records and monitoring

Employees - recruitment, records and monitoring Emplyees - recruitment, recrds and mnitring This guidance has been prduced t help rganisatins cmply with the Data Prtectin Act (DPA) when recruiting and emplying wrkers. It is relevant t public sectr emplyers,

More information

Indiana University Agreement Between Owner and Architect for a Roofing Project

Indiana University Agreement Between Owner and Architect for a Roofing Project Indiana University Agreement Between Owner and Architect fr a Rfing Prject This AGREEMENT is made: (Date) BETWEEN the Owner: The Trustees f Indiana University 1800 N. Range Rad Blmingtn, IN 47408 and the

More information

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789 Snny s Franchise Cmpany 201 Nrth New Yrk Avenue 3rd flr Winter Park, FL 32789 Phne: (407) 660-8888 Fax: (407) 660-1285 Email: sates@snnysbbq.cm Name Address PRELIMINARY FRANCHISE APPLICATION Befre filling

More information

Accountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses

Accountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses Accuntants and Cnsulting Prfessinal Liability Prgram Yu have the best cverage Fr mre than a dzen years, CPAGld has strived t be the mst innvative and frward thinking prfessinal liability insurance prgram

More information

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant

More information

Kuck Immigration Partners. Source of Funds. -Worksheet and Document Checklist-

Kuck Immigration Partners. Source of Funds. -Worksheet and Document Checklist- Kuck Immigratin Partners Surce f Funds -Wrksheet and Dcument Checklist- 1 Table f Cntents General Rules... 3 Investrs Net Wrth Wrksheet:... 4 Dcumentatin:... 5 Identificatin and Bigraphic Dcuments... 5

More information

Health Care Reform: The New Law

Health Care Reform: The New Law Health Care Refrm: The New Law Prfessr Sidney D. Watsn April 7, 2010 On March 23, 2010 President Obama signed int law the Patient Prtectin and Affrdable Care Act (H.R. 3590). On March 29, the President

More information

australian nursing federation

australian nursing federation australian nursing federatin Submissin t the public cnsultatin n the Nursing and Midwifery Bard f Australia draft Guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners

More information

Workers Compensation Employee Packet

Workers Compensation Employee Packet Wrkers Cmpensatin Emplyee Packet Cmplete the fllwing frms and return t Meagan Vrhies, Claims Crdinatr via fax (817) 735-0127, email at Meagan.Vrhies@untsystem.edu r in persn at Human Resurce Services (EAD-280).

More information

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION)

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) Intrductin: Hw t Use This Tl As d all ther jurisdictins, BC requires emplyers t investigate and reprt specific kinds f wrkplace

More information

www. IurilloLaw. com When Creditors Rights & Bankruptcy Issues Collide with Estate Planning, What Should You Do?

www. IurilloLaw. com When Creditors Rights & Bankruptcy Issues Collide with Estate Planning, What Should You Do? When Creditrs Rights & Bankruptcy Issues Cllide with Estate Planning, What Shuld Yu D? 1 Camille J. Iurill, Esquire ciurill@iurilllaw.cm (727) 895-8050 5628 Central Avenue St. Petersburg, FL 33707 Camille

More information

POLICIES AND PROCEDURES

POLICIES AND PROCEDURES POLICIES AND PROCEDURES Department: Campus Safety and Security and Welcme Center/Infrmatin Subject: Rental Vehicle Insurance Date Issued: December 16, 2005 Date Revised: March 23, 2009; Octber 1, 2011

More information

FACT SHEET BORROWING THROUGH SUPER. Prepared by Brett Griffiths, Director Superannuation Consulting e bgriffiths@vincents.com.au

FACT SHEET BORROWING THROUGH SUPER. Prepared by Brett Griffiths, Director Superannuation Consulting e bgriffiths@vincents.com.au FACT SHEET BORROWING THROUGH SUPER Prepared by Brett Griffiths, Directr Superannuatin Cnsulting e bgriffiths@vincents.cm.au FACT SHEET Since September 2007 Self Managed Superannuatin Funds (SMSF s) can

More information

Applying Project Management Principles to Life Insurance

Applying Project Management Principles to Life Insurance Applying Prject Management Principles t Life Insurance Kenneth W. Gdfrey, CLU, ChFC, CFP President & CEO Life Insurance Financial Evaluatins, LLC Octber, 2012 Applying Prject Management Principles t Life

More information

Morgan County REQUEST FOR PROPOSAL 2016-0211-010 PROJECT NAME: GIS TECHNICAL SUPPORT AND DEVELOPMENT SERVICES

Morgan County REQUEST FOR PROPOSAL 2016-0211-010 PROJECT NAME: GIS TECHNICAL SUPPORT AND DEVELOPMENT SERVICES Mrgan Cunty REQUEST FOR PROPOSAL 2016-0211-010 PROJECT NAME: GIS TECHNICAL SUPPORT AND DEVELOPMENT SERVICES Mrgan Cunty 218 West Kiwa Avenue, P.O. Bx 596 Frt Mrgan, Clrad 80701 PH: 970-542-3500, ext. 1410

More information

Municipal Advisor Registration

Municipal Advisor Registration FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

0820.02 Workers Disability Compensation Claims Procedures Issued: January 1, 1994 Revised: March 29, 2012

0820.02 Workers Disability Compensation Claims Procedures Issued: January 1, 1994 Revised: March 29, 2012 State f Michigan Administrative Guide t State Gvernment 0820.02 Wrkers Disability Cmpensatin Claims Prcedures Issued: January 1, 1994 Revised: March 29, 2012 SUBJECT: APPLICATION: PURPOSE: CONTACT AGENCY:

More information

Third Party Originator Application

Third Party Originator Application Third Party Originatr Applicatin Applicant Infrmatin Third Party Name: Primary Address: City: State: Zip Cde: Primary Cntact: Telephne Number: Email Address: Fax Number: Website Address: Branch Lcatins

More information

REQUEST FOR PROPOSAL SECURITY SERVICES

REQUEST FOR PROPOSAL SECURITY SERVICES REQUEST FOR PROPOSAL SECURITY SERVICES Sectin I INTRODUCTION [Cmpany] is seeking prpsals frm qualified Cntractrs t prvide unifrmed security service fr [Cmpany] facilities at [Lcatin(s)]. This dcument is

More information

An employer s Guide to engaging an occupational health physician

An employer s Guide to engaging an occupational health physician An emplyer s Guide t engaging an ccupatinal health physician When and why d emplyers need the services f ccupatinal physicians? Being in business invlves risk. Business pprtunities are inherently uncertain

More information

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate August 7, 2009 Cmparisn f the Cverage Prvisins in the Affrdable Health Chices Act as Apprved by the Senate HELP Cmmittee and the Huse Tri-Cmmittee Bill, H.R. 3200, America s Affrdable Health Chices Act

More information

Reduce Your Homeowner Insurance Rates

Reduce Your Homeowner Insurance Rates Reduce Yur Hmewner Insurance Rates One f the mst frequent cmplaints I get frm my clients is the cntinued escalatin f hme insurance rates. Rates are increasing because f the years lng series f weatherrelated

More information

Camera Operator General Liability Program

Camera Operator General Liability Program Camera Operatr General Liability Prgram Frequently Asked Questins Guide (Page 2) General Liability Plicy Highlights Cverage Summary Additinal Cverage Optins Hw t Apply (Page 4) Abut this Plicy What des

More information

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs We enclse material which sets ut: Letter f Engagement Infrmatin fr clients which lawyers are required by the New Zealand Law Sciety t prvide; and Our standard terms f engagement. Services t be prvided

More information

Check List Forming a Small Business

Check List Forming a Small Business Frming a Small Business Intrductin: Each year, thusands f Americans catch the entrepreneurial spirit, launching small businesses t sell their prducts r services. The City f Auburn, Office f Ecnmic Develpment

More information

SEC FLASH REPORT. June 28, 2011

SEC FLASH REPORT. June 28, 2011 SEC FLASH REPORT The Securities and Exchange Cmmissin Issues Prpsal t Strengthen Audits and Reprting f Brker-Dealers t Prtect Custmer Assets and Requests Cmments June 28, 2011 On June 15, 2011, the U.S.

More information

Data Protection Policy & Procedure

Data Protection Policy & Procedure Data Prtectin Plicy & Prcedure Page 1 Prcnnect Marketing Data Prtectin Plicy V1.2 Data prtectin plicy Cntext and verview Key details Plicy prepared by: Adam Haycck Apprved by bard / management n: 01/01/2015

More information

Accident Investigation

Accident Investigation Accident Investigatin APPLICABLE STANDARD: 1960.29 EMPLOYEES AFFECTED: All emplyees WHAT IS IT? Accident investigatin is the prcess f determining the rt causes f accidents, n-the-jb injuries, prperty damage,

More information

Guide to TEMPORAY AGENCY WORKERS RIGHTS

Guide to TEMPORAY AGENCY WORKERS RIGHTS Davies and Partners Slicitrs Guide t TEMPORAY AGENCY WORKERS RIGHTS Latham Huse 135 Aztec West Rwan Huse 57 Queen Anne Street 33-34 Paradise Street Almndsbury Barnett Way Lndn Birmingham Bristl Barnwd

More information

Digital Employment - European Challenges

Digital Employment - European Challenges Digital Emplyment - Eurpean Challenges The third annual seminar in ur Digital Emplyment series Wednesday 18 March 2015 Agenda 6.00 pm Welcme and intrductin Bring Yur Own Device - where are we nw? Finders,

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

Proposed Regulations Released on Health Care Reform s Individual Mandate Provision

Proposed Regulations Released on Health Care Reform s Individual Mandate Provision Fr Immediate Release: February 2013 Emplyee Benefits Cmpliance Breaking News Vlume 2013 Issue 3 Prpsed Regulatins Released n Health Care Refrm s Individual Mandate Prvisin On January 30, 2013, the Departments

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

Contractor Focus Legal View From Dundas & Wilson on Commonly Asked Construction Contract Questions

Contractor Focus Legal View From Dundas & Wilson on Commonly Asked Construction Contract Questions Cntractr Fcus Legal View Frm Dundas & Wilsn n Cmmnly Asked Cnstructin Cntract Questins 1. Des the level f my PI insurance cap my financial liability under the cntract? I was recently asked this questin

More information

CORPORATE CREDIT CARD POLICY

CORPORATE CREDIT CARD POLICY TITLE: POLICY OWNERS: DATE INSTITUTED: May 1, 2008 CURRENT VERSION: Ver. 1.6 REVISION DATE: July 1, 2015 Crprate Credit Card Plicy Melissa Cluse, Vice President & Cntrller Cindy Klein, Accunts Payable

More information

Financial Planning Agreement

Financial Planning Agreement Financial Planning Agreement This Financial Planning Agreement, the ( Agreement ), dated as f, 20, is by and between Vulcan Investments LLC, 2100 SuthBridge Pkwy, Suite 650 Birmingham, AL. 35209, an investment

More information

CORPORATIONS LAW SUMMARY

CORPORATIONS LAW SUMMARY CORPORATIONS LAW SUMMARY LAWSKOOL PTY LTD Cntents INTRODUCTION 5 Frms f Legal Assciatin 5 Administrative and Legislative Structure f Australian 5 Crpratins Law SEPARATE LEGAL ENTITY 7 Classifying Cmpanies

More information

Contractors Policy Summary Contractors Insurance Policy Summary 07.2015

Contractors Policy Summary Contractors Insurance Policy Summary 07.2015 Cntractrs Plicy Summary Cntractrs Insurance Plicy Summary 07.2015 Plicy Summary This dcument prvides a summary nly f the significant aspects f cver (including restrictins) prvided by the One Cmmercial

More information

Virginia State Taxes

Virginia State Taxes Crprate Incme Tax Rate: 6% The crprate incme tax rate in Virginia has nt been mdified since 1972. As it is applied t federal taxable incme, it functins as a deductin frm federal taxes. If a crpratin is

More information