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Rating 4.4 stars (11) · Free 76 - Insurance Planning and Risk Management (3) Submit proof of loss (4) Cooperate with the insurance company in every way G Part F General provisions The key provisions are (1) The term of the policy may be changed or waived only by an endorsement signed by the company (2) The policy provides that the insurer will not provide coverage for any insured that has made fraudulent statements with any accident or loss (3) The policyholder may cancel the policy by notifying the company in writing (4) There is a subrogation clause that applies to all coverage H Many companies give discounts for at least some of the following: higher deductibles; elimination of collision coverage for older cars; no accident for some period of time, generally three years; smoking avoidance; students with good grades; driver s education course for young drivers; a defensive driving course; airbags and automatic seat belts in vehicle; other policies with the same company; travel short distances to work; individuals over age 25; women (versus men); and married people (versus single) I There are three primary areas in auto insurance that may not be covered (1) When someone is living in the same house as the owner but is not listed on the insurance policy It is vital to include all appropriate family members on the insurance policy It is generally recommended to insure children under the owner s policy, even if the children are away at school (2) When the accident occurs during business use (3) When travelers reject insurance coverage through a rental company; their insurance policy may not fully cover rental cars, especially if accidents happen outside of the United States 3 Business and business activity A Commercial property insurance Protecting real and personal property used in business The coverage applies to losses from most perils other than those that relate to crime, transportation, and boiler explosion B Business income insurance Protects against loss of income after the occurrence of direct physical damage to business property C Boiler and machinery insurance Covers a wide range of damage to personal and real property and can be written to provide business income and extra expense coverage Generally used to cover items not covered by commercial property and business income insurance D Inland marine insurance Specialized transportation insurance characterized by coverage of speci c goods in transit E Crime insurance Protects the business against losses that arise from illegal activities such as burglary, robbery, extortion, forgery, employee dishonesty, and theft F Commercial general liability (CGL) insurance Protects business owner against claims by members of the public who are injured or suffer a loss in, or as a result of, the business The policy provides little or no coverage for (a) liability to employees, (b) liability arising from rendering or failure to render professional services, and (c) liability arising from automobile, aircraft, or watercraft A client who suffers a nancial loss because a nancial planner implemented an incorrect investment transaction is not covered by CGL insurance. pdf to docx converter software download: Download Free PDF to Word Converter 2.0.0903 pdf to word converter software full version free download Download Free PDF Software | Nitro
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The two JMS distribution models have different affects on the reliability of message consumption PTP messaging enqueues new messages as they're produced and only dequeues each message once (no matter how many consumers there are) Thus, a producer can be assured that a consumer has the opportunity to receive all messages However, to ensure that multiple clients receive that message it has to create a destination for each client In contrast, pub/sub messaging allows a producer to broadcast a message to multiple clients, but normally ensures only that a client has the opportunity to receive these messages during periods when the subscription is active Under the default scheme, any messages sent before the subscription is created or during client downtime aren't received Often this makes sense when old messages aren't useful and new messages aren't critical For example, if you're broadcasting noncritical stock quotes (for general use, not day-trading), a pub/sub model can be a natural fit However, many times it's desirable to have reliable message delivery to multiple consumers To achieve this, JMS offers durable subscriptions These are subscriptions where the provider assures the producer that a consumer will receive all of the messages for a given subscription until either the messages expire or the subscription is unsubscribed Each subscription is associated with a single subscriber To ensure that messages created before the subscription starts can be consumed, the delivery mode should be persistent Topic 25: General Business Liability - 77 G Commercial auto insurance When an auto is not eligible for PAP, it is generally provided similar coverage under a commercial auto policy H Workers compensation and employers liability (WC&EL) insurance If an employee is hurt on the job, even because of his or her own negligence, the injury is covered 4 Umbrella policy A An umbrella liability policy provides liability coverage in excess of the limits or exposures in basic liability policies Coverage is typically $1 million or more B The two functions of the umbrella policy are (1) To provide increased coverage when the limits of the basic coverage are inadequate to cover future judgments (2) To provide broader coverage than that provided by the basic policy or policies (the homeowners and auto policies would both be basic policies) C The umbrella insurer requires the insured to have adequate underlying basic liability policies before an umbrella liability policy will be issued For example, a typical insurer may insist that the insured have auto liability limits of $100,000/$300,000/$50,000 and minimum CPL coverage of $300,000 D If the policy owner fails to maintain adequate underlying coverage, the insurer will pay only the amount it would be required to pay had the underlying policy been in force For example, assume a $1 million umbrella policy with the required underlying limit of $250,000 per person under an auto liability policy, but the insured s liability limits are only $50,000 If an injured party obtains a legal judgment of $750,000 against the insured, the underlying auto policy will pay $50,000 and the umbrella policy will pay $500,000 The insured would have an uninsured loss of $200,000 E Exclusions to umbrella liability insurance include (1) Owned or leased aircraft and watercraft (2) Business pursuits (unless these exposures are covered by a basic policy or policies) (3) Rendering or failure to render professional services (4) Claims normally covered by workers compensation (5) Intentional injury (6) Damage to property owned by the insured, or damage to nonowned property in the insured s care, custody, and control. + + + | symbol | price | + + + | SUNW | 78 | | YHOO | 24.45 | | MSFT | 3.24 | + + + 3 rows in set (0.00 sec) In this section, we'll get a better feel for the details involved in writing a messaging application Instead of discussing how to do this under the different models (PTP or pub/sub) and reliability configurations (persistent delivery, nonpersistent delivery, durable subscriptions, and nondurable subscriptions), we will stick to our Red Planet example, which involves distributing price updates to resellers This means that we'll commit to specific set of JMS deployment options Coding under an alternative messaging model with alternative reliability configurations is very similar to what will be presented here In thinking about our specific Red Planet example, a few immediate observations and corresponding decisions can be made Clearly, the role of message producer is played by the main pricing application at headquarters and the consumer roles are played by the applications used by the resellers Since this means that price updates are being distributed in a one-to-many fashion, the natural delivery model for Red Planet is JMS publish/subscribe We should note that reseller applications may crash or be unavailable for reasons that Red Planet can't control Price updates are not tangential to business they are the business so failure to receive a message can impact a reseller (it will be charging the wrong price!) 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