Professional Liability Insurance vs General Liability Insurance
Instinctively, if you are going into business then you are well aware of the circumstances that could surround the service or products you are offering. For this reason, you have probably found yourself here to figure out what you need, whether that is professional liability insurance or general liability insurance.
General Liability Insurance generally is going to cover you from the standpoint of injuries, casualties, personal damages, and other aspects that you would expect to be the case based on having an insurance policy. There is nothing wrong with having this form of insurance policy.
Pre-pay your travel costs so they are covered by travel insurance
Often, when people purchase travel insurance, they dont think about all the extra fees and travel costs. Its important to remember that only pre-paid travel costs are covered under the trip cancellation, trip interruption, and cancel for any reason coverage. That means its important to pre-pay for travel fees such as airline surcharges – airlines add extra fees for items like peak holiday travel days ($10-$50), seat selection, and more.
If you pre-pay for those fees, and include them in the total trip cost when you enroll in your travel insurance plan, those fees are more likely to be reimbursed as long as you cancel or abandon your trip for a covered reason.
Insure pre-paid hotel rates
Many hotels – especially during the busy holiday seasons – offer packages and rate discounts for travelers who purchase and pay for their rooms ahead of time. In many
One in five people ‘not to take travel insurance’
A survey for organization Abta suggested that one in five UK holidaymakers head off not to take travel insurance on holiday. The poll of 2,018 people had found that if there were something wrong, a similar proportion thought the UK government would be covering the cost. However, Abta forced people to purchase insurance at the same time as booking a holiday. The survey said that when booking, the most important factor was safe and secure accommodation. John de Vial as Abta head of protection said that so many people put their and finances at risk by traveling abroad without insurance so that it was very worrying.
Good hotels make guests feel special, says expert
Many people are still willing to splash out on luxury.
Travel insurance policyholders should seek out hotels that allow them to relax and feel special, it is claimed.Giuseppe Cosmai, general manager of Le Mas Candille – a five-star hotel situated in the south of France – suggests the most luxurious residences will encourage occupants to feel at home.Very good food is also a priority for many tourists, so checking the credentials of the chef might be a wise move.Another way to gain a sense of luxury is to book a stay where there is a spa, as treatments are ideal for pampering and unwinding.Mr Cosmai also notes that personalisation of service can be essential for smaller hotels and guest houses, so people should be welcomed and shown to their rooms individually.”I try to have a talk with all of the guests during their stay and to have a cocktail prepared for them every Friday in high season.
Prudential Profits Rise on Overseas Gains
Prudential Financial Inc, one of the world’s largest life insurers, has posted a 23 percent rise in third quarter profit. Prudential has attributed much of its growth in the past year to the particularly robust performance of its Asian operations, and has been looking to further develop its business in the region to better protect itself against the market turmoil currently engulfing the United Sates and Europe.
In an interim statement released by the Newark, New Jersey-based company today, net income rose to US$1.53 billion on nearly US$10 billion in revenue for its third quarter reporting period ending September 30th. This was up from US$1.24 billion in income claimed for the same period a year earlier. E