Tag: insurance & pension
Are you a question which should not be underestimated in a condo or a House to buy? Then you have guaranteed a lot around the ears. Don’t forget however, on the topic of insurance”to think (what, you admit, quite can happen when all the stress of such major purchase between visits, notary appointments and an eventuellebn renovation). Above all, if you were previously a tenant, you are with the topic of homeowners insurance “understandably not familiar. While this insurance can help protect you in the event a safe world. For more specific information, check out neil cole iconix. Please note the following when the House or apartment purchase: the insurer must be informed immediately about the purchase, and at the latest after conclusion of the purchase contract at the notary. This can be done both by the previous owner or by the purchaser.
Note: If you forget this point, the real estate is a month later no longer insured. After you have communicated the purchase (or sale) to the insurer, the existing insurance contracts is automatically transferred to the new owners, no matter whether it wants this or not. However like to determine as the new owner of the insurer and the insurance coverage, you have a right to a special cancellation one month from land registry entry. In plain language this means: either on the date of registration in the land register or the next contractual maturity is the ability to terminate the insurance contract. Assuming, the new owner has no information about the homeowners insurance at the time of registration of land, starting the period with the date of the notice about the existing contract.
If the contract is not terminated within this period, it remained valid. Seller and purchaser is however should be aware, that the insurer has the right to the premium to next main maturity, no matter whether it has or not used the above scheme of special termination. The insurer is therefore no premium refund. Therefore it is advisable to consider this case in the contract of sale and contractually hold a fair arrangement for both parties. This could provide, for example, the pro rata distribution of the premium from the date of the land to pay until the next major maturity. Can be on each case based on advise.
“” New: optional performance enhancements provide more flexibility providing media liability light now with the performance enhancements of contractual liability “and world-wide coverage”. On its redesigned Web site the insurance Portal-specific professional liability with comprehensive extension of the tariff selection and scope of insurance media offers for freelance and independent journalists. From the practice for the practice: The media liability light developed by exali end of 2008 together with the specialist insurer Hiscox. The experience of the past years incorporated the functionality of the new Web site as well as a comprehensive upgrade of the insurance tariff. Our portal is now better structured and provides all relevant tariff information to the professional liability at a glance. In addition, the customer has the possibility to request the desired scope of insurance quickly and easily online with a post advantage. In the documents, such as the insurance certificate are created in real time”, explains Ralph Gunther, Managing Director of exali. This upgrade of the light media liability was the logical answer to the increased demands of the Webworkers”, the exali Chief. Google penalty, fail in a social media campaign or a late finished Web shop: for media clients, the financial disadvantages can be huge and consequently their claims for compensation. “” Flexible scope of insurance business start-ups and growth supports the combination of rate variations with different insurance sums, as well as the two new performance enhancements contractual liability “and world-wide coverage” allows the entrepreneur to choose a very cheap insurance protection with greater flexibility. According to the development of its business insurance cover it can grow in the future. The upgrade function in the customer area of exali, the policyholder can always customize the sums insured and additional services to expand the scope of the insurance. This changes the Professional liability be immediately documented and thus part of the contract. The best possible insurance protection focus in times of social media and Web 2.0 are the requirements on media professionals and Webworkers always global and diverse. exali want therefore convince with its simple and effective online service and with specific insurance coverage be groundbreaking for its target audience. So that damage can be handled smoothly, it is a prerequisite that the professional indemnity and public liability take into account the industry-typical risks of media professionals and agencies”, so Gunther. In the new fare were therefore grouped the asset liability with the business liability insurance in a condition and painted the Sublimits for the operational area. At the same time, the contribution of business liability insurance has been reduced. Another innovation: Violations of copyrights, personal rights, naming rights, trademark rights, competition rights and licensing rights were already insured, be explicitly listed in the new terms and conditions for more transparency. Similarly with damages resulting from the disclosure of sensitive information, the transmission of viruses, worms, Trojans, and publishing content for their own products or services. Another advantage is the new pre sales coverage. Thus, the insurance coverage includes all occurring during the term of professional liability insurance claims. At the time of damage causing it not is. “Also if necessary: contractual liability and worldwide coverage with the new power extension of contractual liability ‘ we go beyond the traditional coverage of a professional liability with the exali concept of special”, so Gunther. Most insurers would assume only claims for damages, arising due to legal liability (E.g. law of obligations in the BGB) but no damage due to contractual arrangements with the contracting authority, that the beyond the legal regulations. Tightening liability regulations are about exemption from liability of the customer, obligations of so-called service level agreements (SLA BBs), an agreed burden of proof or regulations that exclude the plea of contributory negligence of the customer. Who uses not only its own contracts for his business, but by contracting authorities must accept the conditions, agreements, and terms and conditions, is with the extension on the safe side. With the power expansion of worldwide coverage ‘ media can extend the insurance coverage for Europe on a global protection. As by the rapid spread of information about Internet damage still difficult regional can be limited, a worldwide insurance coverage has become important for the freelancers and the small agency. For more information about the media liability light there at:… Ralph Gunther