Shareholder Protection Insurance Case Study

Shareholder Protection Insurance Case Study

by photo Shareholder Protection Insurance Case Study Many UK Businesses have no idea how much they need shareholder protection.  In this example we will imagine a business run by two partners.  The business is an estate agency and is run by Bill and Ben.  The business has been established for a number of years and is doing well.  Both Bill and Ben are well known in the area and regarded as being the professional estate agents to go to.  When Bill and Ben set the company up they did so on a 50/50 basis and share the responsibilities, running and profits equally.  Both Bill and Ben are married with children. One day Bill is killed in a traffic accident.  Naturally Bill’s family and Ben are devastated.  From a business point of view Ben has lost a valuable partner in the business who contributed 50% to the running of the business.  He will be sadly missed and the business will never be the same again nor will it generate the same kind of turnover. For Bill’s family things will obviously never be the same again.  They have lost a husband, father and bread-winner.  However, they still have a 50% share in the business which should give them some income.  Bill’s wife has no knowledge of the running of an estate agency business, not that she is able to contribute in any way as she has children to look after. Ben now realises that not only has he lost a valuable business partner who made the business the success it is today, but he also has a new business partner who will contribute...
How To Save Money On Homeowners Insurance

How To Save Money On Homeowners Insurance

by PrairieWeb Internet Marketing How To Save Money On Homeowners Insurance In this article today I would like to talk about several tips, tricks, and tactics that just about everybody can use to dramatically and substantially lower the cost of homeowners insurance. Everybody that borrowed money from a bank in the form of a mortgage to purchase a house is required, usually by the bank, to purchase homeowners insurance. The reason this is the case is the bank wants to make sure that they are covered in case something happens to the house because for most people the house is the major form of collateral used to cover the loan to begin with. Even if the bank did not require homeowners insurance, it would still probably be a very good idea for you to own it because it would be horrible to lose everything you own in a fire or other disaster that destroyed your house without having some insurance to cover the loss. But that doesn’t mean we have to like it and that doesn’t mean we have to overpay for it, and that’s what I’d like to talk about in this article today. The first thing you should do is take a personal inventory of everything you own. If there is a disaster and your house is destroyed, this personal inventory is going to be very helpful and allow you to be accurate in your report. Be sure to keep this inventory somewhere other than your house such as a safe deposit box at a bank, or at a relatives house like your parents. This way it...
Nice Cheap Car Insurance Quotes photos

Nice Cheap Car Insurance Quotes photos

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IT Training Needs For Insurance Professionals

IT Training Needs For Insurance Professionals

by eclecticlibrarian IT Training Needs For Insurance Professionals Information Technology is now being used in every walk of life. Insurance Service Organizations are among the biggest users of IT. It is a challenge for Insurance Companies to keep their manpower updated on IT knowledge so that they can make best use of IT deployment. It is often seen that huge amount of money is spend on implementing a technology and at a later time found that either this was not the one needed or it remained under utilized. If we try to categorize the use of Information technology in Insurance service, we can put various uses in following three categories — Document and Knowledge Management, Workflow automation, and Analytics and Business Intelligence. Let us map these with some of the important Insurance functions such as Underwriting, Product Design, Product packaging, Policy Administration, Claims Management, Customer Relationship Management etc. Activities like Underwriting risks and Product design/ packaging depend a lot on Knowledge management, powerful analytics and Business Intelligence techniques. Every Insurance Organization must be having some software for Knowledge management and Business Intelligence or if not so, they must be implementing them in near future. For making best use of knowledge management and business intelligence techniques, users must have sufficient knowledge about when and where what technique can be useful. At the same time, they also need sufficient working knowledge on the software/ tool implemented or to be implemented in the organization. This knowledge is software dependent. If the software is changed in future, the screens and options will change and users will need to be trained again on the...
Income Protection Insurance – A Wise Move

Income Protection Insurance – A Wise Move

by eclecticlibrarian Income Protection Insurance – A Wise Move For those people who work it would be wise to take out some income protection insurance to provide an income when you are unable to work due to illness or injury. The last thing you need to do when you are unwell is worry about finances, adding stress to your condition and possibly impairing your recovery. As with all cover policies the amount you receive and the duration of the contract are dependent upon the amount you have paid for the product and your personal circumstances pertinent to the claim at the time. Whenever things change you must inform your policy provider because if your details do not match exactly the information on your policy your claim may be void and you could receive nothing. Don’t let laziness or an oversight preclude you from receiving what is rightfully yours. Read the small print and keep your provider up to date with any changes that might affect your policy – no matter how small. Change of name perhaps if you have married, change of address, change in salary, change of job or even job description might be pertinent as there are different classes of cover depending upon your occupation to be considered. Make a note in your diary or your calendar to call in quarterly or bi-annually to check if the details they have on record for you are up to date and relevant. You need to maintain you policy not just let it sit in a drawer and gather dust. Income protection is not life cover – there are no...