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Carbon monoxide (CO) is often called the “silent killer” for a reason — it’s invisible, odorless, and tasteless, yet can be deadly. According to the U.S. Consumer Product Safety Commission, more than 200 people in the United States die each year from carbon monoxide poisoning, most often due to malfunctioning gas appliances. The American Medical Association reports even higher numbers and identifies CO poisoning as the leading cause of accidental poisoning deaths in the country.
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Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.If your business is forced to close your risk is not limited to temporary loss of income, which can be devastating in and of itself.You also run the risk of losing customers who turn elsewhere for their product or service needs.You may have difficulty paying key suppliers during an income interruption causing further long term loss as those suppliers sever their business relationship with your company.
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Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% - 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines.
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Ocean marine insurance is sometimes referred to as "wet" Marine Insurance. Since Ocean marine insurance is designed for property transported by water it would seem to make sense that Inland Marine Insurance would apply to goods and property transported by land and could be called "dry" Marine Insurance. That is accurate enough but not nearly a complete description of Inland Marine Insurance.
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Ocean Marine Insurance is generally regarded as the oldest form of insurance. In fact, the term 'underwrite', which dates back to 1430, was literally the practice of accepting risk for the transit of ocean vessels and their cargo by signing your name under a contract listing a description of the shipment. Today, ocean marine insurance policies are used to cover watercraft of varying descriptions (hull coverage), cargo and liability related to various marine activities. The common policy types that fall into the broad category of ocean marine insurance include: Hull Insurance, Marine Cargo Insurance and Yacht Insurance.
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