Tag: cover

Cover Letter Example For Business Plan #business #consultant


#sample business plan

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Cover Letter Example For Business Plan

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Is comprehensive auto insurance worth it? What does comprehensive auto insurance cover? #comprehensive #auto

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What does comprehensive auto insurance cover?

The first thing to do when considering comprehensive auto insurance – or any other type of insurance for that matter – is read the fine print. Some policies don’t cover certain kinds of damage, such as damage to GPS navigation or satellite radio systems that aren’t permanently installed in the car, while others cap the amount of coverage for these items [source: Maine Bureau of Insurance ].

A driver should also consider whether the car is likely to be exposed to hazardous conditions. A car parked on a busy city street, for example, is probably more likely to be damaged or stolen than one that is parked in a secure garage and, as a result, likely subject to a higher comprehensive insurance rate [source: Cadet ].

Keep Reading Below

Ultimately, the car’s value is the most important factor in determining whether comprehensive coverage is a good idea. In the event that a covered car is damaged, the most that this coverage will pay out is the cash value of the car at the time it was damaged, less the deductible amount. For a car that’s not worth much – perhaps because it’s old or banged up – the payout may be less than or equal to the cost of the insurance [source: Allstate ].

Consider for example a car worth $1,000 at the time that it is mauled by a cougar that escaped from the local zoo (or, more likely, stolen or damaged by a falling tree branch). If the owner has comprehensive insurance with a $500 deductible, the most the coverage will pay is $500. With comprehensive rates averaging about $113 a year, a driver who’s paid for the coverage for four or five years may get a payout close to what the driver has already paid in premiums. One common rule of thumb is that the annual cost of comprehensive auto coverage should be less than 10 percent of the vehicle’s cash value [source: Consumer Reports ].

In other words, the purpose of comprehensive auto insurance is to protect the value of the car from non-accident damage. If the value is already low, it may not be worth protecting.

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Online courses and career resources #online #courses, #distance #education, #resume #writing, #cover #letters, #career

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Structural engineer courses

Here’s how others rate Career FAQs:

Popular Searches

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  • Correspondence degrees in mechanical engineering
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Looking for Engineering opportunities in Australia ?

There are currently 24,382 Engineering job openings in Australia*. The average salary for an Engineering job in Australia is $111,493.

The Australian Government Department of Employment estimates a projected employment growth to 2018 of 88,700 jobs for the Engineering industry in Australia .

Gaining an Engineering qualification will significantly increase your career prospects for Engineering jobs in Australia. Studying an online course with an accredited Australian provider gives you the flexibility you need to study at your own pace.

Employment in the Engineering industry in Australia

Australia has a population of 23,625,031, with a total of 11,645,500 people currently employed. The average job seeker age for Australia is 37 years and the current unemployment rate sits at 5.7%. Part-time workers make up 46% of the workforce in Australia .

Education in Australia

  • The percentage of people employed in Australia with a bachelor’s degree or higher qualification: 29%
  • The percentage of people employed in Australia with a cert III or higher VET qualification: 31%
  • The percentage of people employed in Australia without a post-school qualification: 36%

Disclaimer: Career FAQs Pty Ltd ABN 39 299 617 067 (Career FAQs) markets the education and training services of a range of Australian tertiary course providers, and receives a commission from them for each prospective student. Career FAQs is not an education provider. All material and information regarding our education providers and their courses – on our site, via email, or over the phone – is delivered through our capacity as their agent. The material shared with you on the website is provided as general information only. It is not intended as professional advice, and should not be taken as such. All information is provided in good faith, and is believed to be accurate and current as at the date of publication. However, Career FAQs provides no guarantee that any information or material on the website, or linked websites, will be accurate or complete. Please see our privacy policy for more information.

Career FAQs 2017

Career FAQs markets a range of courses from leading Australian tertiary education providers and receives a commission from them for each prospective student.


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Online courses and career resources #online #courses, #distance #education, #resume #writing, #cover #letters, #career

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Construction project management courses

Here’s how others rate Career FAQs:

Popular Searches

  • What qualifications do i need to be a project manager
  • Advanced diploma project management
  • Bachelor project management
  • How to become a project manager australia
  • Career path to become a project manager
  • project management courses wollongong
  • project management courses melbourne short courses
  • Software project management courses

Looking for Project Management opportunities in Australia ?

There are currently 32,663 Project Management job openings in Australia*. The average salary for a Project Management job in Australia is $82,056.

The Australian Government Department of Employment estimates a projected employment growth to 2018 of 88,700 jobs for the Project Management industry in Australia .

Gaining a Project Management qualification will significantly increase your career prospects for Project Management jobs in Australia. Studying an online course with an accredited Australian provider gives you the flexibility you need to study at your own pace.

Employment in the Project Management industry in Australia

Australia has a population of 23,625,031, with a total of 11,645,500 people currently employed. The average job seeker age for Australia is 37 years and the current unemployment rate sits at 5.7%. Part-time workers make up 46% of the workforce in Australia .

Education in Australia

  • The percentage of people employed in Australia with a bachelor’s degree or higher qualification: 29%
  • The percentage of people employed in Australia with a cert III or higher VET qualification: 31%
  • The percentage of people employed in Australia without a post-school qualification: 36%

Disclaimer: Career FAQs Pty Ltd ABN 39 299 617 067 (Career FAQs) markets the education and training services of a range of Australian tertiary course providers, and receives a commission from them for each prospective student. Career FAQs is not an education provider. All material and information regarding our education providers and their courses – on our site, via email, or over the phone – is delivered through our capacity as their agent. The material shared with you on the website is provided as general information only. It is not intended as professional advice, and should not be taken as such. All information is provided in good faith, and is believed to be accurate and current as at the date of publication. However, Career FAQs provides no guarantee that any information or material on the website, or linked websites, will be accurate or complete. Please see our privacy policy for more information.

Career FAQs 2017

Career FAQs markets a range of courses from leading Australian tertiary education providers and receives a commission from them for each prospective student.


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Does My Business Need Terrorism Insurance? #what #does #malpractice #insurance #cover


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Does My Business Need Terrorism Insurance?

Terrorism insurance is offered separately or as a special addition—called an “endorsement” or “rider”—to your standard commercial property insurance policy. A standard business policy alone will not cover losses caused by terrorism.

Terrorism coverage is a public/private risk-sharing partnership that allows the federal government and the insurance industry to share losses in the event of a major terrorist attack. The Terrorism Risk Insurance Act (TRIA), which was enacted by Congress in November 2002, ensures that adequate resources are available for businesses to recover and rebuild if they are the victims of a terrorist attack. Under TRIA all property/casualty insurers in the U.S. are required to make terrorism coverage available.

Q. What is covered by terrorism insurance?

A. A commercial terrorism policy covers damaged or destroyed property—including buildings, equipment, furnishings and inventory. It may also cover losses associated with the interruption of your business. Terrorism insurance may also cover liability claims against your business associated with a terrorist attack.

Q. What’s excluded in a commercial terrorism insurance policy?

A. Depending on your state, a terrorism insurance policy may exclude coverage for fire following. Nuclear, biological, chemical and radiological (NBCR) attacks are also excluded, except in the life, health and workers compensation lines of insurance.

Cyber risks are also an emerging terrorist threat. It is possible that property damage or injuries to employees could be caused by a cyber-attack—for instance an attack that causes equipment to malfunction. On the other hand, most computer attacks are not violent and do not cause physical damage. In general, terrorism insurance is unlikely to cover a cyber-attack, and a small business concerned about this risk should consider purchasing separate cyber liability insurance.

Q. How does terrorism insurance work?

A. Losses are only covered by a terrorism insurance policy if the U.S. Department of the Treasury officially certifies an event as an act of terrorism. This requires that the act be violent and be driven by the desire of an individual or individuals to coerce U.S. civilians or government. No act shall be certified by the Secretary as an act of terrorism if property and casualty losses, in the aggregate, do not exceed $5 million. The act must also cause at least $100 million in damage to be considered a terrorist attack.

The definition of a certified act of terrorism has been expanded to cover both domestic and foreign acts of terrorism.

Factors to Consider When Deciding Whether to Buy Terrorism Insurance

About 60 percent of U.S. businesses have terrorism insurance. A few factors to consider when deciding whether or not to insure yourself against terrorism include:

  • Business Location —Rural and residential areas are less likely to be targeted by a terrorist attack. Commercial urban centers, as well as airports and train stations, have a higher risk for terrorist attack.
  • Cost —Premiums for terrorism coverage range from $19 to $49 per million of insured value, depending on the size of the company. The expense generally represents 3 to 5 percent of a company’s property insurance costs.
  • Type of Business —Certain industries—such as the energy sector—have a higher risk of being targeted for terrorist attacks. If your business is part of a high-risk industry, you may want to consider purchasing terrorism insurance.

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What Does A Businessowners Policy (BOP) Cover? #what #does #general #liability #cover


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What Does A Businessowners Policy (BOP) Cover?

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs include:

  1. Property insurance for buildings and contents owned by the company — there are two different forms, standard and special, which provides more comprehensive coverage.
  2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
  3. Liability protection, which covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.

Insurance Topics

Insurance Topics at a Glance

I.I.I. Features

© Copyright 2017, Insurance Information Institute, Inc. – ALL RIGHTS RESERVED


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Home Insurance – Cover for your home #home #insurance, #house #insurance, #home #insurance #buildings,

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Home Insurance.

Home insurance that gives you peace of mind.

With our Home insurance you get to choose from two levels of cover; Essentials if you want to pay less and Extra if you want to cover more. Get Buildings Insurance. Contents Insurance or both from us.

  • Includes cover for Fire, Flood, Storms, Subsidence, Escape of Water and Theft
  • A 24 hour legal and domestic helpline
  • Annual or monthly payment options
  • UK based call centres
  • Renew your policy online using our online payment portal for annual payments
  • Over 90 years of experience in insuring homes

Buildings Insurance

Cover for loss or damage from many causes such as, fire, explosion, lightning, storm, flood; theft and escape of water.

You can also get combined cover from us, add Contents cover to your Buildings insurance.

Contents Insurance

Cover for your household goods and personal belongings from causes such as fire, storm, flood and theft.

You can also get combined cover from us, add Buildings cover to your Contents insurance.

Extra and Essentials – our Home Insurance at a glance

Extra Home Insurance provides a more comprehensive level of cover for a wider range of events, includes some Accidental Damage cover as standard and the option to add additional cover options like Extended Accidental Damage, Personal Possessions cover inside and outside the home and Family Legal Protection.

Essentials Home Insurance provides a lower level of cover, but still includes important protection against events like fire, flood, storms, subsidence, escape of water and theft, with the option to add additional cover like Accidental Damage, Personal Possessions cover inside and outside the home and Family Legal Protection.

Our Buildings insurance also provides Home Emergency cover for up to 500 for Essentials and up to 1000 for Extra – giving you reassurance, should the worst happen.

Important information

Our home insurance is designed to cover certain unforeseen events and doesn’t cover everything. It doesn’t cover things like general wear and tear or damage that happens gradually over a period of time. There’s also an excess on each claim.

To find out more about what is and isn’t covered by our policies, please read the policy summaries and booklets, which can be found in the Key Documents section.

Need further help?

Whether you’re already a customer and have a question about your policy or looking to find out more about our Home Insurance, our frequently asked questions pages will help you find the answer. If your still unsure or want to talk to us, give us a call and we’ll be happy to help you.


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Degree Programs – Greatwood University #online #degrees, #online #university, #online #universities, #accredited #online #university,

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Degree Programs

A smarter way to be competitive in business environment

Degree Programs

Greatwood University offers the best online degree programs which are fully accredited and internationally recognized. Online degree programs at Greatwood University are comprehensively designed by industry experts and scholars to ensure students receive superior knowledge and valuable skills to be used in real world scenarios. We provide students with an excellent opportunity to become career ready by acquiring academic qualification in the relevant field and unleash your true potential. Online degree programs offer strategic direction and a new insight to focus on real world leadership and managerial positions.

  • Associate Degree
  • Bachelor’s Degree Program
  • Master’s Degree Program
  • Doctorate Degree Program

Associate Degree

Associate’s degree programs at Greatwood University equip students with skills and knowledge which facilitates lifelong learning and allows them to achieve managerial or leadership position in their respective field. We help you earn an online associate’s degree in a flexible and affordable way. This program is rigorous and professionally designed to fit around the demands of busy students and working adults.

Eligibility Criteria

Eligibility Criteria

A-Levels, GSE, High School Diploma or equivalent international education


  • Bachelor’s Degree

    Bachelor’s degree programs at Greatwood University is a perfect starting point to move up the career ladder by acquiring a solid academic credential in a respective field. It prepares students for the professional world challenges and opportunities. It helps students develop academic, systematic and intellectual thinking skills. The comprehensive curriculum equips students with industry responsive skills and advanced knowledge.

    Eligibility Criteria

    Eligibility Criteria

    A-Levels, GSE, High School Diploma or equivalent international education


  • Total Credit Hours


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  • Is mold damage covered by homeowners insurance? #does #renters #insurance #cover #mold


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    Is mold covered by insurance?

    Homeowners insurance covers mold damage if it was caused by a “covered peril.” Otherwise, an insurance company will likely not cover mold damage. There are exceptions, which we will get into later in this article.

    Home insurance policies usually don’t cover mold that resulted from a preventable water leak, flooding, or high humidity.

    Home insurance companies also typically don’t pay for maintenance issues that insurers think a homeowner should have prevented. Insurers expect homeowners to proactively take care of those problems before they need to file an insurance claim.

    Home insurance covers mold if a “covered peril” caused the mold. In that case, your home insurance policy will likely pay for repairs and clean-up.

    Here are some of home insurance’s covered perils:

    • Fire
    • Lightning
    • Vandalism or malicious mischief
    • Damage caused by vehicles
    • Theft
    • Falling objects
    • Weight of ice, snow, or sleet
    • Accidental discharge or overflow of water or steam from plumbing, heating, air conditioners, sprinkler systems, or household appliances
    • Frozen pipes

    Let’s take a look at some real world examples. When home insurance will likely cover you:

    • An ice dam forms in a roof gutter during a rough winter and water backs up under your shingles. The water leaks into your attic, soaks your attic floor and insulation, and creates mold.
    • A pipe bursts in your home and dumps gallons of water on the floor and saturates drywall while you’re at work. Mold begins to form before you call.
    • A washer hose springs a leak and damages behind your washer. The washer hose isn’t old, you stop the leak, and report the damage immediately, but not before mold forms.

    These are “sudden and accidental” incidents. Insurance companies typically cover this type of damage. In fact, non-weather-related water damage is one of the most common home insurance claims and one of the most expensive.

    When home insurance will likely NOT cover you:

    Your basement pipes freeze and burst. You don’t notice it for a few weeks. Now, you have a few inches of water on your floor and mold growing.

    Broken shingles on your 40-year-old roof allows water into the attic. Water saturates wood and insulation and leads to mold in the attic.

    Mold forms in your shower. You don’t think much about it until one day you notice that it’s really unsightly and you’re concerned about whether it’s making your family sick.

    In these cases, an insurer will likely not cover the damage. Why? An insurance company expects you to take care of your house. That means properly ventilating the bathroom, replacing an old roof, and checking your basement regularly. An important reason to stay on top of home maintenance.

    Also, the standard homeowners insurance policy does not cover water damage caused by a flood. Thus if a flood causes water damage that leads to mold, the resulting mold issue would not be covered by your home policy.

    A separate flood policy, will cover mold and mildew, as long as it s not caused by the homeowner s failure to inspect and maintain the property after the flood. That means, once you can get back into your home, you need to start trying to clean up and keep mold from growing or spreading.

    How do I know if my home insurance policy covers mold?

    As mentioned earlier, home insurance companies usually don’t cover mold damage unless it’s directly related to a “covered peril.” The good news — there are exceptions.

    Check your homeowners insurance policy to see if there is any language about mold claims. Some insurers offer limited coverage for mold claims. This may mean limiting how much the insurer will pay for a mold-related claim. Or an insurer may increase the cost of a home insurance policy if you have mold-related coverage.

    If you don’t have mold coverage, you can buy an endorsement to your insurance policy that adds mold coverage. An endorsement is when an insurance company adds additional coverage to a regular home insurance policy, for an additional fee.

    Some home policies provide a limited amount of coverage for mold claims. This can be by capping the amount the insurer will pay, for example at $5,000, or stating that the insurer will only pay for certain services, such as clean-up, and excluding others, such as testing and remediation.

    What if my home has had mold problems before?

    Insurance companies hate risk. In fact, the insurance industry is all about limiting risk.

    Risky homes, such as old homes with old wiring and plumbing, and risky areas, such as high-crime neighborhoods or homes near woods that often catch fire, usually have more claims. Insurance companies don’t like paying out many claims.

    The same goes for a home with mold or ones with previous mold-related claims. Insurance companies view those homes as risky.

    In that case, your insurance company will likely decline a mold endorsement or charge you a lot for that coverage.

    That means it might be worth paying for the mold removal yourself.

    How do I file a mold damage claim?

    Similar to any other home insurance claim, contact your insurance company as soon as possible to file a mold claim.

    If you’re not sure if your policy covers mold damage, check your home insurance policy or call your insurance company.

    Mold grows quickly so take photos and then stop the source of the leak and clean up the water before calling your insurance company. An insurance company expects you to be proactive in fixing problems and avoiding further damage.

    Here are the steps to take:

    • Stop the leak. You might need to shut off the water to your home if you have a leaky pipe or patch a hole if there’s water coming from your roof.
    • Remove the water with a mop or wet vac. If there’s a lot of damage or clean up, call a company that specializes in removing water and clean-up.
    • Remove rugs, insulation, and any other materials that can collect water and become breeding grounds for mold.
    • Open windows and doors and use fans to dry out the area.
    • Wash the area thoroughly. Use non-ammonia detergent and water to clean hard, nonporous surfaces, such as metal, glass, wood, and plastic. Scrub rough surfaces like concrete. Disinfect with water and bleach. Don’t mix bleach with ammonia or other household cleaners. Wear non-porous gloves and eye protection.
    • Call your insurance company with detailed information as to damages, what happened, and what prevention and clean-up you’ve done. Document what’s damaged, how much you paid for them, and when you bought them. Take photos.

    Don’t throw the materials away until you call your insurance company. Take photos and keep the damaged materials. An insurance adjuster might want to see the damaged materials. Put them in a garage or another place that’s away from your living areas until you meet with an insurance adjuster.

    If you are concerned about possible health risks, discuss with your insurance company if there is a need to move out of the house. If you do need to move out until the mold is removed, determine how much additional living expenses (ALE) your home insurance will provide you.

    How to prevent mold

    Mold forms and spreads quickly so it’s important to prevent mold by reducing moisture.

    The Centers for Disease for Disease Control and Prevention suggests the following ways to control mold growth:

    • Control humidity levels
    • Promptly fix leaky roofs, windows, and pipes
    • Thoroughly clean and remove water after flooding
    • Ventilate shower, laundry, and cooking areas

    Mold needs moisture and a “food source” to grow. Food sources include insulation, drywall, carpeting, and mattresses.

    Mold is most commonly found in places with high humidity. That can include under leaky pipes and appliance hoses, in attics under a leaking roof, and in basements with drainage issues.

    Buying mold insurance

    If you want mold insurance and it’s excluded from your homeowners insurance policy, ask your home insurance company if you can add an endorsement to your policy. An insurer bases the cost on your home and area’s risks.

    Mold endorsements will cost you more in humid areas and in older homes made with materials more prone to mold. The cost can range between $500 and $1,500 annually.


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    Home Appliance Insurance – Extended Home Appliance Warranty Plans, home appliance insurance cover.#Home #appliance

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    Prices based on SquareTrade 3-Year Protection Plans and Sears 3-Year In-Home Master Protection Agreements as of Aug 3, 2016. SquareTrade Protection Plans cover up to four claims, or up to the limit of liability, and exclude coverage for re-installation, preventative maintenance, cosmetic damage, and reimbursement for incidental loss.

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    Repairing appliances can cost as much as buying them new. With SquareTrade, you’re covered for all mechanical and electrical failures from normal use, including 100% parts and labor with no deductibles. We help you schedule an in-home repair appointment with a technician in your area—and we pay the technician directly, so you’re completely covered.

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    SquareTrade provides warranties for iPhones, iPads, laptops, and other electronics. Compare us against more costly insurance coverage plans. We cover drops, water damage, and all sorts of accidents. We’re consistently rated five stars by customers for our quick and easy claims process. Our customers are the best.


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