> Weather The impact of weather on businesses is more complex than you might think. Weather obviously affects outdoor operations that depend on fair weather — for example, events like fairs, festivals, concerts, sporting events or filming.
> Earthquake coverage Quake coverage is available as additional coverage to standard commercial property and casualty policies. Earthquake coverage is available throughout Washington state, although it is relatively expensive for masonry structures and business operations with high-risk inventory or equipment.
> Indemnity Indemnity plans are also referred to as “fee-for-service.” Unlike managed-care plans, indemnity plans allow absolute freedom in selecting physicians or medical facilities and permit self-referral to a specialist.
Rhode Island Insurance Advisors & Nationwide News:
Make Sure Your Loved Ones Have Good Health Care
ERISA permits a parent to obtain a court order to provide coverage for children under the noncustodial parent’s health plan (called a qualified medical child support order).
ERISA Disclosure Provisions help to ensure that individuals covered by group health plans receive clear information about their rights, benefits, and obligations under the plan, including information about COBRA continuation coverage, access to urgent or specialized care, and composition of physician and other provider networks.
HIPAA includes protections for newborns and adopted children with preexisting conditions. Specifically, HIPAA does not permit a preexisting condition exclusion to be applied to a newborn or adopted child who enrolls within 30 days of birth or adoption.
ERISA Claims Procedures help ensure timely and fair review of plan denials of claims.
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our Rhode Island Insurance Advisors today:
Barrington
Bristol
Central Falls
Coventry
Cranston
Cumberland
East Greenwich
East Providence
Johnston
Lincoln
Middletown
Narragansett
Newport
North Kingstown
North Providence
Pawtucket
Portsmouth
Providence
Riverside
Tiverton
Wakefield
Warwick
West Warwick
Westerly
Woonsocket
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About property and liability exposures
If you operate a home-based business – either part-time or full-time – you might be uninsured for coverage and not realize it. Many home-based business owners mistakenly believe that their homeowner policy will provide coverage for their business operations. It’s true that your homeowner’s policy may provide a limited amount of coverage for business-related personal property in the home. But it may not provide full coverage for the added property and liability exposures that the home business represents.
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Latest News
Latest Insurance related news in
Rhode Island and nationwide:
Mar 02, 2007 - Secure The Right Care In Your Later Years HIPAA offers protections for individuals who have preexisting conditions, helping them to keep coverage for those conditio Read more >
Mar 02, 2007 - The Medigap Insurance Company When you have a Medigap policy, the insurance company must pay your doctor or provider directly when:
Mar 02, 2007 - Dwindling Insurance Pushing People To Financial Brink People who had medical expenses as part of their credit-card balances had much higher credit-card debt than those who did Read more >
Legal Disclaimers The information provided on Rhode Island Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
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