TRAVEL INSURANCE

TRAVEL INSURANCE

Travel insurance is insurance that is intended to cover medical expenses, financial (such as money invested in nonrefundable pre-payments), and other losses incurred while traveling, either within one's own country, or internationally.

Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often) travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.

Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.

The most common risks that are covered by travel insurance are:

* Medical expenses

* Emergency evacuation/repatriation

* Overseas funeral expenses

* Accidental death, injury or disablement benefit

* Cancellation

* Curtailment

* Delayed departure

* Loss, theft or damage to personal possessions and money (including travel documents)

* Delayed baggage (and emergency replacement of essential items)

* Legal assistance

* Personal liability and rental car damage excess

AUTO INSURANCE

AUTO insurance (also known as vehicle insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

Public policy

In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.

A 1994 study by Jeremy Jackson and Roger Blackman[1] showed, consistent with the risk homeostasis theory, that increased accident costs caused large and significant reductions in accident frequencies.

FINANCIAL SERVICES

Financial services refers to services provided by the finance industry.

The finance industry encompasses a broad range of organizations that deal with the management of money. Among these organizations are banks, credit card companies, insurance companies, consumer finance companies, stock brokerages, investment funds and some government sponsored enterprises. As of 2004, the financial services industry represented 20% of the market capitalization of the S&P 500 in the United States.

PROPERTY INSURANCE

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance. Property is insured in two main ways - open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion and theft.

CITIZEN INSURANCE

As more and more companies have pulled out of the Florida market due to the extraordinary number of hurricane and sinkhole related claims over the last few years, Citizens has become not the insurer of last resort but the insurer of only resort for many Floridians. The cost of insurance and its availability has thus become an important "hot button" issue in Florida, especially in the 2006 elections.

From their web site: In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property insurance Corporation (Citizens), whose goal is to more efficiently and effectively provide insurance to, and serve the needs of, home-owners in high-risk areas and others who cannot find coverage in the open, private insurance market.

VISITS---https://www.citizensfla.com/

GOLF INSURANCE

GOLF INSURANCE

IT IS TOTALLY RELATED TO THE GOLF GAME.

THE GOLFER AND IT'S EQUIPMENT.

AS WE KNOW GOLF IS THE EXPENSIVE GAME. SO IT'S RELATED STUFF TO PERSONS ARE TO BE OF HIGH COST. SO IN THE ACCIDENT OR BREAKEAGE OF EACH THING IT LOSES ALOT. FOR THAT IT IS NEEDED TO BE DONE INSURANCE WE CALLED IT AS GOLF INSURANCE.

NOW IN ALMOST ALL THE COUNTRY OF THE WORLD IS RELATED TO THIS GAME. MOSTLY IN USA,UK,JAPAN,FRANCE,GERMANY,INDIA,CHINA, AND OTHERS BIGGER COUNTRY'S WE CAN SEE A HIGH PRIZE TOURNAMENT. ALL NEEDS IS INSURANCE

GOLF IS THE RICH GAME OF ALL. SO THE HIGH COVER IS TO GOLF. IN THE WORLD LOTS OF GOLFER IS BEING HOSPITIALIZED. THEY PAY HIGH IN HOSPITAL.SO GOLF INSURANCE PAY ALL THE COVER FOR THE GOLFER.