| Mass Marketing |
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| Mass marketing in the insurance field is the presentation of a selling message to induce a number of insureds at one time to purchase insurance policies. It has changed the traditional method of selling insurance on a one-on-one basis. More... |
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| The CGL Policy Exclusion for Damage to the Insured's Property |
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| The standard comprehensive general liability policy insures a business against liability arising from personal injury or property damage suffered by a third party. Various exclusions are included in the CGL policy, including Exclusion J -- Damage to Property, that are designed to limit coverage to third party injury or damage. More... |
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| Crimes of Insurance Agents |
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| Insurance agents are subject to punishment under both general criminal statutes and insurance-related statutes in state insurance codes based on their conduct in relation to insurers and insureds. Criminal penalties may still apply even if the agent is subject to civil sanctions for his actions despite the constitutional prohibition against double jeopardy because courts usually do not consider civil fines to be so excessive as to transform the fine into a criminal penalty.
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| Insurer Rehabilitation |
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| An insurer is subject to much regulation in order to protect its insureds and creditors in situations in which the insurer suffers financial difficulties. Such regulation provides several methods of attempting to correct the insurer's problems. Rehabilitating the insurer is one such method. Rehabilitation is an attempt to salvage the insurer. More... |
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| Cost Comparison of Rating Programs for Traditional Insurance |
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| Traditional commercial insurance policies may be priced through a guaranteed cost rating, a dividend program, or a retrospective rating. Each of these alternatives has distinctive features that could affect the effectiveness of a risk management program. More... |
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