Is Longshoremans Insur required by imperative or will state WC reasonably cover workers at a river dock.?
We offload coal in Pennsylvania from barges bad the river, stock pile and haul into trucks. I've be told Longshoremans is very expensive and also that state WC will also cover these workers. If it's not required, why reward more for coverage?Answers: OK, USL&H - US Longshoreman & Harbor, is an ENDORSEMENT on a workers comp policy. The standard workers comp policy - in ANY state, including PA, specifically excludes USL&H, and Maritime coverage, unless you supply it to the policy and pay for it.
Yes, it's extremely expensive. It STARTS at $25,000. It's going to be required by contract for whomever you're loading & unloading for, and you'll own to buy the endorsement if you want the contract.
It's not a stand-alone coverage.
I believe it required by tenet because the government have different rules for state claims and longshore (LH) claims. Some states such as CA allows the injured claimant to file for both state claims and LH claims.
So why reward for coverage? If a person who be injured at your dock and it was standard they are more likely want the best coverage thus LH would present them more coverage. However they might not get impossible to tell apart coverage as a state claim. So really they can do whatever they want. They can also sue you for not have LH coverage.
What does a customer service rep contained by the insurance industry do?
I have comparatively a bit of customer service experience in my framework - and I have basically applied for a customer service position for an ins. co.The ad said no experience be required, just a strong cust service setting.
I am trying to prepare for a possible interview, and wondered if anyone could fill me surrounded by on what could be some of the resp. of the position.
Thanks!
Answers: More than anything you will probably will be answering the phone and transferring calls to a license agent. In most states you are not competent to collect money, or quote policies unless you are license. You may have to help out with by distributing messages and marketing.
a csr responsabilities will depend on what your boss wants you to do, from answering phone to work up quotes, steal payments, make unsophisticated changes to policy similar to phone, or address etc. basic stuff you will be doing as ably as faxing papers, and maybe some telemarketing. in a minute if you like the insurance business tried to receive licensed is not hard or expensive and you will be making more money. hope this help!
Will the first insurance company retribution no claim bonus to the second insurance company on first renewal?
In automotive insurence renewal, if costumer changes insurance company and have no claims, will the first insurance company pay no claim bonus amount to the second insurance company on first renewal by costumer? which second insurance company give that as discount to the costumer.Answers: If you are eligible for any "no claims" bonus, it is always rewarded directly to the named policy holder(s) and to not a soul else as that is the legitimate scope and definition of policy ownership. However, you necessitate to consult your policy and/or agent regarding the 1st insurance company prior to departing as sometimes, it may not pay you once you enjoy left as per the expressions of the bonus agreement outlined within the plan's program as not adjectives companies (majority whole) do not offer such programs
As to no prior claims, several "2nd" companies reduce the amount of policy permanent status premium as your "bonus" and take that into justification upon each renewal cycle if you verbs to remain accident, driving journal, and claim free
You can avail no claim bonus only while you rate renewal premium with alike insurance company.
good luck
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