Commercial roofing protects buildings from precipitation and has a flat slope. Materials include shingles, clay/ceramic tiles, cedar/pine, slate, metal, and membrane roofing. Metal and membrane roofing are cost-effective options. Commercial roofing is a building material used to protect and seal the top of commercial structures. It covers the structural framing and prevents rain and other […]
HMOs offer different types of coverage: staff, group, and network models. Each has advantages and disadvantages, with the network model being the most common but requiring specific procedures. Staff and group models limit choice but have simpler paperwork. Health Maintenance Organizations (HMOs) are one of the most common types of insurance coverage available. There are […]
Mobile devices allow users to stay connected to high-speed internet on the go. Research carriers’ coverage maps, determine equipment needed, optimize network settings, and test connections for best results. With mobile devices, a user can stay connected to the internet without having to be at home. Recent technological advances in mobile networks offer the average […]
Insurance coverage law deals with disputes between policyholders and insurance companies over benefits not paid after claims have been filed. Attorneys negotiate and litigate cases, reviewing policies and interpreting legal language to determine coverage and exclusions. Insurance coverage law deals with coverage disputes that arise between policyholders and insurance companies. The subject of the conflict […]
Uninsured motorist coverage helps cover expenses when the at-fault driver does not have auto insurance, including repairing damage to the vehicle and treating injuries sustained by the insured driver or passengers. It can also provide compensation for damage to personal property. It is important to have this coverage as uninsured motorists may not have assets […]
Business coverage is when two or more entities are considered as a single business due to shared assets, personnel, or skills. It is regulated by the Fair Labor Standards Act and requires commercial activity that is interstate in nature and a minimum annual turnover. Government entities, schools, and companies that meet the criteria are included, […]
Fire insurance provides coverage for losses incurred due to a fire, including belongings, temporary living expenses, and cleanup costs. It can be purchased as a supplement to a homeowner’s policy and requires a detailed claim. Deliberate acts of arson invalidate coverage and may result in criminal prosecution. Fire insurance is a type of property insurance […]
Comprehensive coverage is a type of insurance that can cover damages to cars or other items caused by events other than car accidents, such as weather damage. It may be required for car loans, and the price varies based on deductibles and the value of the item being insured. Comprehensive coverage is a type of […]
Replacement cost coverage is an insurance type that pays for the cost of a new asset in case of loss or damage, regardless of the original asset’s value. It is more expensive than cash value or repair cost coverage, but offers the most protection. Replacement cost coverage is a type of insurance based on how […]
The Cash Coverage Ratio formula determines if a business has enough funds to pay interest and operating costs. The ratio takes EBIT, non-cash expenses, and interest expense to show how much money a company has compared to its debt. A ratio greater than 1 is best, while less than 1 indicates bankruptcy. The Cash Coverage […]
Orthodontic procedures are expensive, but insurance can make them more affordable. However, insurance companies may be slow to pay dental providers. Orthodontia coverage may be more extensive for children than adults, and traditional dental coverage may not include orthodontia. Corporate employers offering dental and orthodontia insurance benefits are more attractive, but patients should confirm coverage […]
Fire insurance covers losses from fire damage to a home and personal belongings, and may also provide financial assistance for temporary accommodation and cleanup. It can be part of a homeowner’s policy or purchased separately. Coverage may be invalidated if the fire was intentionally set for insurance purposes. Fire insurance is a type of property […]
Health insurance options include HMO, PPO, and HDHP plans, each with varying copay rates and restrictions. Copay rates are determined by the insurance company and differ for in-network and out-of-network doctors. HDHP plans require meeting a high deductible before copays are waived. There are many options for health insurance with varying implications for the particular […]
Interest coverage is a financial indicator that shows a company’s ability to cover its interest costs. It is calculated by dividing earnings before interest and taxes by the amount of interest. A ratio of 1.5 or higher is recommended, and investors use this ratio along with other factors to make decisions about buying or selling […]
