If you own a small business, at some point you're going to need a lawyer. Contrary to popular perception, lawyers do more than solve problems. An experienced small-business lawyer can help you start your business, look over and negotiate proposed leases, and prepare contracts. Attorneys help you comply
With so many lawyers running around these days, you'd think it would be easy to find a great one for your small business. Unfortunately, a surplus of trained legal professionals doesn't mean they all have the expertise you need. You're going to have to search to find just the right legal expert. Start with referrals from accountants, bankers, successful small-business owners, and trusted friends. Bar associations offer referral services as well, but they don't tell you much about the lawyer — just that they're a member of the bar.
Also, make sure you are up to speed on the relationship that you will have with your lawyer. For more information, read The Attorney-Client Relationship.
Once you've compiled a list of candidates, narrow your choices with the information available in the Martindale-Hubbell Law Directory. The easiest way to access the directory is through Lawyers.com. The site lists most practicing lawyers, and offers brief biographical sketches, including information about experience and specialties. Almost every lawyer is rated according to confidential opinions solicited from lawyers and judges.
Tuesday, July 21, 2009
Travel insurance
Travel insurance is insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country,annual travel or internationally.
Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from 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 n travel medical insurance.
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 for travel vacations.
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
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
In addition, often separate insurance can be purchased for specific costs such as:
pre-existing medical conditions (e.g. asthma, diabetes)
sports with an element of risk (e.g. skiing, scuba-diving)
travel to high risk countries (e.g. due to war or natural disasters or acts of terrorism)
Common Exclusions:
pre-existing medical conditions
war or terrorism - but some plans may cover this risk
injury or illness caused by alcohol or drug use
Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.[1]
Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.
Typically travel insurance for the duration of a journey costs approximately 5-7% of the cost of the trip.
Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from 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 n travel medical insurance.
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 for travel vacations.
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
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
In addition, often separate insurance can be purchased for specific costs such as:
pre-existing medical conditions (e.g. asthma, diabetes)
sports with an element of risk (e.g. skiing, scuba-diving)
travel to high risk countries (e.g. due to war or natural disasters or acts of terrorism)
Common Exclusions:
pre-existing medical conditions
war or terrorism - but some plans may cover this risk
injury or illness caused by alcohol or drug use
Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.[1]
Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.
Typically travel insurance for the duration of a journey costs approximately 5-7% of the cost of the trip.
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