Occurrence is a term that means an accident, including continuous or repeated exposure to conditions, which results in bodily injury or property damage neither expected nor intended from the standpoint of the insured. In some lines of business, such as contractors insurance liability, an occurrence is distinguished from accident in that the loss doesn’t have to be sudden and fortuitous and can result from continuous or repeated exposure which results in bodily injury or property damage neither expected not intended by the insured

Non-Owned Auto is a term signifies an auto that is neither owned, hired, nor borrowed by the insured under a commercial auto policy. Employees’ cars used in company business are commonly classified this way. The employer’s auto liability cover for use of non-owned autos is covered by entry of symbol 1 (“any auto”) or symbol 9 (“non-owned autos”) on the declarations page. They may be an additional premium charged for this coverage.

Net premiums earned is the adjustment of net premiums written for the increase or decrease of the company’s liability for unearned premiums during the year.

Laser teeth whitening is normally done in three 20-minute bleaching treatments. With laser teeth whitening treatments you are able to walk out of the dental office with your teeth a lot brighter. With laser bleaching, a barrier is put around the gums and a strong bleach is put on your teeth. A laser light is used to activate the bleach to make it work. A down side of laser teeth whitening treatments can be the cost since laser whitening is the most expensive of the teeth-whitening options available.

The Net Premium is the amount of premium minus the agent’s commission.

Handyman Insurance will help to protect you from some of the risk of your trade as noted below

1) Personal injury or property damage that you may cause others while working

2) Damage to your tools and equipment during use, or while they are in transit from one job site to another

3) Theft of equipment and tools

4) Damage to the vehicle you use for business purposes, as well as injury to others you may cause

Motor Vehicle Record is an official record of a driver’s accidents and traffic violations kept by the licensing state(s). Often used to determine eligibility and/or premiums for auto insurance.

If you are an aggregate hauler who is leased to a motor carrier, then your motor carrier may provide primary liability insurance coverage for your dump truck while you are on the job. However you will normally need to find your own physical damage insurance.  If you are a motor carrier operating under your own authority, then you need full coverage insurance.

An elimination period is the time which must pass after filing a claim before policyholder can collect insurance benefits. This is also known as “waiting period.”

TMJ or temporomandibular joint disorders often poorly understood even by many of it sufferers. However failure to fully understand what TMJ is can also prevent people from receiving proper diagnosis and care. TMJ, is a disorders that can affect the proper alignment of your jaw. Even though millions of Americans currently suffer from TMJ, it remains a commonly undiagnosed disorder.

This is largely due to the fact that the symptoms of TMJ can be similar to other disorders. In some cases, the symptoms of TMJ may seem entirely unrelated to the jaw joint. There can be several signs of TMJ within the jaw such as clicking noises when you chew, lockjaw, and tenderness around the cheeks and jaw. TMJ may also have symptoms including: Pressure behind the eyes, Ear ringing or vertigo, Frequent migraine, tension, or sinus headaches, Neck aches and Postural problems. Frequently, TMJ is diagnosed during your biannual cleanings and examinations with your dentist.

Minimum Premium is a contractors insurance company lowest charge for an insurance policy.

A surety bond or surety is a promise to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation.

ACV (Actual Cash Value) is the value of a car with year, make and model taken into consideration. Wear and tear of the vehicle, age and mileage are also factors.

A Cosmetic dentist can use porcelain dental veneers to fix many dental problems. Porcelain veneers are a durable cosmetic treatment that conceals visible imperfections of your teeth, letting you have a stunning, flawless smile. Porcelain veneers can improve a wide range of cosmetic dental issues, which includes Chipped, Stained, Misshapen, Worn, Gaps between teeth, Unevenly sized teeth, Uneven tooth length, and Crooked teeth. The only way to know if veneers are right for you is to consult a cosmetic dentist. There are some dental insurance plan that will over benefits for veneers as well as low cost dental discount plans.

A contractors general liability coverage in which the insurer reimburses without regard to the insured’s liability, the insured and others (as specifically provided in the policy) for medical and funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

Loss Incurred is the net paid losses during the current year plus the change in loss reserves since the prior year end.

Loss reserve is the estimated liability, as it would appear in an insurer’s financial statement, for unpaid insurance claims or losses that have occurred as of a given evaluation date. Usually includes losses incurred but not reported, losses due but not yet paid, and amounts not yet due. For individual claims, the loss reserve is the estimate of what will ultimately be paid out on that claim

The ratio of incurred losses and loss-adjustment expenses to net premiums earned. This ratio measures the company’s underlying profitability, or loss experience, on its total book of business.

When you are facing an emergency dental situation, it is best that you have prompt, effective emergency dental care. Emergency dental situations can quickly deteriorate and result in additional problems and even hospitalization. When choosing and emergency dentist you want to make sure they offer 24/7 emergency dental care.

See if the emergency dentist offers CEREC restorations. If the dentist offers this chair-side option it means he/she is on top of current technology that can make your dental visit more comfortable and effective. Look at the dentist qualifications It is preferable to find a dentist who has several years of experience helping people in emergency situations.

Bodily injury liability coverage pays for damages for injury or death resulting from a covered accident for which you are determine at fault. It may also provide you with funds for a legal defense.

The declarations page is the page in your policy that includes basic information, such as your name and address and a description of the vehicle(s) insured; the effective dates of the policy; the amount of insurance coverage and the premiums.

Joint and Several Liability is a legal doctrine whereby a creditor or claimant may demand payment or sue one or more of the parties separately, or all of them together.

When insurance policies are written on an “indemnification” basis, the insurance company will reimburse the insured for claim costs already paid. Technically, the insured must not only suffer a loss, but must also pay the loss before being reimbursed (indemnified) by the company.

Dental problems are not uncommon and everyone is vulnerable. Although with that say you an also protect your oral health by sticking to a good oral hygiene routine. To help prevent the common dental problems such as cavities, proper oral hygiene is important. Brushing twice a day and flossing once a day reduces plaque on your teeth.

Gum disease is the leading cause of adult tooth loss. Gum disease is caused by infection and inflammation of the gums. Gum disease is initially caused by plaque. Untreated plaque progresses into hardened tartar, and the plaque and tartar infect your gums. One way to help prevent gum disease is once again proper oral hygiene.

A hold harmless agreement is a contractual assumption by one party of the liability exposure of another. Lease agreements, for example, commonly require the tenant to hold the landlord harmless for bodily injury or property damage experienced by others on the premises.