CONSUMER INSURANCE. You acknowledge and agree that you are required to take out consumer insurance over the financed electronic or consumer item. The Consumer Insurance policy is mandatory for all financed Handsets and other electronic devices and may apply to other consumer items at the discretion of the Lender. The premium rate shall be 5% of value of financed item to cover fire, special perils, burglary, terrorism and 10% of value of asset to cover fire, special perils, burglary, terrorism, damage subject to a minimum premium Kshs. 1500. The term of the Insurance cover shall be for the duration of the loan. In the event of loss or damage of the financed item, you will be required to have completed paying at least 50% of the loan amount for the financed item/electronic to be replaced or repaired. The Risks covered under the Consumer Insurance are: - (i) Fire and Special perils – Following fire, water, lightening, Explosions, impacts of vehicles, trees and animals, earthquakes and malicious damage. (ii) Theft/Burglary –threats or intimidation, actual forced entry into the borrower’s premises. (iii) Terrorism risks included In the event of damage or loss under the risks covered, you are required to: (i) Notify the Lender with 24 hours and fill in claim form provided (ii) Provide the us with the following documentation: a. Police Abstract – For theft/loss explaining in detail the circumstances of loss/theft b. Phone Blockage Certificate from mobile network operator – In the case of Handset theft / loss c. Quotation – If electronic is damaged, a quotation of how much it will cost to fix it will be required. The Consumer Insurance cover does not include the following: - (i) Loss or damage arising from wear and tear or depreciation or the action of light or atmospheric conditions (ii) Loss or deterioration occasioned by any process of cleaning, repairing and restoring. (iii) Manufactures defects. Touch screen display failure. (iv) Loss or damage directly or indirectly caused by seizure, confiscation, and destruction by government law enforcing agents. (v) Third party liability. (vi) Loss or damage as a result of distortion, erasure, corruption or alteration of Electronic Data. (vii) Loss or damage directly or indirectly caused by fluctuation, or insufficiency of electricity. (viii) Any infidelity, fraudulent, dishonest of staff/family members of the insured whether acting alone or in collusion with others. (ix) Loss or damage arising directly or indirectly from use of drugs and a...

CONSUMER INSURANCE. The Swedish Insurance Contracts Act (2005:104) contains rules on, inter alia, liability insurance for consumers, i.e. against economic loss resulting from property damage, indemnification liability, or other pure economic loss. These rules do not cover personal insurance, such as life, medical and casualty insurance. According to chapter 2 section 2 of the Act a period of contract longer than one year is not allowed, except where there are exceptional circumstances. The reason for this rule is that the consumer should then have the option to consider whether he or she would prefer to change or discontinue the insurance. The insurance companies do not mind this short duration of insurance, since they are given an opportunity to alter their premiums or other conditions (see below). Upon the expiry of an insurance contract, it is renewed automatically unless notice is given (chapter 3 section 4). The possibility for the insurance company to give notice of termination is restricted, and it is only allowed under exceptional circumstances (chapter 3 section 3). For instance, an unusually large amount of damages or a refusal to follow safety requirements can be regarded as an exceptional circumstance. The insurance companies’ reasons for not prolonging the contract shall be weighed against the interests of the consumer to continue with the insurance. If the insured does not except the notice of termination, he or she may contest the validity of the notice in court (chapter 7 section 3).

CONSUMER INSURANCE. In relation to consumers, insurance companies commonly use standard terms. Thus, it is possible to talk about contract terms that are generally applicable between a company and its customers. The Insurance Contracts Act is based on this condition. In the same way as in franchise contracts, the terms of consumer insurance contracts may be changed in connection with the renewal of a contract, usually once a year. Where the insurance company wishes to amend the insurance policy, the company shall specify the amendment in writing no later than in concurrence with the premium demand for renewal (chapter 2 section 5). The Act specifies the content of the information required. New terms and conditions must be stipulated separately (chapter 2 section 6). If the consumer pays the insurance premium, he or she is bound by the terms presented by the company. This does not mean that the insurance company is free to propose any terms whatsoever. According to the travaux preparatoires, changes in contract terms are not allowed in individual cases if their purpose is to scare a consumer away. Such an offer would be regarded as a notice of termination, and any such notice is allowed only under exceptional circumstances.21 This regulation shows clear similarities to the prolongation clauses of franchise contracts. It does not intend to secure fair or balanced contract terms, but only to guarantee that individual consumers are not treated worse than the remaining consumer collective. In this way, the regulation gives the consumer some protection against arbitrary behaviour on the part of the insurance company.

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Health Insurance Portability and Accountability Act Grantee certifies that it is in compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), Public Law Xx. 000-000, 00 XXX Parts 160, 162 and 164, and the Social Security Act, 42 USC 1320d-2 through 1320d-7, in that it may not use or disclose protected health information other than as permitted or required by law and agrees to use appropriate safeguards to prevent use or disclosure of the protected health information. Grantee shall maintain, for a minimum of six (6) years, all protected health information.
Terrorism Insurance Insurance required under Section 6.10(a)(i) and (ii) and Section 6.10(b) will provide coverage for acts of terrorism. Terrorism coverage may be provided through one or more separate policies, which will be on terms (including amounts) consistent with those required under Section 6.10(a)(i) and (ii) and Section 6.10(b). If Insurance against acts of terrorism is not available at commercially reasonable rates and if the related hazards are not at the time commonly insured against for properties similar to the Mortgaged Property and located in or around the region in which the Mortgaged Property is located, then Lender may opt to temporarily suspend, cap or otherwise limit the requirement to have such terrorism insurance for a period not to exceed one year, unless such suspension or cap is renewed by Lender for additional one year increments.
Safety Policy The City agrees to maintain in safe working condition all facilities and equipment furnished by the City to carry out the duties of each bargaining unit position, but reserves the right to determine what those facilities and equipment shall be. The Association agrees to work cooperatively in maintaining safety in the Xenia/Xxxxxx Central Communications Center.
Commercial Crime Insurance This policy is required only if Contractor handles or has regular access to a JBE’s funds or property of significant value to the JBE. This policy must cover dishonest acts including loss due to theft of money, securities, and property; forgery, and alteration of documents; and fraudulent transfer of money, securities, and property. The minimum liability limit must be $500,000.00. To the extent that Contractor utilizes subcontractors, all subcontractors shall comply with and perform in accordance with the provisions of this Section 3 (Insurance).
Health Insurance The Couple agrees that: (check one)
Health Insurance Portability and Accountability Act of 1996 This paragraph was intentionally left blank.
Group Health Insurance The Employer shall provide a comprehensive health care insurance program for all permanent full-time and part-time employees. Health Plan characteristics and benefits shall be as provided in the Employer’s Agreement with the Ohio Civil Service Employees Association (hereinafter OCSEA). Regardless of the plan, employees will pay fifteen percent (15%) of the premium and the Employer will pay eighty-five percent (85%) of the premium; however for any alternative plans offered pursuant to the Agreement with OCSEA, the employees’ premium share will be determined by the Director of DAS, but will not exceed fifteen percent (15%) of the premium. The Employer’s premium share shall be paid on behalf of eligible employees as provided in the Employer’s Agreement with OCSEA. Employees who include a spouse as a dependent for healthcare coverage shall pay a surcharge as provided in the Employer’s Agreement with OCSEA. Eligibility provisions for employees enrolling in State provided health care plans shall remain the same as those in effect in the Employer’s Agreement with OCSEA. The Employer reserves the right to perform dependent eligibility audits upon recommendation of the Joint Health Care Committee. Health care costs paid on behalf of ineligible dependents will be subject to recovery. Deductibles, co-payments, and other plan design provisions for all benefit programs shall be the same as those prescribed in the Employer’s Agreement with OCSEA. Every year the Employer shall conduct an open enrollment period, at which time employees shall be able to enroll in a health plan, continue enrollment in their current plan, switch to another plan, subject to plan availability in their area, or waive coverage. The timing of the open enrollment period shall be established by the Director of the Department of Administrative Services (DAS), in consultation with the Joint Health Care Committee. Changes outside of open enrollment may only occur as prescribed in the Employer’s Agreement with OCSEA. Open Enrollment Fairs shall be held in accordance with Employer’s Agreement with OCSEA. There shall be established a Joint Health Care Committee composed of representatives of management, and of the various labor Unions representing State employees. The Committee shall meet regularly to monitor the operation of the State’s health care plans, and to make recommendations for the improvement of the plans and cost containment procedures. The Employer shall provide funding for dental, vision and the life benefits as described in Article 21 of the Employer’s Agreement with OCSEA and the Union’s Benefits Trust. Employee health insurance payments will be deducted from every paycheck. In the event an employee is receiving disability leave or Workers’ Compensation benefits, the Employer- policyholder shall continue, at no cost to the employee, the coverage of group health insurance for such employee for the period of such leave, but not beyond twelve (12) months. If the employee’s leave extends beyond twelve
Network Security and Privacy Liability Insurance During the term of this Contract, Supplier will maintain coverage for network security and privacy liability. The coverage may be endorsed on another form of liability coverage or written on a standalone policy. The insurance must cover claims which may arise from failure of Supplier’s security resulting in, but not limited to, computer attacks, unauthorized access, disclosure of not public data – including but not limited to, confidential or private information, transmission of a computer virus, or denial of service. Minimum limits: $2,000,000 per occurrence $2,000,000 annual aggregate Failure of Supplier to maintain the required insurance will constitute a material breach entitling Sourcewell to immediately terminate this Contract for default.
Malpractice Insurance During the entire contract period, and at the Contractor's own expense in whole or in part from contract funds, Contractor shall ensure that each of its attorneys has malpractice insurance coverage in the minimum amount required by the Oregon State Bar. Contractor shall provide proof of such insurance to PDSC on request.
Crime Insurance Contractor shall maintain during the term of the Contract Crime Insurance on a “loss sustained form” or “loss discovered form,” and coverage must include the following:  The policy must allow for reporting of circumstances or incidents that might give rise to future claims.  The policy must include an extended reporting period of no less than one (1) year with respect to events which occurred but were not reported during the term of the policy.  Any warranties required by the Contractor’s insurer as a result of this Contract must be disclosed and complied with. Said insurance shall extend coverage to include the principals (all directors, officers, agents and employees) of the Contractor as a result of this Contract.  The policy shall include coverage for third party fidelity and name “The People of the State of New York, the New York State Office of General Services, any entity authorized by law or regulation to use this Contract as an Authorized User and their officers, agents, and employees” as “Loss Payees” for all third party coverage secured. This requirement applies to both primary and excess liability policies, as applicable.  The policy shall not contain a condition requiring an arrest and conviction.  The policy shall include coverage for computer crime/fraud.

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