What type of policy covers unusual hazards typically not covered under ordinary accident and health insurance?

Answers

Answer 1
The answer is Special Risk Policies. A special risk is a sort of extra security strategy intended to cover people that have wellbeing or different qualities that speak to a higher-than-normal hazard to the insurance agency. A unique hazard strategy will in all likelihood cost more for a similar measure of scope than somebody with a standard hazard circumstance will.

Related Questions

At which level of an organization are employees continuously evaluating company operations to hone the firms abilities to identify, adapt to, and leverage change?

Answers

At the beginning level.

During which stage in team formation is there a high dependence on the leader for guidance and direction?

Answers

During the FORMING STAGE. Team formation is divided into four stages which are: forming, storming, norming and performing. During the forming stage, which is the first stage, the leader is highly dependent upon to set the ball rolling for the team. 

The answer is: forming stage

During the forming stage of the team formation, members of the team are still familiar with one another. They do not know the capabilities of their team partners and have not fully understand the team's goals.

During this stage, they need the guidance from the leaders to teach them about what the team wish to achieve. They also need the instruction regarding the roles division between each members of the team.

If the equilibrium wage is $9 in the market for hotel workers and $8 in the market for restaurant workers and both markets have similar elasticities of labor supply and demand, then a minimum wage of $4 in both markets will:

Answers

In such circumstances, the supply of labor in both markets will fall. The equilibrium salary for both industries is already at least twice as much the $4 rate. With such a low salary, there's no incentive to supply labor, especially if the situation is not critical that will compel people to accept almost any salary level in order to survive.

_____ processes include defining and authorizing a project or project phase.

Answers

Initiating processes include defining and authorizing a project or project phase.

Initiating process is the process used in Project management.

There are five process groups in project management: Initiating Process Group, Planning Process Group, Executing Process Group, Monitoring and Control Process Group and Closing Process Group.

Being a​ ________ is a major factor underlying repeat sales.

Answers

Being a customer advocate is a major factor underlying repeat sales.
If you always vouch for your customers, and try to provide them with goods of best quality, they will be more likely to buy more of your stuff and always return to your company for products. Thus, it is good to be on friendly terms with your customers.

A lucky individual won the state lottery, so the state will be sending him a check each month for the next 25 years. what type of annuity products are they likely to use to provide these benefits?

Answers

The type of annuity product they are likely to use to provide the benefits is IMMEDIATE ANNUITY. Immediate annuity refers to long term, contract that provide immediate regular payment. The payment may be scheduled to last for life or for a specified period of time. 
Final answer:

The state will likely use a fixed annuity to provide the lottery winner with a steady monthly income over the next 25 years. This type of financial product offers a guaranteed payout, similar to a defined benefits pension plan. While it provides a stable income, there can be a loss of buying power over time due to inflation.

Explanation:

The state will likely use a fixed annuity product to provide the individual who won the lottery with a check each month for the next 25 years. A fixed annuity is a type of retirement income product that offers a guaranteed payout, usually a fixed amount each month, and reflects a similar financial structure to a defined benefits pension plan. The annuity is fixed as it does not change over time, and despite any potential inflation, the payout remains constant. This can be both a benefit and a drawback, as while the individual can rely on a steady income, they may also face a loss of buying power due to inflation over time.

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Asking questions about the employer during an interview _____. makes you seem uninformed takes the focus off your qualifications and should be avoided is regarded as rude by some interviewers shows your interest in and knowledge of the employer

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Asking questions about the employer during an interview shows your interest in and knowledge of the employer.
By asking a question, you conveyed to the interviewer that you're paying attention to all the things you said and make you appear to be interested in the Company's operation.

Answer:

shows your interest in and knowledge of the employer

Explanation:

In recent years, polls show that ______ of respondents have favorable opinions about congress as a whole.

Answers

The congress is the legislating body of the federal government which is consisting of two chambers, the Senate and the House of Representatives. Recently, polls have shown that fewer than 35% of the respondents gave favourable opinions about this legislating body. This lack of trust must be because of the scandals or news about corruption tainting this legislation.


Answer: Fewer than 35% 

Which answer below lists the two main sources of air pollution in urban areas? vehicles and industries vehicles and volcanoes agriculture and vehicles industries and agriculture?

Answers

The first one; vehicles and industries.
Vehicles, obviously, can produce harmful amounts of chemicals that can seep into the atmosphere, and industries is a term that relates to factories and fuel burning buildings, which cause even higher amounts of damage. Plus, both are concepts seen in mostly urban areas. Agriculture is actually quite helpful to the environment, unless dangerously high amounts of pesticides are used, and volcanoes are nowhere near urban areas.

The lowest courts that hear cases related to federal law are called _____.

Answers

The three levels of the federal court system are the Supreme Court,the Appellate Courts and the Lower courts.
The federal court of claims is a specialized "lower court" for hearing cases involving the federal government (federal contracts, taxes, military pay and benefits, eminent domain, etc). 

What should tom notice about the cholesterol content of these foods?

Answers

Given:

Canned salmon without bones or skin: 2 oz, Calories 60, total fat 0.5 grams, saturated fat 0 grams, trans fat 0 grams, cholesterol 20 milligrams, protein 13 grams. 

Cheddar cheese: 1 oz, Calories 110, total fat 9 grams, saturated fat 5 grams, trans fat 0 grams, cholesterol 30 milligrams, protein 7 grams.

Lite Havarti cheese: 1 oz, Calories 80, total fat 4 grams, saturated fat 3 grams, trans fat 0 grams, cholesterol 15 milligrams, protein 8 grams. 

Pepperoni: 10 slices, Calories 130, total fat 11 grams, saturated fat 4.5 grams, trans fat 0 grams, cholesterol 30 milligrams, protein 7 gram.

Peanut butter: 2 T, Calories 200, total fat 15 grams, saturated fat 3 grams, trans fat 0 grams, cholesterol 0 milligrams, protein 9 grams. 

Egg: 1 whole, Calories 80, total fat 5 grams, saturated fat 1.5 grams, trans fat 0 grams, cholesterol 200 milligrams, protein 7 grams.

Sliced deli roast beef: 2 oz, Calories 80, total fat 2 grams, saturated fat 0.5 grams, trans fat 0 grams, cholesterol 25 milligrams, protein 13 grams. 

 

Tom noticed that all these foods contains high cholesterol, such as:

Canned salmon without bones or skin cholesterol 20 milligrams

Cheddar cheese cholesterol 30 milligrams

Lite Havarti cheese cholesterol 15 milligrams

Pepperoni cholesterol 30 milligrams

Egg cholesterol 200 milligrams, and;

Sliced deli roast beef cholesterol 25 milligrams

Read the sentence.

Manny wishes to sell candy bars to his classmates to earn extra money.

Which economic question identifies his consumers?


why to produce
for whom to produce
what to produce

Answers

Answer:

How to produce

The economic question identifies his consumers is for whom to produce. the appropriate response is option B.

What are economic questions?

These three issues are addressed by economists:

(1) What products and services ought to be created to satisfy customer demands?

(2) How to produce ?

3) For whom to produce?

The economic system of a nation determines the answers to these queries.

For whom to produce is the economic conundrum that takes into account the consumers. To make a profit by selling the goods and services they are making, the company must ascertain or assess the goods and services they are producing, for whom they are producing, whether for consumers or other companies.

Manny wants to sell the candy bars to the classmates under the following conditions, thus they are making for the classmates (they specify who they are producing for) in order to make extra money.

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In this type of control system, the master budget is based on a single prediction for sales volume, and the budgeted amount for each cost essentially assumes that a specific amount of sales will occur: sales budget. standard budget. flexible budget. fixed budget. variable budget.

Answers

The statement being described above is the fixed budget. A fixed budget is a type of having no flex or changing in terms of the sales. It could be described above as the sales above have its own specific amount and it only has a single prediction, in which it is likely that there is no change happening to it. That is why it is referred as the fixed budget.

From this statement, it can be concluded that it is an explanation of the "fixed budget". A fixed budget itself is a budget that will not be changed or will not be adjusted to developments during the fiscal year in question. This is in accordance with the above statement because it has its own specific amount and only has a single prediction, which can allow no changes to occur in the relevant fiscal year.

Further explanationDefinition of Budget

Business Budget or budget is a plan prepared systematically, which includes all company activities, which are expressed in monetary units and are valid for a certain period to come.

The following are some types of budget:According to the basis of the preparation of the budget consists of a variable budget and fixed budget.In terms of preparation, the budget consists of periodic and continuous budgets.In terms of time, the budget consists of short-term (tactical budget) and long-term (strategic budget).According to their fields, the budget consists of the operational budget and financial budget.According to the ability to compile, the budget consists of a comprehensive budget and a partial budget.According to its function, the budget consists of appropriation budget and performance budget.

Several types of budgets above will be discussed in the following.

According to the basis of preparation, the budget consists of:

Variable budget, i.e. the budget is arranged based on a certain interval (range) of capacities (activities) and is essentially a series of budgets that can be adjusted at different levels of activity (activity).A fixed budget, that is, a budget arranged based on a certain level of capacity. A fixed budget is also called a static budget.

According to the arrangement, the budget consists of:

Periodic budget is a budget prepared for a certain period, generally, the period is one year which is compiled at the end of the budget period.A continuous budget is a budget that is made to make improvements to the budget that was made, for example, every month improvement is made so that the budget made in one-year changes.

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Class: High School

Subject: Business

Keyword: Various budgets.

If total assets are $6,000, what is the vertical analysis for Cash when it has a balance of $2,400? A. 40% B. 60% C. 250% D. 25%

Answers

In a vertical analysis:
Percentage of Base = (Amount of individual item) /(Amount of Base)  x  100
Percentage of  Base = $6,000 / $2,400  x  100 =
= 0.4 x 100 = 40%
Answer:
A. 40%

"what developed country is projected to have the steepest decline in population between now and 2050?"

Answers

The answer is Japan. It is decreasing at a record pace. The country lost 244,000 people in 2013 as births jumped and deaths increased. It faces the vision of losing a third of its population in the next 50 years, raising uncertainties about its economic prospects and labor market.

In integrated pest management traps and glue boards are used primarily to

Answers

Integrated pest management (IPM) is a program that controls pests and helps pesticide applicators manage insects, plant diseases, weeds, and vertebrate pests.
In IPM traps and glue boards are primarily used to capture rats and mice without poison.
In order to protect the environment in the future non-chemical techniques should be considered and used whenever possible.

Answer:

eliminate pest

Explanation:

Water can remain in the ground as groundwater for up to 10,000 years. this is called the __________.

Answers

The type of water that can remain in the ground as groundwater for up to 10,000 years is called fossil water. This type of water is usually contained in an undisturbed place usually underground. This water is usually infiltrated for millennia and often different from the present. 

On a recreational boat, the location of emergency equipment (life jackets, fire extinguishers, visual distress signals, radio, etc.) should be reviewed before departure with which persons

Answers

The location of emergency equipment should be reviewed before departure with EVERYONE ABOARD the boat. This will make it possible for everyone in the boat to know where to get these equipment in case of emergency needs.

Final answer:

Before departing on a recreational boat, it is essential to review the location of emergency equipment with all persons on board to ensure their safety. This includes life jackets, radio, first aid kit, and other items necessary for survival and communication in case of an emergency.

Explanation:

On a recreational boat, the location of emergency equipment such as life jackets, fire extinguishers, visual distress signals, radio, first aid kit, and additional safety items should be reviewed before departure with all persons who will be onboard. This is a critical safety protocol to ensure everyone is aware of the safety procedures and where the equipment is located, which can be crucial in an emergency situation.

Items like prescription and non-prescription medication, water bottles and treatment supplies, waterproof matches, and emergency blankets should be included in the safety briefing. It's also important to have a portable NOAA weather radio to stay informed of weather conditions and to ensure that flashlights are available for each person, with extra batteries securely stored. By being prepared and ensuring all individuals are knowledgeable about the equipment and emergency procedures, the safety of everyone on board can be significantly enhanced.

Monique buys a new television for​ $795. she receives consumer surplus of​ $355 from the purchase. how much does monique value her​ television?

Answers

The value of the television for Monique is the same as the amount that Moniques is willing to pay for the television. We calculate this amount from the definition of consumer surplus. This term is a measure of consumer benefit. It is equal to the difference of the amount that the consumer is willing to pay for a certain good or service and the amount that the consumer really paid or the real price of the product or service. From this definition, we can calculate the value of the television for Monique.

Consumer surplus = value for monique - value paid
$ 355= Value for Monique - $ 795
Value of the television for Monique = $ 1150
Final answer:

Monique values her television at $440.

Explanation:

In this question, Monique buys a new television for $795 and receives consumer surplus of $355. The consumer surplus represents the extra value that Monique gained from the purchase of the television. To find the value Monique places on her television, we subtract the consumer surplus ($355) from the cost of the television ($795).

Value of television = Cost of television - Consumer surplus

Value of television = $795 - $355

The value that Monique places on her television is $440.

Which is the oldest form of money still in existence today?

Answers

the oldest form of money that still exist today is: Metallic money.
In the past, money is used in the form of Gold and silver coins. (Gold tend to be higher in value compared to silver)
Even though the amount of metallic money that we use today is far lesser compared to the past, we still use pennies for making small purchase

Final answer:

The oldest form of money still in existence today is the cowrie shell, used extensively since 700 B.C., particularly in regions like China, India, and Africa. Money has greatly evolved over the centuries to meet changing economic demands, but it has maintained its core functions in commerce and trade.

Explanation:

The oldest form of money that is still recognized in existence today is the cowrie shell. Cowries have a significant history of use that spans various cultures and continents, starting as early as 700 B.C. in China. These shells became a widely accepted medium for commerce across the broadest geographic areas including India, Africa, and even parts of Europe over the course of many centuries. Remarkably, cowrie shells maintained their value in certain parts of the world up to the early twentieth century, which is much longer than any form of metal-based or paper money that followed.

Money has evolved significantly from these ancient times. From cowrie shells to metal coins and more recently, to fiat currency and digital money like bitcoins, its form adapts to the needs of society and technology advances. Despite the many forms that money has taken, whether as cowrie shells, gold, silver, or modern fiat currency, the essential function of money has remained: to facilitate trade, act as a store of value, and serve as a unit of account.

Companies that successfully implement customer relationship management tend to

Answers

Companies that successfully implement customer relationship management tend to customize the goods and services offered to their customers.
These companies have a good relationship with the consumers and they often interact with them in order to know what their customers are interested in and what they want to buy. This way, the company can change its products if needed so as to appeal to their customers more.

A black worker is shown how to perform her factory job by a white male supervisor. according to the contact hypothesis, this situation would be unlikely to reduce prejudice because ________.

Answers

The answer to this question is that this question would be unlikely to reduce prejudice because the two individuals do not have equal status. Prejudice is an idea of a person to treat a person that is unfavorable or with bias that is sometimes based on the persons race, religion, sex, and other issues.   

Final answer:

The unequal power dynamics, lack of common goals, and insufficient support in the interaction hinder the effectiveness of reducing prejudice, as per the contact hypothesis.

Explanation:

The situation would be unlikely to reduce prejudice because of:

Unequal power dynamics: The contact hypothesis, as proposed by Pettigrew and Tropp (2006), suggests that for prejudice reduction to occur, conditions like equal standing between groups, common goals, and support from authorities are crucial. In this case, the white male supervisor holds a position of power over the black worker, creating an unequal dynamic.

Lack of common goals: If the two groups do not share common goals, cooperation, which is essential for reducing prejudice, might be lacking. The supervisor instructing the worker on a specific job task may not entail shared objectives beyond that immediate task.

Insufficient support: Without support from the institution or authorities, the contact may not lead to the desired reduction of prejudice. In this scenario, the absence of broader institutional backing for the interaction may hinder its effectiveness in combating bias.

Holly and matt want to use the "nonworking" spouse method to determine the amount of life insurance coverage they need. if their youngest child is 5 years old, how much do they need

Answers

The best answer for this question would be:

 

$150,000

 

Because in the method of the “non-working” spouse method, they are given a calculation of (18 - youngest child's age) × $10,000 (18 being the legal age)

 

Resulting that the solution would be:

 (18 - 3) × $10,000 = $150,000

Final answer:

Using the 'nonworking' spouse method, Holly and Matt need to calculate life insurance coverage based on the non-income earning spouse's life expectancy times the estimated annual child-rearing costs. With a youngest child of 5 years old, that means they need coverage for about 75 years of costs.

Explanation:

The 'nonworking' spouse method to calculate life insurance coverage stipulates that a life insurance policy should equal to the non-income earning spouse's years of life expectancy multiplied by the estimated annual child-rearing costs. Given that their youngest child is 5 years old and the average life expectancy could be assumed to be about 80 years, this means Holly or Matt should prepare a coverage base for about 75 years worth of child-rearing expenses. However, this is a rough estimation and does not take into account factors such as inflation and potential change in lifestyle.

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Suppose your grandma sends you $100 for your birthday and you deposit that $100 in your checking account. the reserve ratio is 10%. based upon this deposit, the bank's excess reserves have increased by _____, and if the bank lends these new excess reserves, the money supply could eventually grow by as much as an additional _____

Answers

based upon this deposit, the bank's excess reserves have increased by 90, and if the bank lends these excess reserves, the money supply could eventually grow by as much as an additional 900

A salesperson with sales intelligence will most likely be able to create value for a prospect by having an understanding of the

Answers

........ by having an understanding of the culture and vision of the prospect's firm. Sales intelligence will helps the salesperson to tailor his product to fit into his prospect's company visions and goals. This will make the prospect to consider the advertised product necessary and needed for his use and push him into buying the product.

Which is a short term bond that must be paid within a year or less?

Answers

Treasury bill
It's a short-term debt backed by the U.S. government with a limit of one year, It's sold in denominations of $1,000. The maximum purchase is $5 million

Answer:

The correct answer is "Treasury bill".

Explanation:

A Treasury bill is a short-term debt obligation of the U.S. government. The obligation is backed by the Department of the Treasury and is characterized by a maturity of one year or less. These securities are considered to be low risk and safe investments.

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If the fed engages in open market sales in direct response to an increase in the rate of inflation, this is known as

Answers

If the fed engages in open market sales in direct response to an increase in the rate of inflation, this is known as active policy making.
active policy making refers to the policies created by the government specifically to tackle economic problems. The open market sales is used to take away money from the market and reduce the inflation rate

Samantha’s paper fits her audience and thesis but doesn’t match the purpose. which stage of the fact strategy applies

Answers

The answer to the question above is FIT. The stages of the FACT strategy include fit, add, cut out, and test. In this case, the one that fits Samantha's situation is fit. In the FACT strategy in writing, this is when the topic relates to its audience and thesis, but then, it deviates to what the real purpose of the writing is all about. 

Which brand recently acquired by microsoft was originally created in sweden?

Answers

Donya labs, developers of Simplygon, which is a 3D computer graphic software. But in January 2017, it is acquired by microsoft and they announce that 3D is for everyone on windows 10 update. Simplygon is developed in Donya labs (that focuses on 3D optimization), Sweden. There are many processes for Simplygon optimization.

The manager's fiduciary duty refers to _____. 2012books.lardbucket.org

Answers

The answer is the moral duty managers have to act as responsible agents to the owners. A person with a Fiduciary Duty is somebody in whom another person has placed the greatest trust and confidence to manage and guard property or money. The Fiduciary Relationship defines a relationship in which one individual has a duty to act for another's benefit. In other words, in a fiduciary relationship a manager's main obligation or duty is to act towards the benefit of the shareholders. 

Final answer:

The manager's fiduciary duty refers to their obligation to act in the best interest of the shareholders or all stakeholders, depending on whether one adheres to the shareholder primacy theory or the stakeholder theory, respectively.

Explanation:

The manager's fiduciary duty essentially refers to the responsibility to act in the best interests of another party, typically the shareholders of a company. This comes from the principle of shareholder primacy, which posits that managers should function solely to promote the interests of shareholders. This perspective is based on the understanding that shareholders own a portion of the company and have invested capital into it, making it only right for their interests to be prioritized.

However, this is not the only viewpoint. An alternative perspective is the stakeholder theory, which argues that a manager's duty should not be solely to the shareholders but to all stakeholders involved. A stakeholder, in this context, includes anyone who has an interest in the firm - this could range from employees, to customers, to the local community. This theory necessitates a balance in catering to the interests of all stakeholders, not just shareholders.

Regardless of the adopted viewpoint, the key element here is that managers have a fiduciary duty. They are obliged to act in the best interest of others (either shareholders or all stakeholders), and their actions should reflect this responsibility.

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