• Environmental liability insurance protects the insured for personal injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
• Insurance errors and omissions: See “professional liability” under “Liability insurance”.
• Professional liability insurance, also known as professional indemnity insurance, protects professionals such as architects, lawyers, doctors, accountants and neglect against possible claims by their patients / clients. Professional Liability Insurance May take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession May be called malpractice insurance. The notaries public to take May errors and omissions insurance (E & O). Other potential E & O provided include, for example, real estate brokers, home inspectors, experts and websites.
• Directors and officers liability insurance protects a body (usually a company) costs associated with litigation resulting from mistakes incurred by the directors and officers for which they are responsible. In industry, it is generally known as “D & O” for short.
• Average compensation insurance protects the insured to assign a top prize at a specific event. Examples include offering prizes to competitors who can make a half-court shot at a basketball game or a hole-in-one at a golf tournament.

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There are two kinds of disability coverage – the short-term and the long-term.

Any physical damage, illness, or pregnancy resulting in total disability for less or exactly 180 days falls under Short-term disability insurance. Coverage starts on the first day of disability in the case of an accident, and after the seventh day of a disability in the case of an illness or pregnancy. Benefits are not paid for the days you are not under the supervision of any physician, and a disability exceeding 180 days will not be given any more coverage. Benefits are not payable while you are qualified for your workers’ compensation benefit.

Short-term coverage may be purchased for monthly benefit amounts ranging from $300 to $5000, any amount within one-third of your gross monthly salary. The cost of insurance is established on the amount of your chosen monthly benefit. Employees may increase coverage any time, or even purchase a new one, by simply showing a clean bill of health.

Any physical damage, illness, or pregnancy resulting in total disability past 180 days falls under Long-term disability insurance. Income is provided, and the coverage starts after the 180th day of a total disability due to pregnancy, illness or physical damage, and is billed until your regular age of retirement determined by the date of your birth. The cost of long-term disability coverage is based on the amount of your chosen monthly benefit. Monthly benefit amounts also range from $300 to $5000 for long-term disability coverage purchase.

Still, there is more to filing a claim for disability benefits, either short-term or long-term. Filing for disability coverage requires time and effort. Get the necessary claim forms, depending on the type of coverage you want. After that, answer clearly and honestly. The form has several parts that will require the participation of people you know – the Employer Portion, the Physician Portion, and you, the Claimant.

The employer portion simply needs basic information about your employment – date of hire, salary, etc. The physician portion is the doctor’s objective professional input and opinion on your disability. The final portion is the claimant portion. Simply list complete details about you.
After completing the process, gather all completed portions of the mail form and have them photocopied before mailing them direct to the insurance company. Continue follow up a week or two later to make sure your application has been received and are being reviewed.

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