i am looking to start my own travel agency as a sole proprietorship, however i am concerned with the liability exposure i will be generating. Can anyone recommend a business insurance policy so in the event i get sued that i want loose any personal property or savings.
I currently have the business in Knoxville,TN.
Archive for the ‘Business Travel Insurance’ Category
I run an insurance business from home and it requires a lot of traveling and phone time as well. I want to know what kind of expenses, bills, etc that I can write off at the end of the year. I want to do it LEGALLY! i don’t want to cheat.
During my early twenties I took Prozac.I found it really brought me out of my shell, I felt like that was the way life was supposed to feel.
I changed jobs &I lost my insurance.I couldn’t afford to pay out of pocket for the meds, so I had to stop taking it. I worked @ a nursing home&it was so emotionally taxing.I worked odd hours that didn’t allow much social life&I lived alone.I didn’t realize at the time, but after I *quit* taking Prozac, I picked up what would slowly turn into a pretty serious drinking habit.
Fast forward a few years- I’m married almost a year now & moved a 1000miles from my hometown to my husband’s city. I was able to ‘dry out’ & now rarely drink. Husband’s wonderful but workaholic&travels frequently on business. I go to school&work a no-stress p/t job to get out of the house, but don’t know anyone here! I’m so lonely,bored lethargic.I have good insuance now. What will the Dr do if I ask for Prozac? I’m very afraid she’ll want to run tests. What’s procedure?
ADDED DETAILS
I was curious about the kinds of physical/physiological workups that would be done since I will be a new pt. What kind of tests do they do on a new pt? I don’t think I have anything to worry abt, but the anxiety over these workups is a big part of the reason I have held off on getting help–now I am stuck and starting to feel hopeless but too nervous to go to a new doc. Thanks for any help, everybody. It’s really appreciated.
For my speech class, I have to do a job interview on a job that I find interesting. I picked psychiatrists, but I can’t find one available at the moment. I would appreciate it if you could answer these 20 questions for me. Please be serious, no stupid answers. Thanks for your time.
Btw, if you don’t want to answer here, you can email the answers to me (link is in my profile).
1. Is your job rewarding (emotionally & financially)?
2. What aspects of your job do you like and dislike?
3. What is your salary?
4. Do you receive any benefits such as vacations, insurance, etc?
5. What are your hours?
6. What is the education required?
7. What risks are involved in your job?
8. What is your work environment like?
9. What kinds of patients do you have / have you had?
10. Do you find your job to be fun, or does it get boring at times?
11. Do you have job security?
12. Do you have a boss, or are you self-employed?
13. What disadvantages are there in your job?
14. Do you receive a pension / 401K?
15. Do you ever have to go on business travels?
16. What do you do on a normal day?
17. Do you see the same people or new people every day?
18. What made you want to become a psychiatrist?
19. Is it easy to find a job?
20. Would you recommend someone else going into this profession? What advice would you give them?
Again, thanks for your time if you bothered to answer ^^
Why do they focus on the usual flag-waving, honor our boys overseas and "pro-business" insurance company protection instead of shoring up Medicare, which millions and millions paid into for decades? Kyle, McDonnell, Bohener, Bacus, Gringey, and all those vermin from Ala., Texas, Gal, Arizona,Okla etc. just keep distorting and insulting millions of retirees and approving trillions for war, oil and insurance and Goldman Sachs, and AIG. Makes me sick! GOP is so far out of touch in their ivory towers and lear jet travel. Time to rid Texas of every last Repug right down to the dog catchers and street sweepers.
IT IS TIME FOR THEM TO GO!
The purpose companies or individuals get private jets is to help them function which even in hard times is necessarily so why the big deal. I get in the case of the Car companies because their asking for billions of dollars in bailouts but at the same time your talking fractions of pennies in unnecessary expenses & business must go on even when your struggling to pay the bills. The car makers aren’t struggling because of the air travel or even executive salaries its the double industry standard in labor fees by the UAW that doesn’t help it stay black let alone competitive not to mention a lot of reports suggest american cars at least in the past weren’t made as well or last as long as foreign cars so again they aren’t hurting because the CEOs flew to Washington & its not like the CEOs fly somewhere every day. The same goes for CEOs and government people across the board whether your an insurance executive with AIG or a banker with WaMu or the House speaker if you travel it makes it easier for you to work then using it shouldn’t be a big deal. Congress uses them all the time and yet complaints about excessive spending yet want to spend even more on another worthless stimulus package so again my point & question is if you or the company or organization you work for has a private jet to help it function how is it wrong to use it especially for business related purposes? It’s not like the company is broke & the CEO is using the jets for vactions & leaving the company paying the fare. It just makes no sense to make a big deal about a few thousand dollars here or there when your talking millions or hundreds of millions of dollars. So what is the big deal? And when you think about the security or assistants that would go with an executive especially of a major corporation then its cheapier to spend 20 grand flewing the group to washington then buying regular air fare. You would spend about the same renting a private jet & again especially for a major executive where security might be an issue a public airplane as crampped & populared as they are opens a lot risks & thus costs not necassarily with a private jet. Again they weren’t spending the money or government money on strippers or beer parties in Bermuda or vactions…An astronaut lost a 100,000 dollar tool bag paid for by tax payers but never mind that when a CEO uses a corporate jet for business related travel…… especially when its not planned as in the case of being summoned to report to congress. Where’s the people complainting about paying twice the price of labor on American cars that tend to break down more then you would pay or need on a foreign car less likely to break down as often anyways. Where’s the complainting about that or paying 100 for an oil change & other fluids when you can do it yourself for alot less.
Exxon Coke & pepsi rule I have stock in all of them. I totally agrees especially about the oil I get people hate high prices & yeah some is exaterated but at the same time the mark up on oil or soda is like 15% while software & other things like furniture is often 100% yet because we don’t buy software or furniture or jewerly all the time let alone everyday or every year its easy to over look the profit margin gaps. Also if you needed software or furnture as much as we drive furnture stores would be making the big bucks. Dont like high prices move or drive less that’s what I always say.
I purchased a domestic round trip ticket from Frontier, with the optional travel guard insurance. I just got called away on business for work, and cant make my flight. I will probably have my company fly me to my destination and purchase a one way ticket back home(must be from Frontier, other reasons). Is there any way I can get out of paying the 0 change ticket fee, I mean I bought the ticket like 4 days ago, and the flights not for over a month. Thanks!
Not only are they posting what one can only describe as amateur hour propaganda, but they are asking private citizens to forward any dissent about healthcare straight to the white house so they can better produce propaganda in the future.
What do you think of this??
Watch both videos here:
http://hotair.com/archives/2009/08/04/white-house-obamacare-opponents-lying-by-using-obamas-own-words/
Douglass seems to have taken to her role as a propagandist rather well for someone who worked as a supposedly objective reporter for so long. How difficult is it to look through the first 64 seconds of the video Douglass attempts to rebut to find what Obama really had to say about single payer in 2003, while Obama prepared to run for the US Senate?
http://www.whitehouse.gov/blog/Facts-Are-Stubborn-Things/
There is a lot of disinformation about health insurance reform out there, spanning from control of personal finances to end of life care. These rumors often travel just below the surface via chain emails or through casual conversation. Since we can’t keep track of all of them here at the White House, we’re asking for your help. If you get an email or see something on the web about health insurance reform that seems fishy, send it to flag@whitehouse.gov.
WH uses Web to fight misleading health care effort
http://news.yahoo.com/s/ap/20090804/ap_on_go_pr_wh/us_obama_health_care;_ylt=AvwjODutRghpblr_U5QGLVmMwfIE;_ylu=X3oDMTE1MXZmYmx2BHBvcwM1BHNlYwN5bi1jaGFubmVsBHNsawN3aHVzZXN3ZWJ0b2Y-
WASHINGTON – The White House is turning to the Internet to hit back at a Web posting that claims to show President Barack Obama explaining how his health care reform plans eventually would eliminate private insurance.
The 3-minute White House video features Linda Douglass, a former network television correspondent and now White House Office of Health Reform communications director, sitting in front of a computer screen showing the Drudge Report Web site. That site carries a series of video clips from another blogger who strings together selected Obama statements on health care to make it appear he wants to eliminate the private health insurance business.
In the video Douglass says the site is "taking sentences and phrases out of context, and they’re cobbling them together to leave a very false impression."
bulwinkle……."He was covering actual lies. "
No, he was trying to "re-calibrate" statements he made a few years ago that completely contradict what he is saying now.
truth seeker……"Are you saying there are NO lies out there???"
No. But this particular "lie" they are attempting to combat happens to be true.
assamite………."You’re citing HotAir?!?"
It would appear that way. It contained both videos side by side. Would they be more believable if the same videos came from another website??
Also, thanx for the link. Although there is more than one bill floating around.
assamite…………also, I never claimed to be "smart". But I guess who couldn’t help yourself 
Travel > United States > General – United States
Politics & Government > Law & Ethics
Travel > United States > Los Angeles
Local Businesses > United States > General – United States
Business & Finance > Insurance
I wanted to see if I could get some fresh ideas of what to do with my career. I work in insurance as an underwriting assistant, I really enjoy both underwriting and claims. However, I live in a small town I hate. I’m looking to move to a bigger city and I find it difficult to look for job in another city. I’m looking into NYC, Philly, or Baltimore all within a couple hours from me. I’m also looking for a position that will allow me to travel both domestically and internationally. I have a BA in psychology and an MBA in general business. I don’t necessarily need to stay in the insurance business though. I really just want to get into a major city and be able to travel for work. Any ideas, suggestions, or pointers would be appreciated. Thanks
You know, I could go all over Dallas and Ft.Worth for a month by using the bus and rail service– slightly less than what my car insurance costs– but I don’t do it! I dislike long, shaky bus rides, layovers, busloads of sweaty people taking all day to get somewhere I can reach in 30 minutes in my car, but that doesn’t explain why the beautiful, swift trains with cafe-type tables and booths instead of traditional seats are often so underused. If we were sensible, we’d put out a month just to have the option of traveling sometimes without contending with traffic and gas prices. "I love train rides," a stylish, well-dressed business woman from Massachusetts I met at the train station told me. "I’d hate to fight the Boston traffic to get to work every day. I could have rented a car to drive to this convention in Dallas, but who wants to?" I know she’s right! I don’t smoke, but can’t stand not to drive. Why are we like that?
I am working as brand manager for one of leading french brand here in saudi arabia. Two months before i apply for schengen business visa, as my principal compnay sent me invitation letter,i complete the documents but one thing that was missing i think waz travel insurance letter, anyways i applied the guy at the counter receive it and write on it one month,i was happy that i will get the visa.but when i approach them they give me my passport with embassy stamp and samll red colour hand written r on my passport. i tried my best to ask whats the reason but they didnt answer.We also have brand from belgium i try to aply thro belgium but they refuse to take my aplication and said if french embassy withdraw the stamp what they have on your passport than we will give you visa.I duno what is it?will the french embassy withdraw this?is it easy 4 them?what legal and professional method i shod opt to clear this??Can i get french visa again?Please give me a sincere and genuine advise ????
While on a foreign assignment, my services were terminated verbally on 23 Sep with effect from 30 Sep. I was told to pack my life and return for a meeting in the office in my base country for 1 Oct.
Because of short notice, I asked for extra day to ensure that banking matters were resolved and arrived in office on 2 Oct.
The company’s payout policy usually applies gross current month during which services were terminated BY tenure.
My monthly salary was over twice my local salary.
Although the usual vacation leave procedures were never followed and business travel days are considered working days, they suddenly started saying that 1 and 2 October were vacation or employment days under my local terms.
Other considerations:
- all company property (laptop, phone, car, IT accesses, etc …) had to be submitted by PM, 30 irrespective of what date I was to leave the host country
- I was made to sign in and wear a visitor tag when I returned to the base country office
- the HR manager asked me to give her medical claims for insurance purposes only up to end September
- On 25 Sep, I wrote an email from my personal account recapping the meeting and included the fact that they had already said that there were no jobs available in base country. They never responded contesting its contents
(Fyi, termination of services is a result of reports that I made requesting assistance since management had been negligent in providing me with all of my necessary tools. My safety was even compromised as a result. They have never been able to give me a reason for the termination of services.)
I leave for PHeonix az tommarrow from Manchester, but cannot make it as a very good friend of mine is making an unexpected visit. But I want to go on my trip some other time, WHAT DO I DO?????????? CAN I RESCHEDULE THE TRIP ANOTEHR TIME AND WHO DO I CONTACT AS I PURCHASED THE TICKET THROUGH CHEAPOAiR.com and am unable to contact an agent. WHAT CAN THE AIRLINE (WHICH IS US AIRWAYS) DO FOR ME????????????? WHAT CAN THEY DO??? are there some tickets where you cant change your ticket, but WHAT IF YOU CANT MAKE IT DUE TO A FRIEND VISITING OR A LAST MINUTE BUSINESS OBLIGATION AND NEED TO RESCHEDULE YOUR TRIP??? WHAT HAPPENS?
what does travel insurance cover?
I was surprised to learn that a psychologist/therapist in private practice that I know charges clients a fairly typical hourly rate for the region, but he also charges the same amount for all weekly scheduled appointments which are missed, no matter the reason. Even if the client has vacation or business travel planned and notifies him long in advance, or has a personal or medical emergency and obviously cannot attend the session, he charges just the same as if the session was held.
I understand his rationale for this, so I already know why he has this policy.
My real question is: is this billing policy considered a standard and well-accepted way of doing this? Or is this guy off base?
p.s. he does not accept any insurance. All his clients are self-pay out of pocket.
Forgot to say, that the exception where he won’t charge you is if you reschedule the appt for another time during the same week. Not sure if that makes it "better" or changes anyone’s answer, but I meant to include that in my question.
I don’t want to deal with MHMR any longer, & I don’t want a case manager. That’s why I need a PRIVATE psychiatrist who will accept my insurance. Thanks for the help, Any links, resources, or testimonials are beneficial.
***I’m posting in the TRAVEL category since people hardly answer in the LOCAL BUSINESSES section.
I see all this ridiculous angry questions from people against the healthcare bill. Most of them are directed towards "the poor" – people are so upset that some of their tax money might go to help those "lazy" people.
The truth is that small business owners are the real winners here. I own a travel agency and I have multiple sclerosis. Do you think there is ANY insurance company that will take me? Do you think I’m unique? How many people have pre-ex conditions and are working for some job they hate instead of owning their own business because they need group insurance.
Right now I’m lucky enough to have Medicare but the longer I work closer I get to losing it (5 years) – thank GOD that they passed this bill and I will now have the opportunity to have insurance. Why don’t people think about how many millions of their fellow Americans this will help?
How can you spot it? I’m thinking about joining this insurance networking business. Basically what I’ll be doing is selling life/retirement insurance OR recruit people to sell it by word-of-mouth. I get a percentage of what my recruiters make and so on… I have a very close relative who knows a friend that does it. The friend of his is making thousands and his upline, millions! He showed me his account and photos of expensive travel vacations for proof. He’s been doing it for only 8 months.
If I pay 5 to join but will get a reimburstment after I get a license. But how do I know if it’s a pyramid scheme? I did research on the company but nothing about it being a scam showed up..how do I tell the difference between non-/pryamid scam?
Can anyone recommend a company? Would prefer a U.K. company. I’m going on business & looking for coverage.
the Rep. from your congressional district or one of your state’s senators? It would resemble a legislative form of BIG BROS/BIG SIS.
But with certain perks for the randomly chosen constituents.
1. Those who shadow senators would serve for a year. (each term would have 6 different citizens) Those who shadow their member of congress would serve eight months. (each congressional term would have 3)
2. Each citizen sent to DC is entitled to all of the pay, insurance, housing, travel, security, kid’s schooling, lobbyist bribes, and sensitive intelligence clearance of the person they’re assigned to. 3. If they go to a committee meeting, (open or closed-door), we do too. strategic party sessions, "legislative (lobbyist) lunches" it is all now opened up for public scrutiny. (where DC really does its business)
5. The funds to pay the saleries, travel, and incidentals, will be supplied by the reelection campaign $$ raised. .
6. 76 days of legislating by Congress in 2006, they’re done.
I’m traveling to North Carolina and I need to have a car for a couple of months. A regular car rental agency will get me one of course, but the price with the insurance is almost ,800 per month. My trip is not related to business, is for therapeutic reasons. I’m looking for alternatives. Thank you!
My husband’s assitant travels twice a month to another business establishment to do screenings for him. She requested to be able to do this and we are all for it. She is an hourly employee making /hr + extra if she hits her monthly goals (she has no computer skills what so ever, can’t even use word or open it up). Today she informed us that she thinks we need to pay to have her as an insured driver because she only pays for liability insurance for herself and if something were to happen on her way to the other place she wouldn’t be able to cover her medical bills, the other car, or anything else. I don’t think it should be our job to pay for her car insurance for such infrequent work related driving. In addition the place she drives to is less than 5 miles away. Are there liability issues on our end if she gets in an accident in her car while on our watch? Could we be sued to pay the damages if she can’t or won’t pay? Is she justified in requesting us to pay her insurance?
My father and mother were divorced…Dad contracted cancer 7 years later. Dad had a good insurance policy. Dad & Mom had divorce anulled. Dad & Mom plus two kids built a strong business after his cancer. Getting the business started and building the warehouse were funded by Dad. The "kids" built the building. Kids were involved of traveling and buying inventory..funded by Dad & Mom.
Dad died of cancer..Mom remarried shortly thereafter..sold all the inventory for 1/3 the cost and is now trying to sell the property that Dad had before the anullment.
Mom says "It is ALL her’s"…we had no documents drawn up for distibution of property..Dad left everything to Mom..thinking she would leave the business to his children.
Mom "blew" the inventory money on her honeymoon and is now getting a divorce.
The business made over 0,000 per year.
I am now unemployed and seeking work…while she continues to make jabs at us about having to work for a living.
I now make about around ,000/yr
I started a company in Oct. 2005, and invested + of my own money plus over 2 years of work. In Jan. 08 I had an investor buy in for k for 25% ownership plus he was required to lend the company up to 5k as needed. He cut us off after k in loans and the company went under. He’s coming after me now, but I have no personal guarantee. I did misappropriate/commingle some funds for personal use when I got desperate but only for food, car payments, and car insurance so I can keep traveling for work. I also made some cash withdrawals from the biz bank account to pay for some business bills, some can be documented, some cannot. I wouldn’t mind paying back anything that I didn’t document, I think there is a total of about k in "gray area" transactions. I just want this guy out of my life without anymore trouble. I know I was stupid, but can he sue me or possibly put me in jail because of this? If so, can I avoid all problems if I promise to pay him back for any transactions that are iffy? Would he be responsible for anything because he didn’t meet his investment we agreed on? I’m in the process of filing personal bankruptcy, ch. 7, if that makes a difference. Please help! Thank you!