TAILIEUCHUNG - If disaster strikes will you be covered?

In Germany, works councils constitute the second important pillar of the in- dustrial relations system and provide workers with the opportunity of employee representation at the establishment level. 5 The participation rights are laid down under the German Works Constitution Act (Betriebsverfassungsgesetz) and include consultation, co-determination and information rights, which generally increase in scope the larger the establishment becomes. For example, Section 106 of the Works Constitution Act obliges plants with more than 100 employees to set up a so-called economic committee in order to provide works councils with all relevant information about their business conditions. According to Section 100, employers with more than 1,000 employees are more formally obliged to. | If disaster strikes will you be covered A homeowner s insurance guide to natural disasters The Actuarial IHỀk Foundation FLASHKA FEDERAL ALLIANCE FOR SAFE HOMES WWW. flash org Dear Homeowner As you know a home is more than just a major financial investment. Your home provides you and your family with shelter from the dangers of the outside world. Our goal is to help you ensure that this shelter is as safe as it can be and that your insurance coverage is sufficient to protect your assets. With these goals in mind and as part of our ongoing commitment to safeguard families and homes from disasters the Federal Alliance for Safe Homes Inc. FLASH in partnership with The Actuarial Foundation is pleased to provide you with this informational resource promoting safety and the financial security that comes from being properly insured. As you know home ownership comes with many responsibilities the most important of which is protecting the financial investment you ve made in your home. In this guide you will learn about the major perils that threaten your property. You ll gain a better understanding of different insurance products and forms which vary for different types of disasters as well as the many steps you can take to mitigate potential losses from natural disasters. Moreover this guide was designed to help you answer these important questions What coverages are appropriate for my living arrangement Who sells these coverages What coverages do I need to purchase Are they available What perils are covered in the policy I purchase What is the proper amount of insurance to purchase Are there steps I can take to lower my premium It is our hope that you never have a reason to file a homeowners insurance claim. But should that day come we want you and your family to be covered. Sincerely Leslie Chapman-Henderson President CEO FLASH Inc. Eileen C. Streu CAE Director The Actuarial Foundation 1 Table of Contents Courting Disaster Perils Discussed in this .

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