TAILIEUCHUNG - The Insurance Policy Protecting Your Business by Understanding Your Policy

The Community regulations on the coordination of social security systems of Member States have superseded – from the moment of Poland’s accession to the European Union – the bilateral international conventions/agreements on social security, which had earlier bound Poland with the Member States. The following still remain in force in Poland: r bilateral conventions on social security con- cluded with Bulgaria, former Yugoslavia (that is Bosnia and Herzegovina, Croatia, Macedonia, Serbia and Montenegro, except for Slovenia, which is a European Union Member) and some stipulations of a convention concluded with Austria and of conventions concluded with Germany r several governmental agreements on mutual. | PPP-49 The Insurance Policy Protecting Your Business by Understanding Your Policy Fred Whitford Coordinator Purdue Pesticide Programs Scott McGinness Vice President Connolly Ford Bower Leppert Daniel Reardon President . Insurance Donna Marron Attorney-At-Law Plews Shadley Racher Braun Arlene Blessing Editor and Designer Purdue Pesticide Programs TABLE OF CONTENTS PAGE Introduction. 3 Insurance Coverage Expecting the Unexpected. 5 The Insurance Policy Is a Legal Contract. 8 Commercial Property Insurance. 14 Commercial Crime Insurance . 17 Commercial Vehicle Insurance. 18 Inland Marine Floater. 22 Comprehensive General Liability Insurance. 24 Worker s Compensation Insurance . 28 Excess or Umbrella Coverage . 30 Pollution Insurance. 31 Employment Practices Liability Insurance. 34 Directors and Officers Liability Insurance. 34 Errors and Omissions Liability Insurance. 35 Hold Harmless Insurance. 35 Double-Checking Your Insurance Policy. 36 The Insurance Agent a Valuable Advisor. 39 Choosing the Right Insurance Policy. 44 The Claim Who Does What When and Where. 48 Audits and Surveys Payroll Sales and Safety. 52 Risk Management. 53 Conclusion. 55 Acknowledgments . 56 Insurance Terminology. 57 PURDUE UNIVERSITY COOPERATIVE EXTENSION SERVICE WEST LAFAYETTE IN 47907 INTRODUCTION Pesticide application business owners devote considerable time energy and money to position their companies favorably in a highly competitive market. Product availability pricing structure quality of service employee hiring practices and employee education must be continually reevaluated in the face of stiff competition and an everchanging demanding public. If your business is to prosper you must deliver what the public believes to be an indispensable service priced right and backed by a strong commitment to deliver. Businesses that do not adjust to public demands are seldom afforded a second chance. Customers move on to do business with companies more attuned to their needs and your .

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