| Intellectual Property Insurance (insurance)
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Intellectual Property Insurance
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Title Insurance
Risk- the one word that is directly related to the commercial real estate industry. With the element of ''buyer beware,' the fact that the purchaser is completely responsible for the facts of a property before agreeing to a contract. There are so many opportunities for something to go wrong; you must rely on commercial real estate professionals and companies to look out for your best interest and ... Read insurance article
Cheap Auto Insurance - Teenagers and Young Adults
Prom dresses. Football camps. School clothes. Cell phone bills. Teenagers come with hefty price tags! But we love them, and we want the best for them; that's why when it comes to auto insurance, not only do we want to shop for cheap auto insurance for teenagers, but we want to shop for the best auto insurance for teenagers, as well. Since teenager drivers are considered "at risk" drivers because o... Read insurance article
Intellectual Property Insurance
Intellectual property insurance offers first-party protection against theft regarding business secrets, copyright infringement and patent infringement. The insurance policy gives you a payment for lost profits to $10 million, with an endorsement option also available that provides $2 million in additional litigation expenses.
Types of Intellectual Property Insurance: At present, there are two main types of Intellectual Property insurance policies which are prevalent in the market. Firstly, there are infringement policies, which are specifically designed for firms that are familiar with the changing trend in their business both in technological and legal front. More often than not these types of firms are desperate for protection against liabilities which are pretty big and which can by their sheer weight can create earnings volatility. The firms are buying infringement policies in order to smooth earnings because of exposure to an inadvertent infringement of anybody else's Intellectual Property.
On the other hand, enforcement policies are purchased by those firms who view Intellectual Property as a first-party asset that ought to be protected. The fact remains that Intellectual Property can be stolen infringed upon and invalidated. The litigation expenses in the recovery of theft and infringement claims are covered by most of the enforcement policies. Coverage will come to a standstill if the Intellectual Property is invalidated. What Is Intellectual Property? Intellectual property can be classified into four categories:
1) Firstly, there are Copyrights, which are applicable to original works of authorship that are constant in tangible mediums of expression. For example, literary works-including computer programs, pictorial and graphic works.
2) Secondly, there are patents, which play a pivotal part in protecting the making, using and selling of a patented item or process.
3) Trademarks and service marks.
4) Finally, trade secrets, which can be defined as the information that is generally kept as a secret and it gives its owner an advantage over competitors. For example, formulas, patterns, techniques and processes.
Intellectual property is very pivotal to all the organizations not just for big firms. It is just that role of intellectual property changes based on capacity of firm. For example, smaller firms will need intellectual property for the knowledge and skills required making their products or providing their services. It is worth noting that smaller firms can be particularly vulnerable to attacks on their intellectual property as big, better-financed competitors seek to erase them from the market. That is why, the success and failure of these types of companies depends solely on protecting their intellectual property.
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COBRA Health Insurance Secrets
COBRA health insurance is an area of insurance law that suffers from a certain degree of uncertainty and yet this law will affect the lives of many Americans at some point in their lives. This is not an obscure law that only affects a small number of people in limited special situations. COBRA (or the Consolidated Omnibus Budget Reconciliation Act of 1986) amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act to provide continuation of group health coverage that otherwise might be terminated.
According to the US Department of Labor; COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves. It is ordinarily less expensive, though, than individual health coverage.
Generally speaking, if you are an employee at a company that has 20 or more employees and you leave your group health plan (or your group health plan terminates for some reason) for some reason other than gross negligence then you will be offered COBRA continuation coverage (There are also provisions for spouses and dependent children).
Practically speaking; should you elect the COBRA continuation coverage option? If you or your family has major health issues then yes. If you and your family are relatively healthy then you will probably want to compare individual health insurance plans as individual rates are approximately half the cost of a comparable COBRA group health insurance premium. (Hint: One major difference between individual health plans and group health plans is that with individual health plans you usually have to pay extra to receive maternity coverage where on most group plans maternity coverage is included. If having maternity is a necessity then be sure and compare the rates offered to you by COBRA with the rates offered from an individual plan with maternity coverage to get a true apples to apples comparison.
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