Insurance Broker: Fill & Download for Free

Years ago I worked for a company that opened offices in the U.S. to serve our American clients. The President & CEO of the company wanted to make sure that we provided health benefits for our U.S. employees.So I, and one other staff person, dutifully met with an insurance broker who walked us through all our options. I remember lots of acronyms like PPO and HMO and at one point I turned to my colleague and said, “I really like our PYFT plan up in Canada.”My colleague and the broker turned to me with puzzled expressions on their faces. I replied, “Pay Your Fucking Taxes.”I was frequently horrified and appalled by the healthcare stories I heard from our American employees.No, I would not trade our health care system for U.S. style healthcare.Edited to fix a grammar error

I had a client who said that he had told his insurance broker that they owned considerable collections of jewelry worth tens of thousands of dollars. He said that the jewelry had been stolen, he even had a police report.The insurance did not have the rider to cover the jewelry. The broker denied he was ever told about the jewelry. If my client was right, the insurance broker committed malpractice.The broker refused to turn the claim to his insurance company, so I sued him.His insurance company settled for what I thought was a reasonable amount.After the case was settled and my client had cashed his settlement check, he told me, “oh, by the way, I found the jewelry a couple of months ago.”The whole case was a fraud, and I had participated in the fraud.Because of the attorney client privilege, there was no one I could tell. He got away with the crime.This was over 35 years ago, and it still hurts to think about it.EDIT: according to the ethics attorney I consulted with, I could not report it as the crime has already happened. The exception to the rule is if your client tells you they are going to commit a crime, then the attorney can report it. California has some of the most restrictive rules as far as being able to repeat anything that a client tells the attorney is concerned.

Satellite launches are insured through insurance brokers, just like cars and homes.A typical insurance package will cover launch, post-separation, commissioning, and the first year of in-orbit operations. The premium for that package will typically be between 17-22% of the cost of the satellite. Launch insurance costs vary depending on the reliability record of the launch vehicle. Post-separation onwards depends on the reliability of the satellite and the experience of the satellite operator.