Bluetooth is a wireless technology that allows you to connect nearby devices, even if they aren't in direct line of sight. Most newer laptops come with Bluetooth hardware already installed, but the chances are lower if your computer is older, or if you're using a desktop.
DEFINITION of 'Associate in Risk Management-ARM'. A nationally recognized educational program for dedicated risk management professionals, developed by the Insurance Institute of America. Science of risk management includes how to avoid, reduce and manage risk.
Although agency or broker personnel deal with standard coverage on a regular basis, Excess and Surplus (E&S) may be a bit of a puzzle to many. What exactly is E&S and how can it affect your customers, not to mention your bottom line? Standard insurance refers to traditional and financially conservative low risks that many insurance companies prefer. Standard insurance companies deal in normal risks and insurance products, such as business owner policies (BOPs), homeowners, auto, boats and motorcycles, and personal umbrellas. E&S is anything but standard. Simply put, itâs coverage thatâs âoutside the box,â catering specifically to âhard-to-placeâ risks. E&S provides coverage when standard insurance carriers cannot or will no provide it. While estimated to be less than 7% of the market, the typical types of risks written in E&S lines include those that: