What is the main difference between franchise and group insurance?
What is the main difference between franchise and group insurance?
Franchise (or Wholesale) Life Insurance is a form of personal coverage issued under individual policies to a group under conditions which are similar to Group Insurance but which do not necessarily qualify under the Group Insurance definition.
What’s a franchise deductible in insurance?
Franchise Deductible — a minimum amount of loss that must be incurred before insurance coverage applies. A franchise deductible differs from an ordinary deductible in that, once it is met, the entire amount of the loss is paid, subject to the policy limit.
What insurance does a franchisor need?
Most franchise agreements require a franchiser to maintain at least a few million dollars of “general liability insurance.” General liability insurance covers such perils as property damage, personal injury, advertising injury and products liability. Feb 23, 2016
What happens if you don’t pay gratuities on a cruise?
Crew members often rely on tips to supplement low wages. When you forego tipping on your cruise, you aren’t hurting the corporation. You’re just lowering the pool of funds that hard-working service employees share at the end of the journey. Mar 13, 2022
Can you refuse to pay gratuities on a cruise?
Q: Can you refuse to pay gratuities added to your bill? Yes, though cruise lines highly discourage it and will work with guests if they are not satisfied with the service on their voyage to adjust the fee to lesser gratuities if necessary. Dec 28, 2017
Does Royal Caribbean have free food?
All Royal Caribbean cruise ships serve complimentary dining in the Main Dining Room, Café Promenade and Windjammer Café or Windjammer Marketplace (the name varies depending on which ship you’re sailing on, but the dining experience is the same). Jul 18, 2019
Is Carnival Cancelling Cruises 2022?
2022 have been cancelled. A new ship from the Carnival fleet will be assigned to Jacksonville for the Ecstasy itineraries departing from 23.04. Mar 10, 2022
Which cruises are sailing now?
What U.S. Cruise Ships are Sailing Right Now? Adventure of the Seas. Carnival Horizon (Photo courtesy of Carnival Cruise Line) Celebrity Equinox. MSC Meraviglia in PortMiami (Photo courtesy of MSC Cruises) Symphony of the Seas. Carnival Elation (Photo courtesy of Carnival Cruise Line) More items… • Oct 1, 2021
What cruises did Carnival cancel?
Carnival Splendor cruises are now cancelled through April 8, 2022. The vessel previously had sailings cancelled into early March 2022. Carnival Spirit cruises are cancelled through April 10, 2022, and the ship also previously had cancelled sailings into early March 2022. Dec 9, 2021
Do cruise ships dump poop in the ocean?
U.S. law allows cruise ships to dump raw sewage in the ocean once a ship is more than three miles off U.S. shores. Ships can dump treated sewage anywhere in the ocean except in Alaskan waters, where companies must comply with higher state standards.
How many murders are on cruise ships?
There is an average of 200 deaths occurring on cruise ships each year. Dec 20, 2021
Do cruise ships have police officers?
Unlike airplanes with Federal Marshals, cruise ships have no police authorities aboard. The few security guards on the ships are loyal to their employer who pays their salary – not to the passenger. When a crime occurs, the cruise lines first notify their risk managements departments and their defense lawyers. Apr 11, 2010
Do you have to pay to see a doctor on a cruise ship?
Cruise ship doctors work as independent contractors and may charge a basic hourly fee. There will be additional charges for medications and tests. All must be paid for at the time of service and will be billed to your shipboard spending account. Nov 30, 2021
Do cruise ships have jail?
There’s a special place, however, for those who commit serious crimes at sea — the ship’s jail, or “brig” in nautical terms. These steel rooms are located on one of the bottom decks of the vessel, usually near the security office. And if you end up down there, you won’t be staying there for the duration of the cruise.
What happens if you get sick on a cruise?
Typically, a member of the cruise line’s Care Team will accompany the ill passenger and a companion or family member to the hospital. You will not be reimbursed for any unused portion of your cruise. You will be charged for medical services onboard and in the port of call where you are disembarked.
