High-risk insurance: higher risk without it With insurance you never really know how much you've got or how good it is until you need to use it. -------------------------------------------------------------------------------- When Dave Lewis found out that his insurance company was pulling out of the liability market he saw his premiums jump from $1,200 to $5,000 a year. The owner of Ship to Shore Diving and Engineering in Moncton, health insurance claim form health insurance claim form N.B., is now paying $8,000 to $10,000 each year in premiums for his underwater welding business. He carries professional and general liability insurance. The general liability insurance is a requirement for many of his clients. If there is a crack in his work the company could be held responsible and sued. "I guess the challenge is to be thorough so that you are not negligent and you medical insurance terms health insurance claim form would exercise a level of care that would be consistent with industry practice." His employees are covered under the province's Worker's Compensation Coverage. While Lewis acknowledges the importance of insurance he is frustrated with the fact that the competition isn't carrying the same insurance costs that he is. He would like to see the insurance industry recognize businesses such as his whom have claim free track records. The auto insurance card health insurance claim form competition may not be operating with insurance, despite legal requirements, they run the risk of losing everything. "Even worse though besides losing their own business is, they could be legally obligated to others for damage to others premises or contractual obligations they cannot meet due to their uninsured loss," says Gary Skogberg, Product Communications Manager, of Commercial Operations with The Co-Operators. Barb Malcolm, owner and operator of capital city auto insurance health insurance claim form Churchill