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1. Understanding Insurance Coverage - ... Claims will continue to be submitted after the policy period, as long as the statute of limitations allows, which makes it difficult to determine the insurance company’s profit and loss status. For this reason occurrence policies are usually more expensive than claims-made policies. (Nonprofit, n.d.; Rotarius & Liberman, 2000) Factors to consider when selecting an insurance company and policies Rotarius and Liberman (2000) provide excellent advice on selecting professional liability insurance for health care organizations....                                                                            [tags: Inmerica Needs Affordable Health Insurance - America Needs Affordable Health Insurance      Health Insurance is one of the nations top problems, the cost is rising for premiums, and many businesses just cannot afford it. As Americans many of us have the luxury of health insurance, but far too many of us have to go without it. This is something that always seems to brought up as a huge issue at congressional debates, but little is done about it. “In 2002 there were 41 million people reported with out health insurance coverage, this is too many considering those people probably were sick at some point through out the year, and they couldn’t afford treatment.” We need to find someway to make sure that every citizen of the United States is able to have affordable healthcare for themselves, and their familiessurance]