OneBeacon Insurance Group: Official Site – Specialty Insurance #onebeacon #insurance, #specialty #insurance,


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A.W.G. Dewar’s tuition refund plan protects schools and parents from the financial consequences of a student’s withdrawal or dismissal from school.

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OneBeacon Accident and Health focuses on analyzing and developing unique accident solutions and programs for the transportation, specialty health, sharing economy and youth sports markets. The group creates and distributes niche accident and health and property-casualty products through brokers to motor carriers, employers, managed care organizations, associations, organizations and other affinity groups.

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OneBeacon Financial Services offers property and casualty coverages for commercial banks, savings banks and savings and loan institutions, security broker-dealers, investment advisors, insurance companies and credit unions.

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OneBeacon Management Liability offers D O, EPL, fiduciary liability and crime insurance for nonprofits and private for-profit companies.

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OneBeacon Environmental specializes in environmental risk solutions designed to address a variety of exposures for a broad range of businesses, including multiline casualty placements for the environmental industry.

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OneBeacon Architects and Engineers offers professional liability coverage solutions targeted for this customer segment.

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OneBeacon Technology Insurance solely focuses on the technology industry, making it a source for technology insurance and risk management needs.

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OneBeacon Entertainment provides specialized commercial insurance products, including professional liability coverages, for the entertainment, sports and leisure industries.

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OneBeacon Surety Group offers a broad range of commercial, custom and miscellaneous bonds targeting middle-market, Fortune 2500 companies.

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OneBeacon Specialty Property provides excess property and inland marine solutions that augment primary policies or self-insured retentions.

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OneBeacon Program Group provides a full range of multi-line package insurance solutions for select specialty programs overseen by dedicated MGAs, MGUs and Program Administrators.

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OneBeacon Healthcare Group provides professional liability coverages and other specialized coverages for hospitals, physicians and complex risks; free-standing medical facilities; senior living organizations; and managed care organizations.

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OneBeacon Government Risks provides solutions for midsized municipalities and counties, special districts and other publicly funded agencies.

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OneBeacon Financial Institutions specializes in professional liability, management liability and fidelity coverages for a broad range of financial institutions.

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Synovial Fluid Analysis #synovial #fluid #analysis, # #2006 #21st #abnormal #abnormally #activities


Synovial Fluid Analysis

Synovial fluid analysis is a group of tests that examine joint (synovial) fluid. The tests help diagnose and treat joint-related problems.

Alternative Names

Joint fluid analysis; Joint fluid aspiration

How the test is performed

A sample of synovial fluid is needed for this test. Synovial fluid is normally a thick, straw-colored liquid found in small amounts in joints, bursae, and tendon sheaths.

After the area is cleaned, the health care provider will insert a sterile needle through the skin and into the joint space. Once in the joint, fluid is drawn through the needle into a sterile syringe.

The fluid sample is sent to the laboratory. The laboratory technician will check the sample’s color and clarity, and then place it under a microscope to check it for red and white blood cells, crystals (in the case of gout), and bacteria. In addition, there may be a chemical analysis, and if infection is a concern, a sample will be cultured to see if any bacteria grow.

How to prepare for the test

Normally, no special preparation is necessary, but contact your health care provider before the test to make sure. Tell your doctor if you are taking blood thinners, as they can affect test results.

How the test will feel

Occasionally, the health care provider will first inject local anesthesia with a small needle, which will sting. The aspiration is done with a larger needle and may also cause some pain. The procedure usually lasts less than one minute.

Why the test is performed

The test can help diagnose the cause of pain or swelling in joints. Removing the fluid can also help relieve joint pain.

This test may be used to diagnose:

  • Gout
  • Infection
  • Other inflammatory joint conditions
  • Joint injury
  • Osteoarthritis

What abnormal results mean

Abnormal joint fluid may look cloudy or abnormally thick.

Blood in the joint fluid may be a sign of injury inside the joint or a body-wide bleeding problem. An excess amount of normal synovial fluid can also be a sign of osteoarthritis.

What the risks are

  • Infection of the joint — unusual but more common with repeated aspirations
  • Bleeding into the joint space

Special considerations

Ice or cold packs may be applied to the joint for 24 to 36 hours after the test to reduce the swelling and joint pain. Depending on the exact problem, you can probably resume your normal activities after the procedure. Talk to your health care provider to determine what activity is most appropriate for you.


Knight JA, Kjeldsberg CR. Cerebrospinal, synovial, and serous body fluids. In: McPherson RA, Pincus MR, eds. Henry’s Clinical Diagnosis and Management by Laboratory Methods. 21st ed. Philadelphia, Pa: Saunders Elsevier; 2006:chap 28.

Review Date: 7/10/2009

The information provided herein should not be used during any medical emergency or for the diagnosis or treatment of any medical condition. A licensed physician should be consulted for diagnosis and treatment of any and all medical conditions. Call 911 for all medical emergencies. Links to other sites are provided for information only — they do not constitute endorsements of those other sites. Copyright 2010 A.D.A.M. Inc. as modified by University of California San Francisco. Any duplication or distribution of the information contained herein is strictly prohibited.

Information developed by A.D.A.M. Inc. regarding tests and test results may not directly correspond with information provided by UCSF Medical Center. Please discuss with your doctor any questions or concerns you may have.

Getting Care

Cheap Car Hire Excess Insurance for car hire abroad #car #hire #excess,


Car Hire Excess Insurance

Benefits of the Car Hire Excess Insurance

If your hired vehicle is damaged or stolen, you are usually liable to pay an ‘Excess’ charge. This charge will apply even if the damage is not your fault.
‘Collision Damage Waiver’ is offered by most Rental companies, enabling you to remove the charge: but this add-on can be costly, and does not always cover the whole charge. Our insurance acts in place of CDW, at a much lower price. You are covered for the charges applied in the event of theft or damage to any part of the vehicle

Any Questions?

  1. Yes.
    Hires within your Home Country in the EEA are covered under the ‘Deluxe’ option, even if hiring in your home town (many policies exclude hires within 150km of your home)
  2. The Lead named Driver, plus any other drivers named on the Rental agreement, if aged 21 to 84yrs. Up to 4 drivers can be named on the policy and cover will only be valid for hires where one of those policyholders is the Lead Driver on the Rental Agreement. In the case of Annual policies, all policyholders must live at the address shown on the policy certificate.
  3. You are covered when driving on any Public Highway, i.e. any road made or unmade that is intended for use by the general public.
    The only exception is when travelling to/from accommodation that is only accessible by unmade road and, in these circumstances, due care and attention must be exercised to minimise risk of any damage to the rental vehicle.
  4. – Rental cars carrying up to 9 people.
    – Can be used to cover a courtesy car provided under a loan agreement whilst your vehicle is being repaired
    – Deluxe Annual covers vehicles used within a Car Club scheme
  5. – Non-rental vehicles
    – Vans, Trucks, non-passenger carrying vehicles
    – Motorcycles, Mopeds, Motorbikes
    – Off-road and recreational vehicles
    – ‘expensive’ or ‘exotic’ vehicles with a retail price exceeding £50,000, or ‘antique’ vehicles which are over 20yrs old and have been out of manufacture for 10yrs or more
    – Motorhomes, trailers or caravans – go to excess insurance for Campervans and Motorhomes