Do I need a commercial auto insurance policy? #auto #paint #color #chart

#commercial auto insurance

Do I need a commercial auto insurance policy?

As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Health Insurance #healthcare #insurance #policy


Health Insurance

What is ‘Health Insurance’

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees. The cost of health insurance premiums is deductible to the payer. and benefits received are tax-free.

BREAKING DOWN ‘Health Insurance’

Managed care insurance plans require policy holders to receive care from a network of designated health care providers for the highest level of coverage. If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network. Many managed care plans require patients to choose a primary care physician who oversees the patient’s care and makes recommendations about treatment. Insurance companies may also deny coverage for services that were obtained without preauthorization. In addition, insurers may refuse payment for name brand drugs if a generic version or comparable medication is available at a lower cost.

Insurance plans with higher out-of-pocket costs generally have smaller monthly premiums than plans with low deductibles. When shopping for plans, individuals must weigh the benefits of lower monthly costs against the potential risk of large out-of-pocket expenses in the case of a major illness or accident. Health insurance has many cousins, such as disability insurance. critical (catastrophic) illness insurance and long-term care (LTC) insurance.

Affordable Care Act

In 2010, President Barack Obama signed the Patient Protection and Affordable Care Act into law. It prohibits insurance companies from denying coverage to patients with pre-existing conditions. and allows children to remain on their parents’ insurance plan until they reach the age of 26. In participating states, the act also expanded Medicaid. a government program that provides medical care for individuals with very low incomes. In addition to these changes, the ACA established the federal Healthcare Marketplace. The marketplace helps individuals and businesses shop for quality insurance plans at affordable rates. Low-income individuals who sign up for insurance through the marketplace may qualify for subsidies to help bring down costs.

Americans are required to carry medical insurance that meets federally designated minimum standards or face a tax penalty. In certain cases, taxpayers may qualify for an exemption from the penalty if they were unable to obtain insurance due to financial hardship or other situations. Two public health insurance plans, Medicare and the Children’s Health Insurance Program, target older individuals and children, respectively. Medicare also serves people with certain disabilities. The program is available to anyone age 65 or older. The CHIP plan has income limits and covers babies and children up to the age of 18.

Professional Liability Insurance Policy from Nationwide #general #liability #insurance #policy, #commercial #liability #insurance #policy, #business #liability #insurance #policy, #general #liability #insurance #policies, #professional #business #liability #insurance


Build a Safety Net With a Professional Liability Insurance Policy

A general liability insurance policy will only cover claims stemming from bodily injury, property damage, personal injury or an advertising injury. But what if a client sues for damages that result from you or your company’s negligence, misrepresentation, violations of good faith or error or failure to render an opinion or offer a service?

Professional liability insurance may be customized to meet your specific needs. For example, in a typical business day a pharmacist faces different risks than an architect might face. But both should have professional liability insurance – customized to their unique risks.

Professional liability insurance policies can cover judgments, attorney fees, court costs and settlements. Even if claims are found to be unwarranted, extended litigation can drain a company’s cash reserves or even cause bankruptcy.

Who needs a professional business liability insurance policy?

  • Veterinarians
  • Funeral directors
  • Church counselors

The basics

Professionals are expected to have a certain level of competence in their disciplines. It’s also expected that they will accurately perform their services, according to the common standards of conduct for their profession. If a professional makes a mistake on the job, they can be held responsible for any harm they cause to a person or business.

Professional liability insurance policies are generally issued on a claims-made basis, meaning that the coverage extends only to events that occurred during the period in which the coverage was active. It’s important to not let coverage lapse in order to ensure continuous protection against damaging events even if they occurred in the past.

Create a plan to avoid costly professional errors

If your profession makes you an expert in a certain area, like medicine, law or real estate, you could be exposed to one or more professional liability risks. No matter how careful you try to be, we’re all prone to make mistakes – in our personal lives and at work. Professional liability insurance might protect you against claims of negligence, malpractice or misrepresentation. Have a plan in place to reduce the possibility of making these mistakes on the job:

  • Keep detailed project and client files
  • Encourage honesty and openness from all of your employees
  • Agree on expectations with your customers before work begins
  • Make ethics a priority
  • Stay within your area of expertise

What type of professional business liability insurance should you buy?

Unfortunately there’s no “one size fits all” professional liability insurance policy and no standard wording. Policies must be carefully written to cover any risks and exposures particular to your type of business.

Some policies include defense expenses for fighting a lawsuit within the limits of liability while others might exclude any punitive damages awarded to the client. The wording of professional liability insurance policies varies from company to company, and each policy must be read carefully to make sure the coverage fits the exposure.

Premiums for professional liability insurance are based on a company’s revenues, type of professional service provided, number of employees providing the service and the company’s loss history.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

Liability Insurance – What’s Covered?

How to Get a Business Liability Quote

Avoid These Common Business Claims

Why Choose Nationwide for Liability Insurance?

Whole Life Insurance with No Medical Exam #getting #a #whole #life #policy #without #a #medical #exam,life #insurance #rate,life #insurance #rates,rates #on #life #insurance


Getting a Whole Life Policy Without a Medical Exam

Nobody wants to spend too much time thinking about the end of their life. However, leaving loved ones in a financial bind is not a good thought either. While it would be ideal if you could save money throughout your life for these expenses, most people need what they make to live on. It’s not at all uncommon for a couple to hit retirement and have no real plan in place for end-of-life expenses. Luckily, there is still the option of no medical exam whole life insurance. Getting life insurance without a medical exam is ideal for many situations, but you need to shop carefully and understand what these policies offer and, perhaps most importantly, what skipping a medical exam could cost you.

The Benefits of Skipping a Medical Exam

There are several benefits to obtaining a no medical exam whole life insurance policy. One of the main reasons that so many people favor no exam whole life policies is because there is no exclusions when it comes to existing health conditions. Many life insurance carriers will refuse to issue a policy for people who have been diagnosed with cancer, have a history of heart problems or even have been smokers throughout their life. With a whole life insurance no exam policy, you can get coverage no matter what your circumstances or your current medical conditions. If you pass away during the period where the policy is active, your dependents will get a lump-sum payment that can be applied to funeral expenses or helping them maintain their current lifestyle while they make other arrangements. In addition, all whole life policies have a cash value and do not expire, unlike term life plans. In short, if you currently have medical conditions that would normally prevent you from getting a policy, this particular type of screening is ideal for the whole life insurance product.

What a No Exam Policy Will Cost You

Forgoing a medical exam is not without a price. It’s important to realize that most no medical exam whole life insurance policies probably have limitations and exceptions to coverage. It’s very common for this type of coverage to have an exclusion period, often as long as two years, sometimes longer depending on the provider. This means that if any of the policy holders die from natural causes or disease during this time their beneficiaries may be left with a reduced settlement or no payout at all; being involved in an accident may or may not apply to this limitation. In addition, buying a whole life insurance no exam policy can be very expensive – often significantly more than a comparable plan where the insured undergoes an examination. Since costs can be as much as double that of a policy issued without an exam, you should try to exhaust that option first. If you’re absolutely sure that an examination would preclude you from a policy (or you just don’t want to subject yourself to a medical exam) we can help. We work with the nation’s top providers of no medical exam whole life insurance, so use the form at the top of this page to view current rates and select the provider that best-fits your current situation.

925 Peachtree Street NE Ste 615
Atlanta, GA 30309
Call Center (877) 407-6153

All other trademarks and copyrights are the property of their respective holders. is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.

How To Install Group Policy Management In Windows 7 #server # #group #policy #management #console


How To Install Group Policy Management In Windows 7

The Group Policy Management is a great tool from Microsoft, which lets you manage your own domain based network. If you are a network administrator or you are managing a small network at home then you are probably familiar with the Active Directory and Group Policy Management (GPM) as they both work together and help in managing your network infrastructure.

Don t confuse the Local Group Policy (gpedit) with Group Policy Management, Gpedit is used to work with the registry settings of your local system while Group Policy Management is a server administration tool and is used in the context to Domain based network. The Group Policy Management falls into the Remote Server Administration category, and Remote Server Administration tools are not installed in Windows 7 by default.

First of all download and install the Windows Remote Server Administration Tools from here. once the download and installation of this toolkit is completed, go through the following guidelines to enable it.

Open the Windows Features window by clicking Start. then type Turn Windows features on or off and then hit Enter. Once the Widows Features window is loaded, navigate to the Remote Server Administration Tools and here enable the Group Policy Management Tools .



How To Enable Paths Longer Than 260 Characters In Windows 10


How To Group Tiles On The Start Menu In Windows 10

It will take some time to apply these changes.

Now click Start, type gpmc.msc and hit Enter, the Group Policy Management Editor will be loaded and you are ready to go with your Domain based network.

Utica First Insurance Company #insurance, #utica, #small #business #insurance, #homeowners #insurance, #business #owners #insurance, #new #york #state #insurance, #connecticut #insurance, #massachusetts #insurance, #new #jersey #insurance, #pennsylvania #insurance, #ohio #insurance, #virginia #insurance, #umbrella #policy, #artisan #policy, #commercial #umbrella, #inland #marine, #boatowners #insurance, #restaurant #insurance, #landlord #insurance, #personal #umbrella



Utica First Insurance Company, located near Utica, NY, is a regional property and casualty insurance carrier specializing in small contractors, restaurants, retail stores, offices, and homeowners insurance.

Utica First Insurance Company was founded in 1903 as Utica Fire Insurance Company of Oneida County, NY to serve the property insurance needs of upstate New York residents. We have developed from that small base into a company which actively writes business in the states of New York, Connecticut, Massachusetts, New Jersey, Maryland, Ohio, Pennsylvania, and Virginia.

Utica First products are offered exclusively through Professional Independent Agents and Brokers. Our product lines include Businessowner policies, small Artisan Package policies, and Homeowners policies, among others.

For over 100 years, Utica First Insurance Company has been providing superior insurance protection to Homeowners and Businesses in the Northeastern U.S. We are a strong and stable Regional Insurance Company, rated as A (Excellent) by A.M. Best, with a proud tradition of customer service excellence.

Online Artisan Survey – Click here to access the online survey

Artisan policyholders can complete their required survey through our Online Artisan Survey. Artisan policyholders may also continue to call our Artisan Survey Unit at 1-800-456-4556 Option 1 to complete their survey.

Online Bill Pay – Click here to make a one time payment!

We accept payment by check, credit card, and debit card over the Internet. See our Billing Inquiry page for more information.

Auto Insurance Quotes – Find The Policy Right For You #auto #one

#auto insurance quotes

Auto Insurance Savings Tips

How much money do you think you will spend over the course of your lifetime on car insurance? Using the average amount of $1,587 that each American spends on auto insurance annually, we can calculate as follows:

  • If we say on average that we begin paying for car insurance at age 20 and stop at age 80, it comes out to about $95,820 (60 times $1,587).

What if even as little as 10% of that could be saved? That would mean an extra $9,582 in your pocket!

Car insurance is mandatory. Fortunately, you can make car insurance savings a must, also

Following are some areas to consider when you are seeking ways to achieve insurance expense savings while retaining the best protection for your family and vehicles.


You might be surprised to learn how many discounts are available on car insurance. Checking with your agent to make sure to take advantage of all that you are qualified for can save big dollars on your policy.

Multi-Policy: If you have an auto, home, boat, or umbrella policy with the same insurance company, you could receive a multi-policy discount. It can add up to 20% off your total policy premium.

Multi-Car: Depending on how many and the types of vehicles, you might be able to take advantage of a multi-car discount.

Safe Driver: If you are a safe driver (meaning no tickets or accidents for the past three years or more), you might be eligible for a safe driver’s discount of up to 5% of your premium.

Anti-Theft Devices: Using a car alarm system may save you a percentage on the comprehensive premium of your policy.

Good Student: Good grades for your high school or college student may save you 15% or more on your car insurance. You will need it to offset the higher rates for younger drivers, especially males under the age of 25.

Senior Citizen: Some companies offer a discount if you are over 65 and have established a good driving record.

Insurance Friendly Occupations: Insurance companies tend to watch statistics very closely. If they see that workers in certain occupations tend to incur fewer losses, they may be inclined to offer a special rate for those professions. For example, if a member of your household who is on the policy is also a teacher, engineer or scientist, you may qualify for a discount.

These are not all of the discounts that are available. So, ask your agent to apply the savings that you are qualified for on your policy right away!


Deductibles are applied to collision and comprehensive coverages. Before the insurance will begin paying out the claim, you will have to pay the deductible. So, if you have a $250 deductible and the repair bill is $1,000, you will pay $250 and the insurance company will pay $750. A deductible can be anywhere from zero to over $2,000. It’s your choice.

The more of the risk you are willing to take on with an increased deductible, the less annual premium you will pay. The difference could be substantial. For example, going from a $500 to a $1,000 deductible could save you up to 30% on the collision (which usually comprises the highest premium component) and comprehensive portions of your policy.


When it comes to coverages, there are two that are mandatory—bodily injury and property damage liability. In addition, if you have a brand new car with a loan on it, your finance company may require collision insurance. Other than that, everything else is optional.

For example, towing may cost you $10 per month. Do you really need it? Especially on a new car? Even for an older car, if you are in a wreck, the property damage coverage from the other driver will pay for your vehicle to be towed to a repair shop.

Also, how often do you feel you will have to rent a car because of a collision? If you are hit, the other insurance company will pay for a rental. Plus, many credit cards offer car rental discounts. Consider skipping the car rental coverage.

If your car is an older model and paid off, you might want to consider doing without collision and comprehensive. Look at how much the car might be worth and see if it is even fiscally sound to add those coverages on the policy.


Certain vehicles cost less to insure. This is because statistically, they have less frequency of submitted claims and a smaller dollar amount of claims paid out.

For example, following are ten cars that are among the cheapest to insure:

  • Buick Lucerne
  • Buick LaCross
  • Toyota Camry
  • Volvo V70
  • Toyota Avalon
  • Mercury Grand Marquis
  • Volvo S80
  • Mini Cooper
  • Volkswagen New Beetle
  • Chevrolet Impala

These cars will cost less to insure than most other models. So, consider the cost of car insurance that you will bear on the car you might buy.

Other Car Insurance Tips

  • Limits: Although the dollar difference might not be great, think about the limits that you want to have on your policy. Instead of 100/300/100 limits for liability and collision, 50/100/50 limits might be less expensive. However, make sure you have enough limits to cover all of your assets.
  • Shopping: If you are going to shop around for anything, shop for auto insurance. The competition for the insurance dollar is so fierce, you will find it time well spent to compare different quotes from different insurance carriers. For the same coverages and deductibles, you might find six-month quotes that vary 10% to 20% among companies.
  • Credit Score: Many car insurance companies in states that allow it, are reviewing credit scores. They have found that individuals who are credit worthy tend to be better drivers. As a result, they may adjust the auto insurance rates accordingly.
  • Professional Organizations: Being a member in an organization such as or AARP or a credit union may also qualify you for discounts on your auto policy.
  • Employers: Sometimes employers will cut a deal with an insurance company to offer special group rates to their employees. Check with your Human Resources department to see if such a deal is available at your workplace.

Scrutinizing and applying all of these auto insurance savings tips can add up to substantial extra dollars for the family coffers!

Penn State Online #health #policy #and #administration #master #s #degree, #penn #state #online #master #of #health #administration, #penn #state #world #campus


Master of Health Administration in Health Policy and Administration

Enhance your Leadership Capacity; Make a Difference in the Lives of Others

The health care system of the future must focus on greater efficiency and quality through improved technology, organization, and management. There is growing demand for new leaders who can find solutions to the problems we face, both now and in the future.

A Master of Health Administration in Health Policy and Administration (MHA) can help you combine your health-related work experience with a strong business management education, expanding your qualifications for challenging leadership positions in health care and giving you the tools to lead change in a dynamic environment.

Why Penn State World Campus

An online MHA from Penn State can provide opportunities for advancement in your career as a health care professional. The degree program is a collaboration between Penn State World Campus and the Penn State Department of Health Policy and Administration and the School of Public Affairs. This partnership connects you with faculty from a highly ranked program, with 25 years of experience guiding student learning. Experienced faculty, the residential MHA program’s 4,000+ alumni, and professional contacts help maintain the focus on emerging and complex health care leadership challenges.

Our online program is built on the experience and excellence of our nationally ranked residential MHA program, established more than twenty-five years ago and recently awarded a seven year re-accreditation (the highest achievable) by the Commission on Accreditation of Healthcare Management Education (CAHME).

The online learning format offered by Penn State World Campus makes it possible for you to fit a degree program into your life. The flexibility of studying when and where you want can give you the opportunity to gain the skills and knowledge you need to make critical decisions that can affect the lives of patients and employees while maintaining your current role.

Master of Health Administration Video

Learn more about the Master of Health Administration degree from World Campus students in the program.

Who Should Apply?

The rapid evolution of the health care environment through changes in population demographics, legislation, regulation, policy, and technology means that updating your education is no longer a luxury; it’s a necessity. If you have work experience in health care and want to enhance your applied business management skills, Penn State’s online MHA program was designed for you. As an applicant to the program, you should have strong academic preparation, at least five years full-time professional work experience (preferably in health care), and references from professional peers or supervisors who can attest to your commitment to the profession.

Career Opportunities for Graduates

Steady job growth in health care is projected for the next several years. As a graduate of the program, you could obtain an administrative, management, or executive position in one of several health care-related organizations, including:

  • hospitals and health systems
  • medical group practices
  • clinics and outpatient care centers
  • home health care agencies
  • skilled nursing facilities
  • insurance companies
  • consulting firms
  • federal regulatory and public health agencies

Related Programs

The summer management intensive offered me not only valuable time to network with my incredibly accomplished and knowledgeable classmates, but also a chance to learn leadership and change management strategies that were immediately applicable to my day-to-day job focus. I enjoyed hearing the perspectives of classmates from other areas of the industry and being able to look at issues and challenges from so many angles.

Arizona Business Insurance Quotes #arizona #business #insurance #quotes, #arizona #business #insurance #rates, #business #insurance #quotes, #business #insurance, #arizona #professional #liability #insurance, #arizona #workers # #compensation #insurance, #arizona #business #owners #policy


Oops! This version of your browser is not compatible with our application. Please contact us and we will personally help you: 800-688-1984 8am-5:30pm CST Mon-Fri. Or email us.

Oops! This version of your browser is not compatible with our application. Please contact us and we will personally help you: 800-688-1984 8am-5:30pm CST Mon-Fri. Or email us.


Savings Tips

  • Increased power consumption in the summer can lead to rolling blackouts and loss of workplace functionality. Ask your agent if a business interruption insurance policy is right for you.
  • The distance between job sites can be high in AZ, due to a low density population. This added driving between jobs might put your employees at higher risk for accidents. Call is to review your business insurance policy to ensure adequate coverage.
  • Arizona is home to a lot of data centers and tech-related industry. Is your professional liability insurance adequate to ensure you remain eligible for as many subcontractor jobs as possible? Update your policy today!

Arizona Business Insurance

Complete a single online application and compare rates.

Get your free. no-obligation quote now!

Arizona has some unique considerations when it comes to quoting business insurance. The economy of the state is driven largely by tourism during the winter and spring months of the year. As a result, the Arizona business insurance needs of these tourism driven companies varies from month to month. Getting a “one size fits all” business insurance policy is not always the best idea – speaking with a Business Insurance Now agent about customizing your business insurance to fit your needs, however, is a wise investment.

Unique Considerations for Purchasing Insurance for your Arizona Business

When getting quoted on an Arizona business insurance policy, your agent should keep in mind the unique risks associated with doing business in the state. While there might not be too many natural disasters in the state, intense heat during the summertime can lead to an increase in workers compensation claims or strain on electricity supply causing rolling blackouts and data loss. Even if you think that your business might not need coverage in certain areas, discussing your needs with an agent can help you adequately determine your Arizona business insurance risks.

Give us 15 minutes or less. and we’ll have you covered! Start by getting our free, no-obligation online quote. and you’re on your way to saving time and money!

Let us help you find and bind any of the following coverages:

Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or “BOP,” this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client’s location.

Professional Liability Insurance. Professional Liability or “Errors & Omissions” Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice — or other errors or omissions in your work. This coverage is critical for professional services companies.

Workers Compensation Insurance. Required in many states, Workers’ Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today’s litigious workplace.

Additional States

Business Insurance Now is America’s #1 online insurance agent for small business, including the self-employed and companies with 10 or fewer employees. Business Insurance Now allows businesses to apply for insurance and receive multiple quotes from leading insurance carriers including CNA, Zurich, The Hartford, Philadelphia, Travelers, ACE, USLI, and Hiscox. We offer business owners a variety of insurance protection, including: General liability insurance, professional liability, errors & ommissions, excess liability, umbrella insurance, workers compensation, fidelity bonding, and more. (CA License #0G11129)

© 2015 Business Insurance Now. ALL RIGHTS RESERVED.

Access Management – AWS Identity and Access Management #iam,aws #identity #and #access #management,aws #iam,iam #user,user,iam #group,group,iam #role,role,permission #policy,trust #policy,policy,access #key,password


Access Management

When you use your account’s root credentials, you can access all the resources in your AWS account. In contrast, when you create IAM users, IAM groups, or IAM roles, you must explicitly give permissions to these entities so that users can access your AWS resources.

This section describes permissions. which are rights that you grant to a user, group, or role that define what tasks users are allowed to perform in your AWS account. To define permissions, you use policies. which are documents in JSON format.

To learn more, we recommend you read the following sections:

Overview of AWS IAM Permissions — This section discusses types of permissions, how to grant them, and how to manage permissions.

Overview of IAM Policies — This section discusses how to specify what actions are allowed, which resources to allow the actions on, and what the effect will be when the user requests access to the resources.

Working with Policies — This section describes how to create and manage policies by using the AWS Management Console, the AWS CLI, and the IAM API.

Using Policy Validator — This section describes how to use the Policy Validator when you have policies that do not comply with the AWS policy grammar.

AWS IAM Policy Reference — This section describes the elements, variables, and evaluation logic used in policies.

Example Policies for Administering IAM Resources — This section lists policies that let users perform tasks specific to IAM, like administer users, groups, and credentials.

Example Policies for Administering AWS Resources — This section lists policies that let users perform tasks with other AWS services, like Amazon S3, Amazon EC2, and DynamoDB.